Jason Williams is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory Inc. since 2012. 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 and planning discussions, and investment recommendations across various asset classes. The firm utilizes Schwab’s asset allocation models and research tools to support its advice, with final trading decisions made by clients and no discretionary trading authority exercised by the advisory team.

Melanie Tumis is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and six years of industry experience. Her work history includes roles at Empower Retirement, Osaic Wealth Inc., Charles Schwab & Co., Inc., Schwab Private Client Investment Advisory, Inc., and TD Ameritrade, interspersed with periods as a homemaker. 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 certain retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Barbara Krause is a CFP® with 20 years of industry experience and holds Series 65 and Series 66 licenses. She has worked at Hightower Advisors since 2021 and previously spent six years at Investment Security Group, Inc. She is based in Denver, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and pooled investment vehicles. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, proprietary research, and a range of investment vehicles.

David Reyes Suarez is a CFP® with over four years of experience in the financial services industry. He is currently with Empower Advisory Group and has previously worked at GWFS Equities, Inc. and BBVA Colombia. 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 certain retail brokerage account holders. The firm offers an integrated service model connected with its recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Samuel Dechtman is a CFP® professional with 13 years of experience in the financial services industry. He has held roles at Hightower Advisors since 2025 and previously led Dechtman Wealth Management, LLC for five years. He also worked at Securities America and Nuveen Investments earlier in his career. Outside of his advisory work, he is an Independent Insurance Agent. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and trusts. The firm emphasizes multi-manager solutions, manager selection, and uses both affiliated and third-party managers along with proprietary research to construct portfolios that incorporate a range of investment vehicles and strategies.

Bruce Gruenberg is a financial advisor with Schwab Wealth Advisory Inc. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has been affiliated with Charles Schwab since 1999. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm uses standardized asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Ian Rothrock is a financial advisor at PlanMember Securities Corporation with seven years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at TIAA-CREF Individual & Institutional Services and LPL Financial LLC. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework to manage unitized, risk-based mutual fund portfolios and offers education and support services including seminars and personalized retirement planning.

Brannon Hertel is a financial advisor at SPC with 18 years of industry experience. He holds a Series 66 designation and has worked at SPC since 2017, with prior experience at National Planning Corporation. Hertel is also the sole member of Integrated Financial Design, LLC, and operates Hertel Financial, offering financial planning services. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a large network of advisers.

Kimberly Curtis is a financial advisor at Cerity Partners LLC with 26 years of industry experience. She holds the CFP® and ChFC® designations and previously worked for Wealth Legacy Institute, Inc. for 17 years before joining Cerity Partners in 2024. Cerity Partners is an SEC-registered investment adviser serving a diverse client base, including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with an emphasis on customized, diversified asset allocation.

Miranda Mc Hugh is a financial advisor at Empower Advisory Group with 14 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at TIAA and TIAA-CREF for 14 years before joining Empower in 2025. Outside of her advisory work, she volunteers with the Warder Elementary School PTA Fundraising Committee. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services through Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach while serving a large participant base relative to its advisor headcount.

Gilad Halzel is a CFP® and holds a Series 65 license, currently serving as a financial advisor at Mariner with three years of industry experience. Before joining Mariner, he worked in events planning and catering as well as at Valley Country Club. Mariner serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm employs discretionary, customized portfolio strategies overseen by an Investment Committee and supported by in-house research combined with third-party manager allocations.

Chetana Munnangi is a CFP® certificant with three years of industry experience, currently serving at Schwab Wealth Advisory. She has worked at Charles Schwab since 2023 and previously held various roles in healthcare and rehabilitation services. In addition to her advisory work, she provides physical therapy services on a PRN basis at the Life Care Center of Stonegate. Schwab Wealth Advisory offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, providing financial reviews, retirement planning, and investment recommendations based on Schwab’s proprietary research tools. The firm operates within the Schwab ecosystem and focuses on client-directed trading without exercising discretionary authority.

Jomer Salvo is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds a Series 66 designation and has been with Empower Advisory Group and Empower Financial Services since 2026. His prior experience includes roles at Infosys BPM, Iqor, and Genpact LLC. 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 focus on long-term portfolio returns and client savings rates.

Jeremy Fortin is a financial advisor at Osaic Advisory Services, LLC with 13 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Triad Advisors, Parkland Securities, and Securian Financial Services. Fortin is the owner of an LLC that assists accounting firms with building and testing Excel models for divorce-related cases. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and government entities. The firm offers a range of services including investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple program models and a combination of proprietary and third-party platforms.

Jon Feigitsch is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and bringing 17 years of industry experience. His prior work includes roles at TIAA-CREF Individual and Institutional Services and Charles Schwab & Co., Inc. He is based in Greenwood Village, Colorado. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering integrated financial planning and investment management services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its planning, supporting a large client base relative to its advisor headcount.

Mikhail Vosk is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. His career includes roles at GWFS Equities, Mercy Housing, TD Ameritrade, and Northstar Securities. Outside of advising, he is also a licensed real estate broker associate involved in property transactions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated platform that includes point-in-time financial plans and optional managed accounts.

Michael Neil is a financial advisor with TIAA-CREF in Littleton, Colorado, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has been with TIAA-CREF since 2006. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, including customized and model portfolio options, and acts as adviser to a donor-advised fund.

Angela Wiggins is a financial advisor at Empower Advisory Group with Series 63 and Series 66 licenses and three years of industry experience. Before joining Empower Advisory Group, she worked at US BANK and Professional Assist Corporation. 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, using an integrated service model connected to Empower’s recordkeeping and administrative platforms.

James Malm is a CFP® professional with seven years of industry experience currently serving at Schwab Wealth Advisory. His prior roles include positions at T. Rowe Price and First Command Financial Services. 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 standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many enterprise wealth managers.

Gretchen Mc Laughlin is a financial advisor with Allworth Financial, L.P., holding Series 63, 65, and 66 credentials and 15 years of industry experience. Her prior roles include positions at Wealth Enhancement Advisory Services, RMB Capital Management, Wells Fargo, and UBS Financial Services. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm uses customized portfolios and a range of strategies, including defined-outcome ETFs and options-based overlays, and employs third-party sub-advisers when appropriate.