Mark Phillips is a financial advisor with Eagle Strategies (New York Life) and holds the Chartered Financial Consultant (ChFC®) designation along with a Series 63 license. He has 44 years of industry experience, including over 30 years at New York Life and Nylife Securities Inc., as well as more than 35 years with Business Men's Assurance. He is also a 7% owner of a family farm, Phillips Farm Inc., which is unrelated to his financial advisory work. Eagle Strategies serves a diverse client base, including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

Stephen Gannon is a CFP® professional with 27 years of experience in the financial industry. He is currently with Empower Advisory Group and has previously worked at Personal Capital Advisors Corporation, Fifth Third Securities, and SunTrust. 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.

Anthony Montoya is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Gwfs Equities, Inc. since 2016. Montoya also operates The Montoya Agency and has affiliations with Allstate Insurance Company and the National Guard. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage clients. The firm’s integrated model combines proprietary and third-party methodologies with services linked to Empower’s recordkeeping and administrative platforms.

Michael Geraghty Jr. is a financial advisor at Empower Advisory Group with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at GWFS Equities Inc., Fidelity Investments, and Fidelity Personal and Workplace Advisors. 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, annual rebalancing, and clients’ savings rates.

Jeffrey Southern is a CFP® and CFA® with three years of industry experience, currently serving as a financial advisor at Kestra Advisory in Denver, CO. Prior to joining Kestra, he worked at Charles Schwab for five years and was affiliated with Colorado State University for four years. Outside of his advisory role, Jeffrey is the owner of Grayson Capital LLC, a company focused on assisting landlords with property management tasks. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers a range of services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, managing approximately $79.8 billion in assets.

Patrick Kelly is a financial advisor at SPC with 41 years of industry experience. He has held positions at SPC since 2008 and previously worked at Sigma Financial Corporation from 2008 to 2020. Kelly holds Series 63 and Series 66 licenses and serves as a financial secretary on the board of the Ancient Order of Hibernians in Highlands Ranch, Colorado. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisors and manages approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services with a focus on discretionary management and client suitability.

David Hoover is a CFP® and CFA® charterholder with 12 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2015, including roles at Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory. Prior to this, he was with WNB Financial for one year. Schwab Wealth Advisory, Inc. 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. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Sean French is a financial advisor at TIAA-CREF with seven years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His work history includes multiple roles within TIAA and TIAA-CREF since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm separates one-time planning services from ongoing portfolio management and acts as adviser to a donor-advised fund while operating within a vertically integrated group.

Raena Sword is a financial advisor at Empower Advisory Group with four years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Progressive Insurance. Outside of her advisory role, she is a licensed barber, providing barbering services on a part-time basis. Empower Advisory Group offers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail clients. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing, delivering services through an integrated platform connected to Empower’s recordkeeping and administrative systems.

Patricia Ellerby is a financial advisor at TIAA-CREF with 27 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior experience includes positions with LPL Financial Corporation, First Interstate Bank, Great Western Investments and Insurance, Raymond James Financial Services, and Cetera Investment Services. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division 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-administered retirement plan relationships.

Jenifer Velasco is a financial advisor at Empower Advisory Group with five years of industry experience. She holds Series 63 and Series 66 credentials. Her prior experience includes roles at Accenture Philippines, Principal Securities Inc, Principal Life Insurance Company, and E*TRADE Securities LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing within employer-selected plan lineups.

Salko Sipic is a CFP® professional with three years of industry experience, currently serving at Schwab Wealth Advisory. His prior roles include positions at TIAA and First Western Trust Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering clients financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm utilizes Schwab’s asset allocation models and research tools and does not exercise discretionary trading authority.

Riley Lowe is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and five years of industry experience. Prior to joining Empower Advisory Group, Riley worked at Fidelity Personal And Workplace Advisors and J.P. Morgan Securities. 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 emphasizes long-term portfolio returns and savings rates in its financial planning, serving a large participant base relative to its advisor headcount.

Jonathan Fritsche is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds the Series 66 designation and has worked within the Schwab organization since 2009, including roles at Charles Schwab Bank, SSB, and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations, with final trading decisions made by clients.

Jessica Gerdes is a financial advisor at Empower Advisory Group with 21 years of industry experience. She has held roles at TIAA and TIAA-CREF for 13 years before joining Empower Advisory Group and Empower Financial Services in 2024. Gerdes holds a Series 66 designation. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail clients. The firm’s services are closely integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns alongside client savings rates.

John Schweitzer Jr. is a financial advisor with Eagle Strategies (New York Life) based in Denver, CO, holding Series 63 and 65 licenses and bringing 13 years of industry experience. His prior roles include positions at TD Ameritrade and Scottrade. Outside of his advisory work, he is a fiction writer. Eagle Strategies serves a diverse client base including individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services with an emphasis on tailored recommendations and a largely non-discretionary asset management approach.

Devin Heitman is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab & Co., Inc., Nuveen, A TIAA Company, and TIAA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through its Schwab Wealth Advisory program, offering clients 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 directly charge clients fees, distinguishing its approach from many other wealth managers.

Kimberly Gieseler is a CFP® professional with 23 years of industry experience, currently serving as an investment advisory representative at CWM, LLC. She has held roles at multiple financial services firms, including Carson Group Partners and Cetera Wealth Services, and is a co-founder of Valorem Financial. Outside of her advisory work, she serves as Vice Chair of the Outdoor Lab Foundation, a nonprofit focused on environmental and civic education for students. CWM, LLC is an SEC-registered investment adviser that provides portfolio management, financial planning, and retirement-plan services to a diverse client base, including individuals, families, foundations, and institutions. The firm employs discretionary management using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customized investment solutions.

Robert Hainlen is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at firms including J.P. Morgan Securities, First Interstate Bank, and Great Western Bank. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, offering services integrated with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and rebalancing within plan lineups selected by sponsors.

Blake Lazear is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 2007, including nine years at Charles Schwab Bank. Lazear is a silent owner and CFO of a family-owned computer knit products business but is not involved in its operations. 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 based on Schwab’s research tools and asset allocation models.