Antwann Holmes is a CFP® and holds a Series 66 license with 11 years of industry experience. He currently serves as a financial advisor at J.P. Morgan Securities in Denver, CO. Prior to joining J.P. Morgan, he worked at Townsend Retirement and Investment Advisors, Creative Planning, and Personal Capital Advisors. Holmes continues to have involvement with Townsend Retirement & Investment Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through customized asset-allocation advice, investment manager searches, and performance reporting. The firm employs a process that combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Steven Murray is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He is a partner of Murray Limited, a firm involved in estate planning, and serves as a trustee for multiple trusts. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

John Schindler is a financial advisor with Raymond James & Associates in Denver, CO, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Heritage Action for America and Colorado State University, as well as operating a landscaping business. Raymond James & Associates is a large firm managing approximately $501 billion in assets, serving a diverse client base including individuals, institutions, and municipal entities. The firm provides financial planning and investment consulting with a range of portfolio management styles and is noted for its municipal advisory services and extensive affiliate network.

Grant Reffett is a financial advisor at Robert Baird & Co. in Denver, CO, holding a Series 66 designation with four years of industry experience. Prior to joining R.W. Baird in 2021, he worked at Epic Systems and held other positions outside the financial industry. He is also an owner/member of Grant and JJ LLC, a non-investment related business. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a variety of financial planning, portfolio management, and brokerage services, utilizing a mix of manager-traded and model-traded strategies, with ongoing manager selection supported by internal research and tools.

Denise Stup is a financial advisor with Robert W. Baird & Co. in Denver, CO, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She previously worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual. Outside of her advisory role, she is involved as a franchisee in a network marketing business focused on wellness and better food choices and serves as a class coordinator for a community Bible study. She is part of the DDK Group at Robert W. Baird & Co., which provides tailored wealth management services to individuals, families, institutions, and charitable organizations through a combination of consulting, portfolio management, and specialized investment strategies.

Samuel Glassford is a financial advisor with Wells Fargo Clearing in Denver, CO, holding Series 66 and Series 63 designations and having four years of industry experience. His prior work includes roles at Crux Wealth Advisors, Raymond James Financial Services, Fidelity Investments, and T. Rowe Price. Outside of his financial career, he also works as a driver for Uber. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions, relying on research from Wells Fargo Investment Institute and third-party sources to support portfolio construction and investment selection.

Davis Owens is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he collaborates with a team of specialists to assist businesses and individuals in determining and achieving their financial objectives. His primary focus is on addressing the investment needs and goals of each client while maintaining transparency throughout the advisory relationship. Born and raised in Oklahoma City, Davis Owens holds a Bachelor of Business Administration degree in Finance from the University of Oklahoma. He holds the Personal Investment Advisor (PIA) designation, supporting his capabilities in providing personalized financial strategies. Davis emphasizes working one-on-one with clients to develop flexible wealth management plans tailored to their long-term goals. He also participates in community volunteering, reflecting the Merrill tradition of engagement in the communities served.

Tyler Penney is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He is a Certified Financial Planner™ who collaborates with clients to develop, implement, and maintain financial plans, aiming to ensure that every client feels confident in their financial strategy. Tyler has been with Fidelity Investments since 2018, progressing through various roles including Planning Consultant, Relationship Manager, Financial Representative, Investment Solutions Representative, High Net Worth Representative, and Customer Relationship Advocate. His experience spans client relationship management and financial planning. Outside of his professional work, Tyler has interests in board games, fitness, football, outdoor adventures, pets, and volunteering.

