John Flanagan is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has been associated with various branches of Charles Schwab since 2009, including Charles Schwab Premier Bank and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory services.

Tracy Morasco is a financial advisor at Ameriprise with 30 years of industry experience. She holds a Series 66 designation and has worked with Ameriprise and its affiliates since 2005. Outside of her advisory work, she has been involved with Pets Maa since 1998. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with significant investable assets. Its approach includes detailed, research-driven recommendations that integrate tax efficiency and Social Security strategies, supported by centralized consulting and algorithmic tools.

David Crowder is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with various Charles Schwab entities since 2012, including Premiere Bank, Trust Bank, Charles Schwab Bank, and Charles Schwab & Co., Inc. Outside of his advisory work, Crowder is involved in managing rental properties through several LLCs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a distinctive operational model leveraging scale and integrated custody and brokerage services.

Christopher Smith is a financial advisor at Charles Schwab with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Charles Schwab Bank since 2017. Prior to that, he was with 361 Capital, LLC and IMST Distributors, LLC from 2015 to 2017. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Kaley Dillingham is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. She serves as a board member for the Deer Trail Rural Fire Protection District and works as a firefighter and EMT with Byers Fire and Rescue. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals primarily through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Erik Niemeier is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He holds the Series 66 designation and is based in Highlands Ranch, CO. Outside of his advisory role, Niemeier owns and manages short-term rental properties through Iron Stag Properties, LLC and Knewton Street, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and affiliated investment products. The firm is recognized for its extensive network of financial advisors and branch offices, as well as its fiduciary standard and comprehensive suite of investment and wealth management services.

Richard Aleman is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Charles Schwab since 1999 and has also worked at Charles Schwab Bank since 2018. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers primarily non-discretionary investment guidance combined with access to discretionary separately managed accounts, supported by a centralized, integrated operational structure.

Brent Swanberg is a financial advisor with Charles Schwab, holding a Series 66 designation and possessing nine years of industry experience. He has worked with Charles Schwab Bank since 2017 and with Charles Schwab & Co., Inc. since 2016. Outside of his advisory role, he serves as an assistant track and field coach specializing in the high jump at Valor Christian High School. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and a central operational structure.

Brandon Sins is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2017, including a prior role at Schwab Wealth Investment Advisory, Inc. from 2015 to 2016. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios, strategic asset allocation, and a formal alternative investments program.

Joshua Stier is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado. He holds Series 66 and Series 63 designations and has nine years of industry experience, all with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a range of investment guidance supported by multi-asset model portfolios and due diligence on alternative investments.

Jared Dakovich is a financial advisor at Charles Schwab with Series 63 and Series 66 designations and five years of industry experience. His background includes roles in legal and entrepreneurial settings, such as working with Judge Eric Johnson in the 2nd Judicial District and participation in a law and entrepreneurship clinic. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Michael Stohr is a financial advisor at Charles Schwab in Lone Tree, CO, holding Series 66 and Series 63 licenses with one year of industry experience. His prior work includes roles at Progressive and Geico, as well as entrepreneurial and travel-related activities. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary advice and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational structure.

Dakota Penman is a financial advisor with Charles Schwab & Co., Inc. holding Series 66 and Series 63 licenses and six years of industry experience. Prior to joining Charles Schwab, Dakota worked at Saddleback Design and held roles at insurance agencies including Haylee Jeon Allstate and Lance Lane State Farm. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios with periodic reviews and alternative investment options.

Brian Sanchez is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank, SSB since 2006 and 2007, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a hybrid model combining non-discretionary advisory services with access to discretionary separately managed accounts, supported by centralized custody, brokerage, and operational infrastructure.

Edmundo Fuentes is a financial advisor with Merrill in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Merrill since 2020, with prior roles at Nationwide Investment Services Corp, Kestra Financial Services, Inc., and Arthur J. Gallagher & Co. Outside of his advisory role, his spouse manages a vacation rental business in Estes Park, Colorado. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individual, high-net-worth, pension, corporate, and charitable clients with model-based and discretionary investment strategies developed by internal and third-party managers.

Ravi Subramaniam is a financial advisor at Charles Schwab with 25 years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at Moloney Securities Co., Inc., Allstate Insurance Co., and TIAA-CREF. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Leslie Cooper is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 1999, including roles at Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Robert Wright is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera and its affiliates since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services and operates a multi-manager platform that provides access to both affiliated and third-party investment strategies.

Kevin King is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 66, Series 63, and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Robinhood Markets, T Rowe Price, and experience as a real estate agent. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and a centralized operational structure.

Benjamin Hilzer is a financial advisor at Edward Jones in Castle Rock, CO, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he held roles at several firms including Logan, Thomas and Johnson LLC and Richey May & Co. Hilzer is also co-founder and videographer of Letterpress Films LLC, a videography company based in Colorado Springs, and has worked as a freelance actor in community theatre, commercials, and films. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment options.