Carole Pfeifer is a financial advisor at LPL Financial with 22 years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James Financial Services Advisors and Newell Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Erik Hernandez Ramos is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at various Wells Fargo entities since 2007, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he has experience managing a rental property. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Zachary Davis is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Bank of America, Charles Schwab & Co., Inc., and E*Trade Capital Management. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, pension plans, and charitable organizations.

Stephen Babin is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He specializes in developing personalized financial strategies aimed at helping individuals and families achieve their financial goals. Prior to this position, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Financial Representative from 2022 to 2023. Throughout his career at Fidelity Investments, Stephen has focused on simplifying complex financial decisions and making financial guidance accessible to a wide range of clients. His approach centers on empowering clients to take control of their financial wellbeing, regardless of their starting point. Outside of his professional responsibilities, Stephen enjoys comedy, family activities, fitness, football, gardening, and spending time with pets.

Blaize Kreuger is an Investment Consultant at Fidelity Investments, a role held since 2026. Blaize focuses on collaborating with clients to develop financial plans tailored to their specific needs and goals. Blake's work emphasizes enabling clients to take control of their financial futures through personalized strategies. Blaize has been with Fidelity Investments since 2022, progressing through roles including Financial Representative from 2022 to 2024, Workplace Planning Consultant from 2024 to 2025, and Planning Consultant from 2025 to 2026. This experience has provided Blaize with a broad understanding of financial planning and investment consulting. Outside of their professional responsibilities, Blaize engages in activities such as fitness, social events, golf, reading, traveling, and volunteering.

Quinston Daugherty is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has previously worked at MWA Financial Services Inc and served as a contract appraiser providing legal descriptions and market data for residential properties in Littleton, CO. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary advice grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Brian Zivicky is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he was with JPMorgan Chase Bank NA and JP Morgan Securities Inc for 17 years. Outside of his advisory role, he is a partner in 10110 LLC, a consulting business based in Denver. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized estate planning groups.

Donna Hurst is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC prior to joining J.P. Morgan in 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

Todd Hatfield is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Todd earned a Bachelor's Degree from Denison University.

Christopher Thomas is a financial advisor at Ameriprise with six years of industry experience and holds a Series 66 designation. His work history includes various roles prior to joining Ameriprise in 2020. He is also a co-owner of YGB Operations LLC, a non-investment-related business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm emphasizes tax-aware withdrawal strategies and employs a collaborative, non-discretionary approach supported by internal research and third-party analysis.

Max Demby is a financial advisor with LPL Financial in Denver, CO, holding a Series 66 designation and two years of industry experience. His prior work includes six years at Albert Frei and Sons, Inc. and two years at Ernst and Young, LLP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research and model portfolios.

Matthew Watson is a financial advisor with Edward Jones in Westminster, CO, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked in various roles at Salesforce, Mobile Epiphany, and Keyence Corporation of America. Outside of his advisory work, he has no active business responsibilities related to a rental property owned by his fiancé. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products.

Abigail Moonan is a financial advisor with Wells Fargo Clearing in Denver, CO, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Wells Fargo, she has held roles at Alterra Mountain Company and other organizations. She volunteers with the Steamboat Ski Patrol, focusing on mountain and skier safety. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education, with an advisory process grounded in modern portfolio theory and tailored to plan objectives.

Valter Martinez is a financial advisor at Morgan Stanley in Denver, CO, holding Series 63 and Series 66 designations with three years of industry experience. His prior work includes roles at E*Trade Securities, Capital 360, and involvement in the restaurant and brewing industries. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and risk modeling techniques.

Charles Wham is a financial advisor at J.P. Morgan Securities in Denver, CO, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Talkot Capital LLC and Rocky Mountain Industrials Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

John Witherspoon is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and advisory solutions.

Tiffany Blacksten is a financial advisor at Raymond James & Associates in Boulder, CO, holding a Series 66 designation with five years of industry experience. Her prior roles include positions at Merrill, Blue Federal Credit Union, J.P. Morgan Securities LLC, and JPMorgan Chase Bank, N.A. before joining Raymond James in 2026. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a broad client base including individuals, corporations, charitable organizations, and government entities, providing wealth advisory planning and investment consulting through comprehensive, non-discretionary planning and portfolio recommendations.

Michael Reed is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill, and BancWest Investment Services. He is based in Fort Collins, Colorado. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Hogan is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Andrew Clyne is a financial advisor with Osaic Wealth, Inc. based in Denver, Colorado, holding Series 63 and Series 65 credentials and having 16 years of industry experience. He has worked at firms including Securities America Advisors and Cambridge Investment Research, and he operates Aggregate Wealth Management as a DBA. Outside of finance, he teaches scuba diving as a Dive Master. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering a range of brokerage and advisory services alongside financial planning, retirement consulting, and access to managed accounts and third-party money managers.