Stephen Ruef is a financial advisor at UBS Financial Services with seven years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Securities LLC and JPMorgan Chase Bank, N.A. outside his current role. UBS Financial Services Inc. serves individual, corporate, and institutional clients offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Jason Dickerman is a CFP® professional with 21 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He is also associated with Century Securities Associates, Inc. Outside of his advisory roles, no additional activities are noted. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers IPS-driven investment advice grounded in modern portfolio theory, acting as an ERISA fiduciary, and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kellen Self is a Financial Consultant with Fidelity Investments. Based in Colorado, he emphasizes building strong relationships with clients by tailoring financial plans to meet their individual needs. His approach focuses on collaborating with clients to create, execute, and monitor strategies aimed at helping them achieve their financial goals. Kellen's professional experience includes roles at Fidelity Investments as a Planning Consultant from 2022 to 2025, Relationship Manager in 2022, Financial Representative from 2021 to 2022, and Investment Solutions Representative from 2020 to 2021. Prior to joining Fidelity, he worked as an Associate in Global Wealth Strategies and Associates from 2018 to 2019. Outside of his professional activities, Kellen enjoys cooking and baking, golfing, visiting museums, skiing, playing soccer, and traveling.

Chloe Kennedy is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop personalized plans aimed at helping them achieve their financial goals. In her role, she focuses on creating strategies that address the specific needs of each client. Kennedy has been with Fidelity Investments since 2022, initially serving as a Relationship Manager before transitioning to her current position in 2026. This experience has provided her with a comprehensive understanding of client relationship management and financial planning processes.

Tupper Macdowell is a financial advisor with Robert W. Baird & Co. in Denver, CO, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Robert W. Baird & Co. since 2010. Outside of his advisory role, he serves as a member of the investment committee for St. Anne's Episcopal School, overseeing the school's endowment and trust investments. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers customized investment solutions combining in-house and third-party managers and provides services ranging from financial planning to discretionary portfolio management.

Craig Mcqueen is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior work includes roles at Cavanal Hill Investment Management, Cavanal Hill Distributors, Bow River Asset Management, and Foreside Financial Services. He is based in Denver, CO. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Kelly Heppe is a CFP®-designated financial advisor with 19 years of industry experience. She has worked at Robert Baird & Co. since 2013, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. She is based in Denver, CO. Kelly is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department serving individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing both internal research and advanced tools such as artificial intelligence in client advice.

Stuart Vander Velde is a financial advisor with Robert Baird & Co. in Denver, CO, holding a Series 66 designation and nine years of industry experience. He has been with Baird since 2016. The DDK Group, where Stuart works, is part of Robert W. Baird & Co.’s Private Wealth Management department serving individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and custody and brokerage services, utilizing a combination of manager-traded and model-traded strategies along with tax-management and direct-indexing capabilities.

Heather Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2009 and brings over 20 years of experience in financial services. Heather works primarily with high-net-worth individuals and families to connect all aspects of their financial lives, helping them prioritize and pursue their short- and long-term financial goals through customized strategies aligned with their priorities. Heather holds a Bachelor of Business Administration degree in Finance from Mercer University. She is also certified as a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her expertise covers a range of areas including college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. In her personal life, Heather enjoys spending time with her husband and daughter biking, skiing, gardening, golfing, and reading. She is involved in her daughter's school and their church community.

Christine Eakins is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch since 2005. Outside of her advisory role, she serves as a committee member for Cherry Creek Has Heart, a nonprofit organization that decides on local charity donations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers both model-based and discretionary investment strategies developed by internal and third-party managers.

Francis Lowery is a financial advisor with MassMutual Investors Services in Denver, CO, holding a Series 66 designation and five years of industry experience. He has worked at MML Investor Services, LLC and MassMutual Life Insurance Company since 2021. Outside of his advisory role, Lowery serves as Operations Director for Traverse City CVB, overseeing logistics for IRONMAN events. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved analytical tools to deliver collaborative, annual financial planning and offers specialized services including a standalone Divorce Planning offering and event-driven estate and employer-sponsored planning programs.

Martye Bailey is a financial advisor with Primerica Advisors in Denver, CO, holding Series 63 and Series 65 licenses and has 23 years of industry experience. He has been affiliated with Primerica Advisors, Primerica Financial Services, and Nite Sky Electrical since 2002. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm employs a wrap-fee structure and uses third-party asset managers with oversight from an independent consultant and delegates trading responsibilities to BNY Mellon Advisors.