Brian Fox is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Schwab Wealth Advisory since 2018 and previously spent 17 years at TIAA. Outside of his advisory work, he serves as a soccer referee in Colorado, acting as the final authority on match decisions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and delivers advice based on standardized asset allocation models and Schwab research tools.

Ollie Kirkpatrick is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 1999, including Schwab Private Client Investment Advisory from 2012 to 2022 and Schwab Wealth Advisory since 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual 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 directly charge clients fees, distinguishing its service model from many other enterprise wealth managers.

Cathryn Sandborn is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 certifications and three years of industry experience. Her prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and various positions outside financial services including education work with the Government of Spain and community involvement with The Leukemia & Lymphoma Society. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations using Schwab’s asset allocation models and research tools. Their advisory services are delivered within the Schwab ecosystem, with clients retaining final trading decisions.

Deanna Lewis is a financial advisor with Transamerica Financial Advisors, holding a ChFC® designation and Series 63 and 66 licenses, and has seven years of industry experience. Her career includes roles at Fidelity Brokerage Services, Merrill, Bank of America, and Curi RMB Capital. Transamerica Financial Advisors serves individual investors, retirement plans, trusts, charitable organizations, and corporations with a range of advisory and broker-dealer services, including proprietary model portfolios and access to third-party money managers. The firm operates as both a registered broker-dealer and registered investment adviser, offering discretionary and non-discretionary program options.

Gregory Perkin is a CFP® with 27 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 1998. Outside of his financial advisory role, he is also active as a freelance musician. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates within the Schwab ecosystem, utilizing proprietary research tools and standard asset allocation models while leaving final trading decisions to clients.

Lindsey Kemsley is a financial advisor at Prime Capital Financial with four years of industry experience. She holds a Series 65 designation and has worked previously at Advisor Success Consulting, Buck Wealth Strategies, TownSquare Capital, and Oxford Wealth. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans with a wide range of services including asset management, financial planning, qualified retirement plan sponsor and trustee services, and family office offerings. The firm uses various investment strategies and platforms to manage accounts on both discretionary and non-discretionary bases.

Seth Brunsvold is a CFA® charterholder with 16 years of experience in the financial services industry. He is currently with Empower Advisory Group and previously worked at Charles Schwab 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 certain IRA and retail brokerage clients, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms.

Courtney Nix is a financial advisor at Empower Advisory Group with Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Empower Advisory Group, Courtney worked at Empower Retirement and has a background that includes experience at Whiting-Turner and the University of Colorado, Boulder. 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 emphasizes long-term portfolio returns and client savings rates through point-in-time financial plans and optional managed account solutions.

Paula Porras Gonzalez is a Series 66 licensed financial advisor at Empower Advisory Group with six years of industry experience. She previously worked at TIAA-CREF from 2018 to 2025 before joining Empower in 2026. 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, offering integrated services linked to Empower’s recordkeeping and administrative platforms.

William Childs is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab and its affiliated entities since 2006. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in 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 through standard asset allocation models and research tools, with final trading decisions made by clients.

Jesse Crispe is a financial advisor with Eagle Strategies (NY Life) based in Castle Pines, CO, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been affiliated with Eagle Strategies since 2022 and previously worked with New York Life Insurance and Nylife Securities Inc. since 1994. Crispe also engaged in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individuals, institutional investors, and corporate plans, offering financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis through an integrated New York Life affiliate structure.

Christian Haviland is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including T Rowe Price and Performance Dynamics. Haviland is based in Greenwood Village, Colorado. 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 ties services to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Mark Schweizer is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Outside of his advisory role, he is involved with Schweizer Dairy, Inc., where he acts as Secretary and Treasurer. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Nicholas Keener is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various Charles Schwab entities since 2015. Keener is based in Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Rogelio Hernandez Sandoval is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TIAA-CREF and Public Service Credit Union. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services through an integrated platform connected to Empower’s recordkeeping and administrative systems. The firm’s approach includes point-in-time financial plans and optional managed account solutions tailored to long-term portfolio returns and savings rates.

Richard Martin is a financial advisor at Centaurus Financial, Inc. with six years of industry experience. He holds a Series 66 designation and previously worked at BNP Paribas Securities Corp. and Janus Henderson Distributors. Outside of his advisory role, Martin is a CPA involved in tax return preparation and also assists clients as a mortgage loan originator. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing a mix of discretionary and non-discretionary arrangements.

Michael Meador is a financial advisor at Focus Partners Wealth, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Kovitz Investment Group Partners, LLC, Transform Wealth (formerly Carnick & Kubik Group, LLC), and Sanford C. Bernstein & Co., LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that blends active and passive strategies within an enhanced open architecture framework.

Justin Scalcucci is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at Protective Life Corporation and has been with Charles Schwab & Co., Inc. since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on 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.

Daniel Ferszt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with GWFS Equities Inc / Great West Financial since 2012. 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 services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Melia Baker is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. She has seven years of industry experience and has been with Schwab Wealth Advisory since 2020. Prior to her advisory role, she worked in the restaurant and retail industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s standard asset allocation models and research tools.