Michael Abbott is a financial advisor at Schwab Wealth Advisory, Inc. with 32 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Charles Schwab & Co., Inc. and Schwab Private Client Investment Advisory, among other firms. 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 that utilize Schwab’s proprietary research and asset allocation models.

Wayne Bellinger III is a financial advisor at OSAIC Institutions, Inc. with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bellco Credit Union and Cuso Financial Services, LP. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer structure with both discretionary and non-discretionary accounts.

Jason Price is a CFP® professional with 25 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. His prior experience includes roles at Wells Fargo Advisors and Schwab Private Client Investment Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice using Schwab’s asset allocation models and research tools without discretionary trading authority.

Mark Gaylord is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with Transamerica Financial Advisors. He has served on the board of 1311 York Street, an Alcoholics Anonymous organization, since 2022. Gaylord also operates The Gaylord Group, a tax planning S-corporation formed for personal tax purposes. Transamerica Financial Advisors offers investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm employs a model portfolio approach implemented through third-party managers and platform sub-advisors, supported by a large advisor network and multiple program platforms.

David Jay is a financial advisor with Commonwealth Financial Network based in Littleton, Colorado. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to joining Commonwealth in 2019, he worked at Sagepoint Advisors, Inc. for 10 years. He is also co-owner and executive vice president of Jay Financial Group, Inc. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering advisory programs, wealth management, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to advisors who deliver client advice under Commonwealth’s supervision.

Bryan Kriet is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 1993. Outside of his advisory role, he coaches athletes in freestyle (mogul) skiing competitions at the Winter Park Competition Center. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual reviews and offers personalized investment recommendations while clients retain final trading decisions.

Jonathan Lore is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with Farther and has previously worked at Personal Capital Advisors Corporation and Empower Advisory Group. Outside of his advisory work, he is the managing member of Apex Pattern Group, LLC, a consulting firm focused on management, strategic planning, and technology-driven educational initiatives. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform, offering discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds. The firm’s investment approach uses Modern Portfolio Theory implemented via bespoke allocations and proprietary algorithmic model portfolios, emphasizing periodic rebalancing and diversified asset allocation.

Michael Roush is a financial advisor at Wealth Enhancement Advisory Services, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors LLC, Cetera, Foresters Financial Services, and Prudential. Outside of his advisory work, he operated Michael Roush Photography from 2016 to 2024 and was involved with Rous Squared LLC DBA Rev'Pod from 2017 to 2020. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment process that combines passive and active managers with quantitative and fundamental research.

Bradley Steffen is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Transamerica Capital Inc. and GWFS Equities, Inc. 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 retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within an integrated platform tied to Empower’s recordkeeping and administrative services.

Ashli Collins is a financial advisor at CWM, LLC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Carson Wealth, DMK Advisor Group, Aveo Capital Partners, Charles Schwab Bank, Charles Schwab & Co., Inc., and Nexenta Systems Inc. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of partner offices and more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Caleb Bitner is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked in various roles including client service and insurance sales focusing on annuities, life insurance, and Medicare plans. Prior to his current position, Caleb has experience in hospitality and retail sectors. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Michael Jungman is a CFP® with 17 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. since 2016. He is also the owner and founder of Blazing Bulls, an internet services business. His career includes extensive involvement with Charles Schwab & Co., Inc. dating back to 2008. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial planning and investment recommendations using standardized asset allocation models and Schwab research tools. The firm operates within the Charles Schwab ecosystem and focuses on individualized advice without discretionary trading authority.

Thomas Whisenant is a CFP® with 10 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2021. Prior to this, he spent five years at TIAA. Outside of his advisory role, he is involved in managing a short-term rental for his primary residence. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools, with clients making final trading decisions.

Steven Caldara is a financial advisor with TLG Advisors, Inc. based in Castle Rock, Colorado. He holds the ChFC® designation and Series 63 license, with 34 years of industry experience. Caldara has been associated with The Leaders Group, Inc. since 1998 and is president and owner of The Caldara Company, a financial services and insurance business he founded in 1996. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory services, comprehensive financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios.

Timothy Cunningham is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory and has been associated with Charles Schwab and its related entities since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering services including financial reviews, retirement and planning discussions, 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 approach from many other enterprise wealth managers.

Huntor Rainwater is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones, GWFS Equities, and Advised Assets Group. Prior to his advisory career, he was employed at the University of Northern Colorado and Heritage Todd Creek Golf Club. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm’s services combine proprietary and third-party planning methodologies with integration into Empower’s recordkeeping and administrative platforms.

Joseph Almon is a CFA® charterholder with 17 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2023 after a long tenure at Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering investment recommendations and financial planning through a standardized model within the Schwab ecosystem.

Sara Dickson is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and also has roles with Strategy Design LLC and Netlaw Group, where she acts as a referral agent for estate planning services. Outside of advising, she is involved in sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party investment models and offers a mix of discretionary and non-discretionary program options.

David Schwendtner is a financial advisor with GWN Securities Inc. in Greenwood Village, CO, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at Ameritas Investment Corp., Capital Choice Investment Advisers, and Rock Solid Wealth Management. Outside of advising, he participates in the Dave Ramsey SmartVestor Pro program and serves as an independent insurance agent offering various insurance products. He is also a part-time caregiver for his son, who has special medical needs. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through a large network of approximately 423 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of investment strategies including legacy market-timing and momentum-based approaches.

Alyson Williamson is a financial advisor at Empower Advisory Group with eight years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes positions at GWFS Equities, Inc. and O'Meara Ford. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.