Jan Michael Villas is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at firms including Wells Fargo Clearing Services and E*TRADE Securities. 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 clients. The firm’s integrated service model emphasizes long-term portfolio returns and annual rebalancing within plan lineups chosen by plan sponsors.

Matthew Russell is a financial advisor with Schwab Wealth Advisory Inc. He holds a Series 66 designation and has 18 years of industry experience. Russell has been with Charles Schwab and its affiliated entities since 2011, including nine years specifically with Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice using Schwab’s research tools and standard asset allocation models without exercising discretionary trading authority.

Myra Donovan is a financial advisor with Eagle Strategies (New York Life) based in Denver, CO. She holds a Series 63 designation and has 36 years of industry experience, including longstanding roles at New York Life Insurance Company and Nylife Securities Inc. since 1989 and 1990, respectively. In addition to her advisory work, she is active as an insurance broker appointed with outside carriers for non-registered insurance products. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisors. The firm emphasizes tailored solutions and primarily manages assets on a non-discretionary basis, serving a diverse client base including defined contribution and defined benefit plans, charitable organizations, and corporate entities.

Elizabeth Horner is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She has been with Charles Schwab since 2003 and joined Schwab Wealth Advisory in 2012. She holds the Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as 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 directly charge clients fees.

George Demetrion is a financial advisor at Empower Advisory Group with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has advised Assets Group LLC since 2002. Outside of finance, he owns George Demetrion Photography, specializing in event and portrait photography for nonprofit, pageant, and sporting events. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm offers integrated solutions linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Benjamin Porter is a financial advisor with D.A. Davidson & Co. in Highlands Ranch, CO, holding a Series 66 designation and 11 years of industry experience. He has worked at D.A. Davidson & Co. since 2019 and previously spent four years at Merrill. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for clients with net worth exceeding $20 million, operating under fiduciary standards and incorporating both qualitative and quantitative investment analyses.

Noah Lazaro is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at LPL Financial, Modern Health, Robinhood Financial, and Charles Schwab & Co., Inc. He also has experience as an independent insurance agent and in landscaping. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model and integrates multiple investment strategies through proprietary and third-party platforms.

Spencer Brown is a CFP® professional at Empower Advisory Group with 12 years of industry experience. His prior roles include positions at LPL Financial and BOK Financial Securities, Inc. He is based in Greenwood Village, CO. 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 account holders. The firm’s services emphasize long-term portfolio returns and savings rates, delivered through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Jared Robitaille is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he held roles at Charles Schwab, Dutch Bros, Sodexo USA, and Taco Bell. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering investment recommendations and financial planning through Schwab's research tools and asset allocation models, with final trading decisions made by clients.

Veerapan Perianan is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and three years of industry experience. He has been with Charles Schwab since 2015 and joined Schwab Wealth Advisory in 2025. Outside of his advisory work, he serves on the finance committee for a local Civil Air Patrol cadet squadron and is a board member of the Chartered Alternative Investment Analyst Association’s Rocky Mountain Chapter. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager for most clients.

Trevor Jenson is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with multiple firms including Panorama Management LLC, Mac5 Mortgage, and Dtc Office Partners. Outside of advisory work, he is a partner at Panorama Management LLC, managing rent collections for office properties. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and businesses. The firm employs a model portfolio approach combined with third-party managers and platform sub-advisors, offering services through programs such as Transamerica ONE and TFA365, with approximately $1.7 billion in regulatory assets under management.

Christopher Milinazzo is a CFP® professional with 12 years of industry experience, currently affiliated with Commonwealth Financial Network in Denver, CO. He has worked with Commonwealth since 2019 and has prior experience at HD Vest Insurance Agency and related entities. Outside of his advisory role, he is a co-owner of private investment entities MIL OPS, LLC and MilWealth, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody and clearing services.

Jeremy Glass is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory Inc. He has been with Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2016. Outside of his advisory role, he has involvement in real estate and property management in Avon, Indiana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations utilizing Schwab’s proprietary research tools and model portfolios.

Nikolaus Franklin is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Personal Capital Advisors Corporation for eight years before joining Empower. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates through point-in-time financial plans and optional managed account solutions.

Michael Maguire is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior work includes roles at Fidelity Brokerage Services LLC and Maguire Associates of Virginia. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Seth Guenther is a financial advisor at Beacon Pointe Advisors, LLC in Denver, CO, holding the ChFC® and Series 63 designations with 20 years of industry experience. He previously worked at OppenheimerFunds from 2011 to 2019 before joining Beacon Pointe Advisors. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, employing a manager-driven approach with proprietary due-diligence processes and sponsoring multiple private funds and registered interval funds.

Guy Tomasky is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. He has been with TIAA and TIAA-CREF since 2012. 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 with existing TIAA retirement plan relationships. The firm offers both point-in-time planning services and ongoing portfolio management, operating within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Charles Vigil Jr. is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Empower Advisory Group in 2023, he worked at Personal Capital Advisors Corporation from 2014 to 2023. 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 connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Paul Analovitch is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2012. He has been associated with Charles Schwab & Co., Inc. since 1999. Schwab Wealth Advisory, Inc. 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 financial reviews and investment recommendations while leaving final trading decisions to clients, operating as an internal advisory unit within the Schwab ecosystem.

Daniel Woldu is a CFP® certificant with eight years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Lone Tree, Colorado. His prior experience includes roles at TIAA-CREF Individual & Institutional Services, LLC and the International Rescue Committee. He is also a board member of the Tigray Communities Forum, a nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial planning, investment recommendations, and annual account reviews using Schwab’s proprietary research and asset allocation models.