Matthew Enser is a financial advisor at Empower Advisory Group with a Series 66 designation. He has experience working at several firms, including Key Bank NA and Key Investment Services LLC, and joined Empower Advisory Group in 2026. 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 delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Melanie Cravens is a CFP® professional with 26 years of industry experience. She is currently affiliated with Commonwealth Financial Network and is the owner of Pillar Wealth Management of Colorado, LLC. Prior to her current roles, she worked at Charles Schwab and Charles Schwab Bank for over two decades. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering a variety of advisory programs and services including wealth management and retirement plan consulting. The firm provides operational support, investment management, and compliance services while allowing advisors discretion in portfolio construction.

Kamren Tinsley is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 credential and has previous experience at Bank of America and Merrill. Outside of finance, he has worked with Easter Seals. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

John Dubler is a financial advisor at Empower Advisory Group with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at GWFS Equities, Inc. from 2011 to 2019 before joining Advised Assets Group, LLC. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and utilizes close coordination with Empower’s recordkeeping and administrative platforms.

Gianmarco Cacciamatta is a financial advisor with Transamerica Financial Advisors who holds Series 65 and Series 63 credentials and has 15 years of industry experience. He has held roles at Panorama Management, LLC, WhiteFox Defense, Nationwide Employee Benefits, Wfgia, and operates Cacciamatta & Associates, where he provides professional services and consulting to business owners. Outside of his advisory work, he is involved as a consultant for an unmanned aerial systems company and actively participates in employee benefits sales. Transamerica Financial Advisors serves a diverse clientele including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with proprietary and third-party model portfolios. The firm operates as both a registered broker-dealer and RIA, providing multiple investment program options alongside affiliated retirement and recordkeeping support.

Justin Hawksley is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. Prior to this, he worked at Ethos Financial Partners for three years. He holds a Series 63 license and is based in Elizabeth, CO. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a broad range of supplemental investment options and integrated retirement plan services.

Kerre Heath is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 designations and 17 years of industry experience. She has previously worked with T. Rowe Price Investment Services, Inc. and currently advises through Advised Assets Group, LLC and GWFS Equities, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach.

Steven Warshawsky is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 credentials and two years of industry experience. His career background includes roles at Transamerica Financial Advisors, World Financial Group, TransAmerica Life Insurance Company, and Oracle. Outside of advisory work, he is involved as a lead software engineer developing software services for TransAmerica Life Insurance Company. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party money managers, with discretionary and non-discretionary program options.

Charles Walsh is a CFP® with 26 years of industry experience, currently serving at Empower Advisory Group. His prior roles include positions at Adams Wealth Advisors, Thrivent Financial, GWFS Equities, Target Corporation, and TIAA-CREF. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and retail brokerage clients, delivering solutions integrated with Empower’s administrative platforms.

Andrew Mc Morrow is a financial advisor with Schwab Wealth Advisory who holds the Series 63 and Series 66 designations and has 10 years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab prior to joining Schwab Wealth Advisory in 2023. Outside of his advisory work, he serves as an ice hockey referee in the Denver Metro area and is a parent volunteer team treasurer for the Colorado Rapids Youth Soccer Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and offers investment recommendations without exercising discretionary trading authority.

Ivan Kostadinov is a financial advisor with Empower Advisory Group holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at KeyBank and Allied Universal Security, along with eight years at BestBuy before entering the financial sector. Kostadinov has worked at Empower since 2024 in both Empower Financial Services, Inc. and Empower Advisory Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms and focuses on long-term portfolio strategies with annual rebalancing.

Keith Morrow Jr. is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 credentials and eight years of industry experience. Prior to joining Empower in 2023, he worked at GWFS Equities, Inc. from 2017 to 2023 and has experience with Dickinson Fleet Services. Outside of his advisory role, he serves as a referee for sports programs in Denver. 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 uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

George Verbrugge is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. His career includes roles at Transamerica Capital, Inc., WFG, and Advocate Health Advisors. He also serves as a referral partner for NetLaw, assisting clients with affordable legal documents such as wills and trusts. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory strategies and supports its large advisor network through multiple program platforms.

Ilario Kane is a financial advisor at Empower Advisory Group with the Series 66 designation and less than one year of industry experience. Prior to joining Empower, he has held various roles across multiple industries, including positions at Power Home Remodeling and Alpine Modern Cafe. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

Courtney Babb is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. She has been associated with Charles Schwab & Co., Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem and emphasizes client-directed decision-making supported by Schwab’s research tools and standard asset allocation models.

Nicholas Yeros is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2017, including his current role at Schwab Wealth Advisory since 2021. Prior to that, he spent one year at Atmos Energy Corporation. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Amanda Reynolds is a financial advisor with Integrity Alliance, LLC in Denver, Colorado. She holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Integrity Alliance, she worked briefly at BFC Planning, Inc. and Securities Management & Research, Inc., and she has been associated with Huff and Associates Inc. for over two decades. Outside of her advisory role, she owns and manages Honey B's Macaron, a bakery business. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm provides continuous asset management, financial planning, and consulting services using a variety of investment approaches and platforms.

Jeffrey Baclawski is a CFP® and ChFC® with 25 years of industry experience. He has worked at Schwab Wealth Advisory since 2017 and has prior experience at Strategic Advisers, Inc. and Fidelity Brokerage Services LLC. 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 leaving final trading decisions to clients, conducting annual account reviews without discretionary trading authority.

Oksana Doncila is a Certified Financial Planner (CFP®) with 21 years of industry experience. She currently works at Empower Advisory Group and previously held roles at Personal Capital Advisors Corporation and Wells Fargo. Empower Advisory Group provides financial planning and investment management services 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’s approach includes point-in-time financial plans and optional managed account solutions, with a focus on long-term portfolio returns and integration with Empower’s recordkeeping and administrative platforms.

Benjamin Sia is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Great-West Investments and Putnam Investments. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms.