Ari Litvin is a financial advisor with Principal Financial Services in Denver, CO, holding the ChFC® designation and Securities Series 63 and 65 licenses. He has 26 years of industry experience with prior roles at Wells Fargo Clearing, RBC Capital Markets, and Raymond James & Associates. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and businesses. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through both advisory and promoter arrangements.

Mark Wilson is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, providing advice without discretionary trading authority.

Tristan Paolo Segovia is a financial advisor at Empower Advisory Group with one year of industry experience. He holds the Series 66 designation and previously worked at TELUS International Philippines for seven years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm’s services focus on long-term portfolio returns and annual rebalancing within an integrated platform tied to Empower’s recordkeeping and administrative systems.

Nicolas Korosec is a financial advisor at Empower Advisory Group with three years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and JPMorgan Chase. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and select retail brokerage clients. The firm uses an integrated model connected to Empower’s administrative platforms, focusing on long-term portfolio returns and client savings rates rather than short-term forecasts.

Kyle Ferrare is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Lone Tree, Colorado. He previously spent 15 years with Simon Quick Advisors, LLC before joining Schwab Wealth Advisory and Charles Schwab & Co., Inc. in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm’s advice is delivered through Charles Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

John Hoffman is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding a Series 66 credential and 10 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations through Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Christian Stromgren is a CFP® and holds a Series 65 license with six years of industry experience. He is currently with Empower Advisory Group and has previously worked at Personal Capital Advisors Corporation, American Century Investments, and Integrity Advisory, LLC. Before his financial advisory career, he held roles at Uber, Lyft, and Community 1st National Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies to produce point-in-time financial plans focused on long-term returns and client savings rates.

Jeremy Weldon is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2000 and with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client education and annual account reviews without discretionary trading authority.

Braydan Hiebert is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 66 and Series 63 licenses with one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., and has held positions in retail and service industries. He serves as an assistant coach for the Metropolitan State University of Denver Lacrosse Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools and standard asset allocation models.

Michael Snyder is a Certified Financial Planner® with 17 years of industry experience. He is currently with Empower Advisory Group and has prior experience at GWFS Equities, JPMorgan Chase Bank, and Think Mutual Bank. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, as well as individual IRA and brokerage account holders, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

Melanie Francis is a financial advisor with Principal Financial Services based in Denver, CO, holding Series 63 and Series 66 credentials and 30 years of industry experience. She has been with Princor Financial Services since 2004 and Principal Life Insurance Company since 2003. Outside of her advisory role, Melanie serves as a bank trust officer, providing accounting services and supporting the management of Principal retirement account relationships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Dawne Waltz is a financial advisor at Empower Advisory Group with 11 years of industry experience. She holds a Series 66 designation and has previously worked at T. Rowe Price. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Mason Hebert is a CFP® professional with 14 years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2022, following prior roles at Charles Schwab and USAA Investment Management Company. His background includes extensive experience in financial planning and investment advisory services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s proprietary research tools and standard asset allocation models. The firm operates as an internal advisory unit within Charles Schwab and does not exercise discretionary trading authority on behalf of clients.

Leslie Sandusky III is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a partner in Xel Exchange, a cryptocurrency mining business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Joshua Kendall is a CFP® and ChFC® with 12 years of experience in the financial industry. He is currently with Kayne Anderson Rudnick Investment Management, LLC, where he has worked since 2025. His prior roles include positions at Mariner Wealth Advisors, Bank of the West, BancWest Investment Services, TIAA-CREF, and Griffin Capital Securities. Kayne Anderson Rudnick provides discretionary investment management and sub-advisory services to a diverse range of clients, including institutional investors, high-net-worth individuals, and family offices. The firm’s investment approach focuses on fundamental, company-level research and integrates proprietary governance and sustainability assessments across active equity and fixed-income strategies.

Thomas Bevington is a financial advisor at Creative Planning with 10 years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. Prior to Creative Planning, he worked at Matter Family Office, Charles Schwab Bank, Charles Schwab, and FIDELITY Brokerage Services LLC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, tax-loss harvesting, and selective private market exposure.

Mark Whaley is a financial advisor at GWN Securities Inc. with two years of industry experience. He holds Series 65 and Series 63 designations. In addition to his advisory role, Whaley is co-founder and managing director of Everest Microbial Defense, LLC, where he oversees antimicrobial product development and business operations. He also serves as a trustee board member for Bergen Park Church and provides business consulting in carpet and flooring maintenance. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes tactical strategies, including market-timing and momentum approaches, supported by technology platforms and model-based portfolio construction.

Joshua Vanderschuere is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at GWFS Equities, Denver Public Schools, and the University of Denver. Outside of his advisory work, he owns and manages a single home rental property. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, offering services integrated with Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and serves a large participant base relative to its advisor headcount.

Robert Jones is a financial advisor at Cerity Partners LLC with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Ayco/Goldman Sachs & Co. LLC and United Capital Financial Advisers, LLC. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors. The firm provides a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified asset allocation and private market programs for qualified clients.

John Gooch is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has worked at Charles Schwab since 2013. Outside of his advisory role, he coaches Brazilian Jiu Jitsu fundamentals classes for adults. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many enterprise wealth managers.