Jason Anderson is a financial advisor at Empower Advisory Group with one year of industry experience. He holds a Series 65 designation and previously worked at SLMC, LLC, SLC1, LLC, Impact eCommerce (Coursier Capital), T3 Trading Group, LLC, and Glencoe Partners, 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 account holders. The firm’s integrated approach emphasizes long-term portfolio returns, annual rebalancing, and client savings rates within plans selected by sponsors.

Carl Orn is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, including over a decade with Schwab Wealth Advisory and Charles Schwab. 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 various asset classes. The firm’s advice is delivered using Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Alejandro Lopez Lule is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 66 and Series 63 credentials and bringing 16 years of industry experience. He has worked with Advised Assets Group, LLC since 2016 and Gwfs Equities, Inc. since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, integrating services with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates through a point-in-time planning model and serves a large participant base relative to its adviser headcount.

John Stempfle is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory since 2018, having worked at Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab 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 act as a discretionary portfolio manager.

Whitney Selvig is a financial advisor at Guardian Life with two years of industry experience. She holds a Series 66 designation and has worked at Guardian Life, Park Avenue Securities, Celebrity Home Loans, NBH Bank, and Colten Mortgage. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement plan consulting, and various investment advisory programs.

Sean Gray is a financial advisor with Empower Advisory Group, holding a Series 66 designation and five years of industry experience. He has worked previously at SPC, Parkland Securities, and Kaplan, Inc. Outside of his advisory role, he volunteers as a rock climbing instructor and serves as a firearms instructor in Colorado Springs. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and disciplined savings strategies.

Michele Hefner is a financial advisor at Transamerica Retirement Advisors, LLC with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Diversified Investment Advisors and Diversified Investors Securities Corp. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm’s approach relies on Morningstar Investment Management for portfolio construction and oversight, offering a mix of discretionary and non-discretionary investment recommendations.

Michael Whiteman is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at T. Rowe Price, USAA Financial Planning Services, and GWFS Equities. 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 clients. The firm uses an integrated service model linked to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Sebastian Coppola is a Series 66-licensed advisor with Schwab Wealth Advisory, Inc., based in Lone Tree, Colorado. He has 14 years of industry experience, including roles at Schwab Wealth Advisory since 2015 and Charles Schwab & Co., Inc. since 2013. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not charge clients directly for advisory services.

William Hanson is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 designations and seven years of industry experience. His prior work history includes roles at GWFS Equities, Inc., Vander Haag's Inc, Steffen Furniture, and Southwest Minnesota State University. 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 offerings include point-in-time financial plans and optional managed account solutions, with services integrated through Empower’s recordkeeping and administrative platforms.

Joseph Dumas is a financial advisor at Empower Advisory Group with 26 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley and Charles Schwab. Outside of his advisory roles, he has been involved in rental services since 2017. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering financial planning and investment management through an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates in its financial planning services.

Terrence Joebchen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. His background includes roles at Charles Schwab, Gwfs Equities, Fidelity Brokerage Services, and Rockwell Collins. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts at least annual account reviews and works within the Schwab ecosystem, with discretionary management typically handled by affiliated or third-party money managers.

Teresa Sanders is a CFP®-certified financial advisor with 19 years of industry experience. She is currently with CWM, LLC and has prior experience at Carson Wealth, Cetera Advisor Networks, GPS Wealth Strategies Group, and LPL Financial. She also holds a license to sell fixed insurance products. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, families, foundations, endowments, corporations, and institutions. The firm manages portfolios on a discretionary basis using model portfolios and combines various analytical approaches and sub-advisors, with a focus on fiduciary retirement plan services and comprehensive client reporting.

Alan Gappinger is a CFP® and ChFC® with 25 years of industry experience. He is currently with Farther and has previously worked at Heartland Institute for 18 years. Gappinger is also involved as a consultant and partner in financial literacy and business management initiatives. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through both a digital platform and in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory, utilizing proprietary model portfolios with algorithmic rebalancing and a mix of ETFs, mutual funds, equities, and fixed income.

Hugo Gandarilla is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 designations and 14 years of industry experience. He has worked at Gwfs Equities, Inc. since 2014 and has been with J.P. Morgan Institutional Investments Inc. and J.P. Morgan Retirement Plan Services LLC since 2011. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with services for Empower Premier IRA and retail brokerage account holders. The firm offers a financial planning service focused on long-term portfolio returns and annual rebalancing, integrated with Empower’s recordkeeping and administrative platforms.

Sinee O'Brien is a financial advisor at Empower Advisory Group with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at JP Morgan Chase Securities LLC and JP Morgan Chase Bank. 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 and focuses on long-term portfolio returns and clients’ savings rates.

Kristopher Williams is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and various Charles Schwab entities. 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 asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice through standardized asset allocation models and research tools, without exercising discretionary trading authority.

Scott Wubbena is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with TIAA and TIAA-CREF since 2000. Outside of his advisory role, he is a 50% part owner of farmland through a family-owned farming business. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory approach separates one-time planning services from ongoing discretionary management and includes access to customized portfolio management under a fiduciary standard.

Matthew Palumbo is a financial advisor with Empower Advisory Group based in Greenwood Village, CO, holding a Series 66 designation and six years of industry experience. His prior work includes roles at GWFS Equities, Advised Assets Group, AEWealth Management, Madison Avenue Securities, and Edward Jones. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed accounts within plan lineups selected by plan sponsors.

Alex Graesser is a CFP®, ChFC®, and holds a Series 63 license with nine years of industry experience. He currently works at Empower Advisory Group and has prior experience with Personal Capital Advisors Corporation and Northwestern Mutual. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within an integrated model linked to Empower’s administrative platforms.