Cole Mc Kinney is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles within Charles Schwab and Broadridge Business Process Outsourcing. Outside of his advisory work, he owns and manages a rental property business through Photon Holdings, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s research tools and standard asset allocation models to support investment decisions.

Ma Eva Cutura is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. Prior to joining Empower, she worked at Infosys BPM Limited and Concentrix Philippines. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, using an integrated model that aligns with Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates in its point-in-time financial plans.

Courtney Burrell is a financial advisor at Empower Advisory Group with 11 years of industry experience. She holds a Series 66 designation and has worked at firms including Personal Capital Advisors Corporation and Mass Mutual Investors Services. Outside of her advisory role, she is involved in life coaching, focusing on life and money mindset coaching without providing financial advice. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain retail brokerage account holders. The firm operates through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Melissa Fisher is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and 11 years of industry experience. Her prior roles include positions at Fidelity Investments, Northwestern Mutual Investment Services LLC, and Douglas Dawson. Outside of her advisory work, she is a wellness advocate with doTERRA International LLC, supporting essential oil education within her team. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and integrated services tied to Empower’s administrative platforms.

Marsha Nuttall is a financial advisor at CWM, LLC with 16 years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Carson Wealth, DMK Advisor Group, Inc., and Aveo Capital Partners, LLC. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools.

Charles Guy Jr. is a financial advisor at Empower Advisory Group with 19 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Personal Capital Advisors Corporation and Charles Schwab. 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 retail brokerage clients. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions within plan lineups selected by plan sponsors.

Nicholas Broetzman is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020 and associated with Charles Schwab since 2013. He also has experience as a FINRA arbitrator, resolving securities-related disputes on a contract basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools while clients retain final trading decisions.

Andrew Wiebelhaus is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2019. He has worked at Charles Schwab & Co., Inc. since 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s standard asset allocation models and research tools to deliver annual financial reviews and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Jeff Shafer is a financial advisor at Private Advisor Group, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked with firms including Lincoln Financial Advisors Corporation and LPL Financial LLC. Shafer is also involved in selling life, long-term care, and disability insurance through a separate business activity. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing various investment strategies and technology platforms while offering access to both proprietary and third-party managed account solutions.

Jack Greenagel is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab since 2008. Outside of advising, Greenagel is involved as a geologist for a chemicals company and serves as CEO and President of a rental services LLC. 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 proprietary tools and models.

Kevin Bodkin is a financial advisor with PNC Wealth Management in Littleton, Colorado, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing, BOK Financial Securities, and LPS Capital. He serves as a board member for the Metropolitan Loft Homeowners Association in Denver. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an employee-only digital offering that uses algorithm-driven risk assessments and implements investments via approved model strategies with mutual funds and ETFs.

Joseph Couillard is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2018. Prior to joining Schwab Wealth Advisory in 2022, he held positions at Geary Pacific Supply and McNichols Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations utilizing Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Eric Berndt is a CFP® with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2014. He also holds a Series 66 designation and is based in Parker, CO. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual 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 based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Peter Lush is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with T. Rowe Price since 2012. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, offering planning supported by an online tool and telephone access to advisors.

Bailey Scheffe is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory since 2021 and Charles Schwab & Co., Inc. since 2018. Prior to his advisory roles, he worked at Beau Jo's Pizza and CSU Online. 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 across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, while leaving final trading decisions to clients.

Patrick Henderson is a financial advisor at CWM, LLC with 25 years of industry experience. He holds a Series 66 designation and has held prior roles at Aveo Capital Partners and DMK Advisors. Henderson is also a partner and sole member of several private wealth and investment entities based in Englewood, Colorado. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm employs a discretionary management approach using model portfolios, combining fundamental and technical analysis, third-party sub-advisors, and customization tools.

Jay Cheney is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has worked within the Charles Schwab organization since 2016. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with advisors recommending allocations while clients retain final trading decisions.

Leon Ramirez is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Empower Advisory Group, he worked at Bellco Credit Union for nine years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with retail brokerage account holders. The firm emphasizes long-term portfolio returns and annual rebalancing within an integrated model tied to Empower’s recordkeeping and administrative platforms.

William Floros is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds the Series 66 designation and has worked previously at Personal Capital Advisors Corporation, LPL Financial, LLC, and Morgan Stanley. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm offers integrated services linked to its recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Stephen Bauer is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 66 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has prior experience at Charles Schwab. 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 primarily delivered through Schwab’s standard asset allocation models and research tools.