Kelly Beck is a Series 66-licensed financial advisor with 26 years of industry experience, currently practicing at UBS Financial Services in Greeley, Colorado since 2013. UBS Financial Services Inc. provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management solutions. The firm offers fee-based financial planning, portfolio management, and capital markets services supported by proprietary research and analytics.

Charles Cooper is a CFP® with 43 years of industry experience. He is currently affiliated with Osaic and was previously associated with Securities America Advisors, Inc. for a decade. Cooper is also president of The Master's Agency, a business he has been involved with since 1983, which includes selling life insurance and annuities. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of financial advisers, offering brokerage and investment advisory services as well as access to third-party managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios and supports both discretionary and non-discretionary account management.

Christopher France is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Edward Jones since 2005. He holds Series 63 and Series 66 licenses and is based in Loveland, CO. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Havice is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has progressed through various roles within Fidelity, starting as an Investment Solutions Representative I in 2021 and advancing to his current role. Prior to joining Fidelity, he worked as a Banker at JP Morgan Chase from 2018 to 2019. David helps individuals and their families throughout their financial journeys by collaborating to build, implement, and monitor tailored financial plans. He holds insurance licenses in Arkansas and California. Outside of his professional work, David has personal interests that include cars, concerts, gardening, motorcycles, and pets.

Andrew Macdonald is a financial advisor with LPL Financial in Loveland, Colorado, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been associated with Linsco Private Ledger since 2001. Outside of his advisory role, Macdonald is involved in several business ventures including construction, helicopter piloting, and a farming enterprise that sells produce. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, incorporating both discretionary and non-discretionary management, supported by proprietary and third-party research.

Jeremy Audas is a Financial Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having held roles such as Private Client Advisor at JP Morgan from 2019 to 2023, Financial Solutions Consultant at Merrill Lynch from 2018 to 2019, and Investment Solutions Representative at Fidelity Investments from 2016 to 2018. Throughout his career, Jeremy has focused on developing customized financial plans tailored to the needs of individuals and families. He emphasizes building strong relationships to ensure trust and reliability with his clients. Jeremy holds insurance licenses in Arkansas and California.

Jacob Shepard is a CFP® with 17 years of experience in the financial industry, currently serving as an advisor at J.P. Morgan Securities LLC in Loveland, Colorado. He has been with J.P. Morgan since 2016 and is also a co-owner of a sports card business called CCJJ LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset‑allocation approach combined with centralized due diligence and an ESG eligibility framework.

Kristina Peach is a financial advisor with Thrivent Investment Management in Loveland, Colorado. She holds a Series 66 designation and has 12 years of industry experience, having worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm provides holistic, goal-based analyses covering various financial topics and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping the services separate.

Craig Leonard Jr. is a financial advisor at Edward Jones in Ft Collins, CO, holding a Series 66 designation with eight years of industry experience. He has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Fazio is a Series 66 licensed financial advisor with Edward Jones in Ft Collins, CO, with 14 years of industry experience. He has been with Edward Jones since 2011. Outside of his advisory role, he provides consulting on audio system upgrades for a university church through Eternal Light & Sound LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Bradley Eads is a financial advisor with LPL Financial in Ft Collins, CO, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has been with LPL Financial since 2012 and is also the owner and tax preparer at EADS & Associates, Inc., a CPA and bookkeeping firm he has operated since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

Arthur Spiller is a financial advisor at Ameriprise with 33 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he manages an independent advisory business through DGW Worldwide LLC. Ameriprise is an institutional firm offering a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.

Robert Farmer is a financial advisor with Wells Fargo Advisors in Fort Collins, CO, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at LPL Financial and Presidential Brokerage, Inc. Farmer has taught finance as a professor at Southern New Hampshire University and authored the book *Managing Your Own Retirement*. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services that include specialized areas such as business-owner transition planning and special-needs analysis. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations delivered through meetings and written summaries.

Cory Fellhauer is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop comprehensive financial plans tailored to their unique needs and goals. His approach focuses on creating personalized experiences to help clients build confidence as they plan for the future. Cory has been with Fidelity Investments since 2021, progressing through several roles including Financial Representative, Relationship Manager, and Planning Consultant before becoming a Financial Consultant in 2024. This progression reflects his growing experience and expertise within the organization.

Mark Debord is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Mass Mutual Investors Services since 2013 and with MassMutual Life Insurance Company since 2012. In addition to his advisory role, he serves as an instructor for The College Funding Coach, providing college consulting services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, ongoing financial planning engagements using firm-approved tools and emphasizes educational seminars and specialized planning programs.

Kelli Olsheski is a Wealth Management Advisor and a CERTIFIED FINANCIAL PLANNER® professional associated with Merrill. She specializes in helping executives, business owners, engineers, women, and their families navigate the complexities of their financial lives through clear, personalized strategies aligned with their goals and priorities. With extensive experience in college education planning, executive compensation, family wealth management, legacy planning, managing new wealth, personal retirement planning, and investment strategy, Kelli addresses the intricate financial needs of her clients. She holds multiple professional designations including Accredited Asset Management Specialist (AAMS), CHARTERED FINANCIAL CONSULTANT (ChFC), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her approach emphasizes tailored financial solutions to secure a comprehensive and fulfilling future for her clients. Kelli earned her Bachelor's degree from Virginia Polytechnic Institute & State University. She is fluent in both French and English. Outside of her professional work, she enjoys adventure sports including biking, hiking, ice hockey, running, skiing, yoga, and spending time with her family.

Darin Luze is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 30 years of industry experience. His prior roles include positions at LPL Financial and Securities America Advisors. Luze is involved in a wealth management group and holds ownership interests related to that business in Fort Collins, Colorado. Cambridge Investment Research Advisors serves a diverse client base with services including financial planning, investment management, and retirement plan advisory, utilizing a variety of portfolio management approaches delivered through a network of independent Financial Professionals.