Julius Javier is a financial advisor at Empower Advisory Group with 16 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at firms including SoFi Securities LLC, Wells Fargo Clearing Services LLC, and E*TRADE Securities LLC. 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 retail brokerage clients. The firm delivers advice through a model integrated with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Michael Klein is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 66 and Series 63 registrations and having five years of industry experience. His prior work includes roles at Janus Henderson Investors and Northwestern Mutual, and he also spent two years playing independent baseball. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail account holders. The firm utilizes a model integrated with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Kristie Kingston is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Her prior work includes roles at GWFS Equities, Inc., Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services Inc. 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 integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jake Kraus is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo and Charles Schwab. His career background includes roles in both financial services and education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset allocation models and research tools to recommend investments while leaving final trading decisions to clients.

Levi Joshua Morales is a financial advisor at Empower Advisory Group with six years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing Services, QuintilesIMS (IQVIA), and Accenture. 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 retail brokerage clients. The firm’s integrated approach leverages proprietary and third-party methodologies focused on long-term portfolio returns and is closely tied to Empower’s recordkeeping and administrative platforms.

James Garrus III is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 2008. Outside of finance, he operates a woodworking business creating and selling handcrafted items such as cutting boards and holiday decor. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and recommends investments without exercising discretionary trading authority.

Roger Reynolds is a financial advisor at AE Wealth Management, LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at The Foundation For Financial Education and Federal Financial Group, LLC. Outside of his advisory role, Reynolds serves as a chapter director for a nonprofit focused on financial education and facilitates access to estate planning document services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm’s platform combines model portfolio solutions, discretionary asset management, and financial planning services, supporting a high client load per advisor through a range of internal and third-party managed investment models.

Grace Kelly is a Certified Financial Planner (CFP®) with 10 years of industry experience. She is currently with Schwab Wealth Advisory Inc. and has previously worked at First Oak Wealth Management LLC and Charles Schwab & Co., Inc. Grace holds the Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.

Eric Swanson is a CFP® with 22 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. He has held roles within Charles Schwab & Co., Inc. since 2017 and has prior experience at Key Bank, Uber, Lyft, and TIAA-CREF. Outside of his advisory work, Swanson volunteers with a nonprofit organization that supports youth dance programs by assisting at fundraising events. 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 and investment recommendations through Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on non-discretionary advice and collaborating with affiliated money managers for discretionary portfolio management.

Dylan Burke is a financial advisor at Focus Partners Wealth, LLC with two years of industry experience. He holds a Series 65 designation and has worked previously at Goldman Sachs & Co, Prince Perelson, and Transform Wealth LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, providing a range of wealth management services including investment management, financial and tax planning, and retirement plan consulting. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework, utilizing fundamental and quantitative analysis along with specialized tools such as trend-following and options overlay strategies.

Jack Kauss is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2017, following a prior role at US Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services including 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 through standard asset allocation models and research tools while leaving final trading decisions to clients.

Isabella Muturi Sauve is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, and TIAA-CREF. Outside of her advisory role, she is involved in healthcare services as a care provider for her mother. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading decisions.

David Harper II is a financial advisor with Brookstone Capital Management LLC in Castle Rock, CO, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has worked at Regal Investment Advisors, LLC since 2016 and has been associated with Cornerstone Financial Consultants since 1997, which is the name he uses for marketing. Outside of advisory work, he is a licensed insurance agent and sells insurance and annuity products. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supporting a large advisor network with back-office and turnkey asset management platform services.

Jacob Garcia is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory, Garcia has worked at Charles Schwab & Co., Inc. and has diverse experience across several industries including behavioral health and food service. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm serves individual clients using standard Schwab asset allocation models and research tools, offering investment recommendations without exercising discretionary trading authority.

Martin Holt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has held roles at GWFS Equities, J.P. Morgan Securities, JPMORGAN Chase Bank, Scottrade Investment Management, and TD Ameritrade Services. 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.

Eric Chodkowski is a financial advisor with Empower Advisory Group in Greenwood Village, CO. He holds a Series 66 designation and has 13 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation and Santander Securities, LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping platforms and emphasize long-term portfolio returns, annual rebalancing, and client savings rates.

Jennifer Smith is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and previously spent 11 years at Merrill. She holds Series 63 and Series 65 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Nolan Schultz is a CFP® professional with eight years of industry experience, currently serving as an Associate Wealth Advisor at CWM, LLC. He has held roles at Carson Wealth, Cetera Advisor Networks, and Charles Schwab, among others. Outside of advisory work, he is also an insurance agent specializing in life, health, and accident coverage. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, and retirement-plan services, typically managing discretionary accounts using model portfolios guided by an internal Investment Committee and combining various analytical and customization tools.

Lauren Richardson is a CFP® with eight years of industry experience, currently serving as an advisor at Kestra Advisory. She has held advisory roles at Kestra Advisory Services and Kestra Investment Services, among other positions, since 2017. Outside of her advisory work, she is involved with PROPLANCO MANAGEMENT LLC, focusing on insurance client management, and manages a real estate property in Denver. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors such as sovereign wealth funds.

Matthew Berens is a financial advisor at Empower Advisory Group with six years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at TIAA-CREF Individual and Institutional Services and Firstbank. His career also includes roles outside finance, such as employment with Jefferson County Public Schools and Pizza Hut. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail clients through integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and serves a large participant base with a relatively high client-to-advisor ratio.