Brett Ellis is a CFP® certificant with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. He has worked within the Charles Schwab organization since 2016, including roles at Schwab Wealth Advisory Inc. and Charles Schwab Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools. The firm delivers financial planning and investment recommendations while clients retain final trading decisions, and it operates within the Schwab ecosystem without directly charging clients fees.

Deborah Eggleston is a CFP® with 33 years of experience in the financial industry. She is currently associated with United Planners' Financial Services of America as a Limited Partner, a position she has held since 2020. Her prior experience includes roles at MML Investors Services and Mass Mutual Life Insurance Company. Outside of finance, she works at the Lone Tree Arts Center concession stand. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients through a network of independent advisors. The firm manages approximately $12.77 billion in assets and employs a primarily non-discretionary investment approach.

Margo Hanschke is a financial advisor with Schwab Wealth Advisory, holding the CFP® designation along with Series 66 and Series 63 licenses. She has three years of industry experience and has worked at Schwab Wealth Advisory Inc. since 2026, following four years at Charles Schwab & Co., Inc. Prior to her financial industry career, she spent eight years at Colorado Christian University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, relying on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

George Papadimitropoulos is a CFP® with 14 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2014. He has been affiliated with Charles Schwab since 2011. Outside of his advisory role, he is president of a real estate holdings company in Englewood, Colorado, where he is involved in property acquisition and lease management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations that leverage Schwab’s research tools and asset allocation models.

David Keller is a ChFC® credentialed financial advisor with 54 years of industry experience, currently affiliated with Primerica Advisors and Park Avenue Securities. He has worked at Primerica Advisors since 2008 and concurrently at Guardian Life Insurance Company. Keller serves on the board of Colorado Uplift, a nonprofit organization. Park Avenue Securities serves a broad retail client base, offering both transaction-based brokerage and fee-based advisory services, including financial planning and retirement consulting. The firm utilizes a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as securities-based lending and donor-advised funds.

Johan Forsman is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and 21 years of industry experience. He worked at TIAA-CREF and TIAA for 20 years before joining Empower Advisory Group and Empower Financial Services in 2026. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm offers integrated services through Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Cameron Roybal is a financial advisor with Empower Advisory Group, holding Series 65 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Charles Schwab, Guardian Life, Cetera Advisor Group, and several other firms. Roybal is based in Greenwood Village, Colorado. 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 offers integrated services aligned with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Kenneth Lang is a financial advisor at &PARTNERS with Series 63 and Series 65 credentials and 56 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined 36 years. Lang serves as a FINRA arbitrator outside of his advisory role. &PARTNERS serves a diverse client base including individuals, institutions, and retirement plans, offering investment management, financial and tax planning, and municipal advisory services through a combination of proprietary and third-party strategies.

Ye Xia is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2017 and Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, while clients make the final trading decisions.

Clayton Faber is a financial advisor at Empower Advisory Group with five years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Empower, he worked at Fidelity Brokerage Services LLC and Fidelity Investments. Outside of his advisory role, Clayton also works as an independent contractor for DoorDash, providing food delivery services. Empower Advisory Group offers 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 account holders. The firm utilizes an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Angelo Giron is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 credentials and seven years of industry experience. Prior to joining Empower Advisory Group in 2023, he worked at Personal Capital Advisors Corporation from 2017 to 2023 and was employed at Furniture Row from 2013 to 2017. 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 account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and clients’ savings rates in its planning methodologies.

Mackenzie Azzam is a financial advisor at Empower Advisory Group with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Empower Financial Services, inc, Mackenzie worked at The Medical Center of Aurora and has a background that includes roles in healthcare and education. Empower Advisory Group provides financial planning and investment management mainly to employer-sponsored retirement plan sponsors and their participants, integrating its services with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and offers both point-in-time financial plans and optional managed account solutions.

John O Brien is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 66 and Series 63 designations. His prior work includes roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Cory Rau is a Certified Financial Planner® with 12 years of industry experience. He is currently with Schwab Wealth Advisory and has held positions within Charles Schwab and Raymond James Financial Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Casilda Gorozpe is a CFP® professional with 16 years of industry experience, currently with Empower Advisory Group. Her prior roles include positions at GWFS Equities, Inc., Transamerica Investors Securities Corporation, and Waddell & Reed, Inc. She also worked at Museo De Las Americas from 2016 to 2020. 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 planning and portfolio management with Empower’s recordkeeping and administrative platforms.

Homira Rich is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Schwab Wealth Advisory since 2023 and previously held roles at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, and Scottrade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with final investment decisions made by clients and account reviews conducted at least annually.

Wendy Knott is a CFP® with 25 years of industry experience and is affiliated with Empower Advisory Group. She has worked at Gwfs Equities Inc. since 2003. Outside of her advisory work, she is an independent sales consultant for Norwex, a company specializing in household cleaning products. 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 clients. The firm’s integrated service model emphasizes long-term portfolio returns and savings rates, delivering both point-in-time financial plans and optional managed account solutions.

Jonathan Spors is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 credentials and has 32 years of industry experience. He previously worked at TIAA-CREF for 14 years and joined Schwab Wealth Advisory in 2021. Outside of advisory work, he has owned a real estate business since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews, planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Mark Barczuk is a financial advisor at Benjamin F. Edwards & Company, Inc. with 29 years of industry experience. He has been with Benjamin F. Edwards & Co since 2014 and holds a Series 63 designation. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving individuals, pension and profit-sharing plans, charitable organizations, corporations, and other institutions. The firm offers a range of services including fee-based wrap programs, financial planning, and investment management consulting, supported by several hundred advisors and tens of billions in assets under management.

Ethan Ballek is a Series 65-licensed financial advisor at Mariner with one year of industry experience. His prior work includes roles at SageGuard Financial Group and Nashville SC, as well as experience as a self-employed model and digital content creator. Mariner serves a diverse client base including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, and specialized services such as coordinated tax and Core Family Office solutions. The firm uses customized discretionary portfolios supported by internal research and third-party managers, and it integrates tax and accounting services alongside its investment offerings.