Erik Kos is a financial advisor at Thrivent Investment Management with 26 years of industry experience. He holds a Series 63 designation and has been with Thrivent since 2015. Outside of his advisory role, he is the originator and chief cook of Burntout BBQ Co., a wholesale and retail BBQ sauce brand and competitive BBQ team. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written recommendations across a wide range of financial topics without including implementation. The firm emphasizes holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option.

Michael Oserow is a CFP® and holds a Series 66 license with 15 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2013 and 2015, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and employs a multi-asset model portfolio approach with centralized custody and operational support.

Amar Arrage Chico is a financial advisor with Charles Schwab, holding a Series 66 credential and five years of industry experience. His work history includes roles at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., Siemens, Siemens Gamesa Renewable Energy, University of Central Florida, Uber, and Valencia College. 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 and discretionary investment options using multi-asset model portfolios and provides custody, brokerage, and advisory services within an integrated operational structure.

Sean Roberts is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2000 and Charles Schwab Bank, SSB since 2021. Outside of his advisory role, he umpires softball and baseball games with Arbiter Sports. 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 SMA portfolios and provides integrated brokerage, custody, and advisory services.

Eric Zaruba is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He began his career at Fidelity in 2014, progressing through roles including Financial Consultant and Investment Representative. Prior to joining Fidelity, he worked as a Retirement Consultant at JPMorgan Institutional Investments and held client consulting roles at Charles Schwab. Eric focuses on empowering clients through education, aiming to simplify complex financial topics and help them develop detailed roadmaps toward their financial and personal goals. His approach to financial planning is guided by the principle of treating clients as he would want to be treated. Outside of his professional work, Eric enjoys outdoor activities such as baseball, camping, fishing, golf, hiking, and skiing.

Derek Nail is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab & Co., Inc. since 2016, following three years at Fasdrill Directional Services. Based in Lone Tree, Colorado, his career reflects a background spanning both financial services and directional drilling. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Paul Bowen Yeh is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at optionsXpress, Inc. in 2017 and has been with Charles Schwab since 2013. Outside of his advisory role, he has been involved in a non-investment related activity managing household contributions with a roommate. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining brokerage, custody, and advisory services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Mikayla Herman is a Series 66-licensed financial advisor with Charles Schwab, based in Lone Tree, CO, with six years of industry experience. She has held various roles within Charles Schwab and Charles Schwab Bank since 2018. Outside of her advisory work, she serves as an assistant girls' basketball coach at Castle View High School. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Eydie Hoeppner is a CFP®-certified financial advisor with Edward Jones, located in Parker, CO. She has 18 years of industry experience and has been with Edward Jones since 2007. Outside of her advisory role, she is the agent of record for her husband's mortgage and insurance business, handling related mail. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm provides a range of advisory programs and investment options, operating under a fiduciary standard with a nationwide network of over 23,000 financial advisors.

Alec Newton is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Bank of the West BNP Paribas and Sprouts Farmers Market LLC. Charles Schwab & Co., Inc. serves a large client base consisting primarily 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 both non-discretionary and discretionary investment management options, leveraging multi-asset model portfolios and centralized operational structures.

Tiffany Burroughs is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked with several Charles Schwab entities since 2012. Outside of her advisory role, she owns and operates Witchy Kitschy Cat, a business focused on handmade art, jewelry, clothing, and vintage item resale. 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. Schwab combines both non-discretionary advisory models and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Michael Landau is a financial advisor with Thrivent Investment Management, holding Series 66 and Series 63 designations and 16 years of industry experience. His prior work includes roles at Fidelity Investments and Robinhood Financial. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various financial topics without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option.

Nathan Crow is a financial advisor at Charles Schwab with 19 years of industry experience. He has held his current role at Charles Schwab since 2006 and holds the Series 66 designation. Outside of his advisory work, he is a co-owner of a psychotherapy and wellness practice based in Lone Tree, Colorado. Charles Schwab serves a large client base of 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 SMAs and offers an integrated approach featuring multi-asset model portfolios and alternative investment options.

Joseph Kozmata is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and 45 years of industry experience. He has been with Raymond James since 1990, serving within the firm’s advisory services for over three decades. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, corporations, pension plans, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and supports municipal and public-finance work through a municipal advisor affiliation uncommon among large institutional advisors.

Zechariah Matlick is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2006, with a one-year tenure at optionsXpress, Inc. prior to that. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house financial research.

Lorraine Lozano is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab in 2023, she worked at Hitachi Solutions Philippines Corporation, Microsoft Philippines Inc., and Oracle Philippines Corporation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance, supported by multi-asset model portfolios and due diligence on alternative investments.

Zachary Soper is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual Wealth Management and Charles Schwab Bank. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan, while keeping services separate.

Ryan Martin is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Charles Schwab in Lone Tree, CO. He has been with Charles Schwab since 2003. 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 both non-discretionary advisory guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment platform.

Kristin Bundy is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked with Charles Schwab & Co., Inc. since 2013 and Charles Schwab Bank, SSB since 2020. 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 affiliated managed-account and financial planning services. Schwab 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.

Alec Mactas is a financial advisor with Charles Schwab & Co., Inc. in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and having seven years of industry experience. He has been with Charles Schwab since 2018 and previously worked as a full-time student and briefly in the food service industry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large, integrated operational structure.