Marc Andersen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2000 and has been with Schwab Wealth Advisory since 2012. 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, delivering advice using Schwab’s standard asset allocation models and research tools while leaving final trading decisions to clients.

Joseph Gard is a financial advisor with PNC Wealth Management in Castle Rock, Colorado, holding Series 63 and Series 66 licenses. He has four years of industry experience, including prior roles at Bank of America, Merrill, Charles Schwab, and the Credit Union of Colorado. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and approved third-party strategies to manage client portfolios with mutual funds and ETFs.

Douglas Askins is a CFP® professional with 11 years of experience in financial advisory roles. He has worked at Schwab Wealth Advisory since 2021 and held prior positions at Charles Schwab and USAA, focusing on investment management and financial planning. His credentials include Series 65 and Series 63 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and employs a cost-and-expense plus payment structure rather than directly charging clients.

Shannon Sassman is a financial advisor at Empower Advisory Group with 19 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked with firms including Prudential Investment Management Services and TRANSAMERICA Retirement Solutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates rather than short-term return forecasts.

Luke Bumanglag is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 11 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab & Co., using standard asset allocation models and Schwab research tools, with advisors recommending investments while clients retain final trading decisions.

Mark Thompson is a financial advisor at SPC with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has been with SPC since 2004. Thompson is also the owner of Wealth Partners, Inc. and Wealth Partners Insurance Inc., through which he provides financial services and sells non-variable life insurance products. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans with a range of portfolio management, financial planning, and ERISA-related retirement services. The firm combines discretionary and nondiscretionary management approaches and maintains affiliations with broker-dealers and insurance agencies to offer a broad service platform.

Jonathan Bunch is a financial advisor at Empower Advisory Group with three years of industry experience. He holds Series 66 and Series 63 designations and previously worked at T. Rowe Price for four years. His background also includes roles at DJ Maestro and Snoozetown, LLC. 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 emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Arthur Updike is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 designation and has worked at Empower Retirement since 2020. Prior to that, he was employed at Charcoal Bistro 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 to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach leverages proprietary and third-party methodologies focused on long-term portfolio returns and includes optional managed account solutions.

Matthew Karp is a financial advisor with Transamerica Retirement Advisors, LLC, possessing Series 65 and Series 63 licenses and nine years of industry experience. He has worked at Transamerica Life Insurance Company and Transamerica Investors Securities Corporation since 2019 and has prior experience at OppenheimerFunds Distributor, Inc. and Anthem Health Services. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice, advisor-managed advice, and investment education services. The firm utilizes proprietary software and model portfolios from Morningstar Investment Management to deliver asset allocation and retirement guidance at scale.

Micah Steinwandt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and seven years of industry experience. His prior firms include GWFS Equities, Inc., Envoy Financial LLC, and AXA Advisors, LLC. 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 clients, using an integrated model aligned with Empower’s recordkeeping and administrative platforms.

Amy Obert is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has worked at Charles Schwab and affiliated firms since 2000 and is also owner of Matt and Amy Obert LLC, a separate non-investment-related business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools.

Michael Merlino is a financial advisor at Empower Advisory Group with two years of industry experience. He holds the Series 66 and Series 63 licenses. Prior to his current role, he worked at Enterprise Mobility for five years and held various positions including at Target and Smoky Hill Vineyard Church. 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 select retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services closely with Empower’s recordkeeping and administrative platforms.

Olivia Dudley is a financial advisor at Schwab Wealth Advisory, holding a Series 66 designation with four years of industry experience. She has worked at various Charles Schwab entities since 2021 and has prior experience in senior living and club management roles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and serving primarily individual clients.

Meredith Perez is a financial advisor at Empower Advisory Group with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Bank of America, Merrill, GWFS Equities, and Advised Assets Group. Outside of her advisory work, she assists with accounting and recordkeeping for a family-owned vending solutions business. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering integrated financial planning and investment management tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual plan rebalancing within plan lineups selected by plan sponsors.

Michael Cotter is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Schwab Wealth Advisory and Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm delivers investment recommendations while leaving final trading decisions to clients and conducts annual account reviews without discretionary trading authority.

Kevin Ward is a financial advisor with Osaic Advisory Services, LLC, holding a Series 66 credential and bringing 10 years of industry experience. His prior firms include Cetera Advisors LLC, SageView Advisory Group, and First Allied Advisory Services. Outside of his advisory role, he owns Nostalgia Stadium Cards LLC, a business that sells sports memorabilia and collectibles. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, and retirement plan consulting, utilizing multiple program models and third-party platforms to tailor portfolios to client needs.

Zhicheng Rui is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. His work history includes roles at Alpha II, LLC and Charter Communications, where he has been involved in network IP management and bookkeeping for an investment-related LLC. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations, offering advisory and broker-dealer services through proprietary and third-party investment models with both discretionary and non-discretionary program options.

Michael Brennan is a financial advisor with Schwab Wealth Advisory, holding Series 65, 63, and 66 licenses and bringing 16 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice supported by proprietary research tools and standard asset allocation models, with clients retaining final trading decisions.

Lisa Sveland is a financial advisor with Schwab Wealth Advisory, holding Series 65 and Series 63 licenses and four years of industry experience. Her prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Nordstrom. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates within the Schwab ecosystem and uses standard asset allocation models and research tools, with final trading decisions made by clients.

Charles Heurtevin is a financial advisor with Empower Advisory Group and holds a Series 65 designation. He has one year of industry experience, including prior roles at PBMares Wealth Management LLC and Societe Generale Private Banking. 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 account holders. The firm emphasizes long-term portfolio returns and annual rebalancing through an integrated model linked to Empower’s recordkeeping and administrative platforms.