James Kramer is a Chartered Financial Consultant (ChFC®) with 28 years of industry experience. He is affiliated with Eagle Strategies (NY Life) since 2014 and also operates Kramer Financial Solutions, which he founded in 2007. Kramer serves on the advisory board of Everest College, providing guidance on student preparation through bi-annual meetings. Eagle Strategies serves a diverse client base including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Allison Hild is a financial advisor at Cresset Asset Management, LLC with 13 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at J.P. Morgan Private Bank for 11 years. Allison serves as an ex-officio board member of Kent Denver School, a private school in Colorado. Cresset Asset Management manages approximately $78.9 billion in client assets, serving individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles. The firm employs a disciplined, risk-aware approach combining strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes, including private equity, private credit, real estate, and digital assets.

Chad Gildig is a financial advisor with Independent Financial Partners in Denver, CO, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked for Wells Fargo Advisors Financial Network LLC for 15 years before joining Independent Financial Partners in 2024. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving a broad client base and features a decentralized model allowing advisors to set individual investment strategies, with notable expertise in retirement-plan advisory and pension consulting.

Mark Nenninger is a financial advisor at Centaurus Financial, Inc. in Denver, CO, holding a Series 66 credential with nine years of industry experience. Prior to joining Centaurus Financial in 2017, he worked at ME Engineers for four years. Outside of his advisory role, Nenninger serves as CEO of Rya Kai Asset Management, a separate non-investment related business. 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 management services, employing both discretionary and non-discretionary arrangements supported by a variety of analytical approaches.

Stephen Kastrul is a financial advisor at Commonwealth Financial Network with 28 years of industry experience. He holds the ChFC® designation and has been with Commonwealth since 2018. Prior to this, he worked at Garden Street Financial Group LLC and Cincinnati Life Insurance Company. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing over $200 billion in client assets. The firm provides comprehensive adviser support including managed-account programs, access to third-party managers, and custody services.

David Hughes is a financial advisor with Eagle Strategies (New York Life) based in Denver, Colorado. He holds Series 63 and Series 66 licenses and has 24 years of industry experience, including long-term tenure with New York Life and its affiliated entities. He serves as a board member of Colorado CollegeInvest, an advisory position related to investment activities. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm delivers tailored advice through various program types, emphasizing fiduciary responsibilities and managing a majority of its assets on a non-discretionary basis within an integrated New York Life structure.

Brent Stevens is a financial advisor with TIAA-CREF in Glendale, CO, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with TIAA-CREF since 2007. Outside of his advisory role, he is involved in managing rental properties and has ownership in an LLC established for short-term rental income through Airbnb. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often servicing clients linked to TIAA-administered employer retirement plans. The firm separates planning services from ongoing portfolio management and serves as advisor to a donor-advised fund, using a mix of model and customized portfolios under a fiduciary standard.

Douglas Miller is a financial advisor at TIAA-CREF with nine years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Regions Bank from 2015 to 2017 before joining TIAA-CREF in 2017. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through various managed account programs and operates as investment adviser to the TIAA Donor Advised Fund.

Kevin Christensen is a financial advisor with Principal Financial Services in Denver, CO, holding the ChFC® designation and Series 66 license. He has 22 years of industry experience, including roles at Principal Life Insurance Company, Waddell & Reed, Inc., and The Standard Insurance Company. Outside of his advisory work, he serves as Membership Committee Chair for the local NAIFA chapter and is a High Councilor for the Church of Jesus Christ of Latter-day Saints. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Sean Koutsakis is a financial advisor at PNC Wealth Management with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at LPL Financial LLC, BMO Bank NA, Bancwest Investment Services, Inc., and Bank of the West. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and invests in mutual funds and ETFs with annual rebalancing.

Melony Harris is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked for Avantax Insurance Agency LLC and Avantax Advisory Services, with a career starting in 1995 when she established Melony J. Harris, CPA. Harris is also the owner of Harris Tax & Wealth Management, PC, where she provides tax preparation, payroll processing, and general accounting services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a comprehensive adviser-support platform with managed-account programs, access to third-party asset managers, and custody and clearing services.

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.

Brendan Morrison is a financial advisor with Eagle Strategies (New York Life) based in Denver, CO, holding Series 63 and Series 66 licenses with six years of industry experience. He has worked with firms including Blue Sky Wealth Group and NYLIFE Securities, and has a background that includes service in the U.S. Army National Guard. Morrison serves on the boards of several nonprofit organizations focused on American Indian and Alaska Native communities and manages professional networking events in Denver. 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 across multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Matthew Michalak is a CFP® professional with five years of industry experience, currently affiliated with Valic Financial Advisors in Lakewood, CO. His prior roles include positions at NorthRock Partners LLC and JPMorgan Chase Bank. Outside of advisory work, he is an agent authorized to sell non-securities insurance products and also works as a delivery driver. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm utilizes discretionary unified managed accounts with Envestnet’s platform and provides tax-aware and impact overlay services.

Alan Beugg is a financial advisor at Focus Partners Wealth, LLC with 28 years of industry experience. He holds a Series 66 designation and has previously worked at Kovitz Investment Group Partners, Ifam Capital, PURSHE KAPLAN STERLING INVESTMENTS, UBS Financial Services, and Citigroup Global Markets. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with a range of wealth management and advisory services. The firm emphasizes long-term, tax- and fee-sensitive portfolio construction using a blend of active and passive strategies within an enhanced open architecture framework.

Brittany Del Favero is a Series 65-licensed financial advisor with Creative Planning, LLC, based in Arvada, Colorado. She has two years of industry experience and has worked previously with Lockton Companies and Westmark Wealth Management. Creative Planning provides investment advisory and financial planning services to a diverse client base including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supplemented by advanced portfolio management techniques and a range of retirement plan services.

Adam Peters is a financial advisor at Allworth Financial, L.P. with 26 years of industry experience. He holds the CFP®, ChFC®, and Series 63 designations. Peters has worked at Hanson McClain Securities and Hanson McClain Advisors since 2014. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies and employs third-party sub-advisers and specialized technology to manage held-away retirement accounts.

Lucas Bisbee is a financial advisor at Eagle Strategies (NY Life) in Denver, CO, with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Eagle Strategies since 2023. Prior to his advisory career, Bisbee was involved in ice hockey officiating, contracting as an on-ice official with the American Hockey League and the National Collegiate Hockey Conference. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers tailored solutions across multiple program types and manages a substantial asset base predominantly on a non-discretionary basis.

Marques Brewer is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA since 2012. 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. The firm serves clients often connected through TIAA-administered employer retirement plans and offers a range of managed account options alongside affiliated trust and donor-advised fund services.

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.