Todd Andre is a financial advisor with LPL Financial in Greeley, Colorado, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2017, he worked at Investment Centers of America, Inc. for one year and has been associated with State Farm since 2002. He is involved in non-variable insurance services including Medicare Supplements, disability, and long-term care coverage. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and advanced technology to support a variety of investment strategies.

Spenser Carothers is a financial advisor with Merrill in Fort Collins, CO, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked in various roles including at Gates Corporation and Colorado State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and charitable organizations.

Colton Turner is a CFP® professional with seven years of industry experience, currently affiliated with Raymond James Financial and serving as a financial advisor at Bank of Colorado. His prior experience includes roles at Mercer Global Advisors, Chapel & Collins, Blue Federal Credit Union, and AXA Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, utilizing tailored, non-discretionary strategies supported by analytical modeling and technology.

Memory Fender is a Series 66-licensed financial advisor with Edward Jones, based in Eaton, Colorado, and has two years of industry experience. Their prior work includes roles at Edward Jones since 2022, with a brief tenure at Morgan Stanley in 2024, and earlier experience at Chelle Law. Outside of advising, Fender manages a rental property by leasing out their basement in Windsor, Colorado. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

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.

Cecilia Shepherd is a financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation, bringing seven years of industry experience. Her prior experience includes roles at Navigation Wealth Management, Inc. and Navigation Financial Services, Inc., each for seven years, as well as self-employment and work at Power Core 360. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and both proprietary and unaffiliated investment strategies.

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.

Weston Hager is a financial advisor at Raymond James Financial with 10 years of industry experience. He has worked at Bank of Colorado and Signator Investors, Inc., holding his current roles since 2018. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and has offerings unique among large institutional advisors, such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

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.