Matthew Vibert is a CFA® charterholder with nine years of industry experience. He is currently with Empower Advisory Group and has previously worked at Personal Capital and Janus Management Holdings Corp. 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 clients. The firm integrates its services with affiliated Empower entities’ recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and client savings rates in its planning approach.

Jordan Dechtman is a financial advisor at Hightower Advisors with 36 years of industry experience. He holds a Series 63 designation and previously worked at PURSHE KAPLAN STERLING INVESTMENTS, Inc., Dechtman Wealth Management, LLC, and Securities America Advisors, Inc. Outside of his advisory role, he is a part owner of Dtown Fitness, LLC, a fitness business based in Centennial, CO. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a manager selection approach with both affiliated and third-party managers. The firm’s services include discretionary portfolio management, financial planning, and retirement consulting, supported by proprietary research and a variety of investment options including mutual funds, ETFs, and alternative investments.

John Everett is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has 22 years of industry experience, including eight years at Charles Schwab and Schwab Wealth Advisory, and five years with Janus Management Holdings Corp and Janus Distributors LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s standard asset allocation models and research tools to deliver investment recommendations, while clients retain final trading decisions.

Eric Labay is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory. He has been with Charles Schwab and its affiliated entities since 1999. Labay also serves in the US Army Reserves, holding the rank of retired captain in the 88th Readiness Division. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions rather than discretionary management.

Matthew Collins is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and has worked at Charles Schwab in various capacities since 2018. Prior to his financial career, he worked at Red Lobster for five years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Agnieszka Skolik is a CFP® and Series 66 licensed financial advisor with Schwab Wealth Advisory in Lone Tree, CO, with 10 years of industry experience. She has been with Schwab Wealth Advisory Inc and Charles Schwab since 2016. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as 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 charge clients directly for advisory services.

Eddie Holguin Sosa is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes roles at Empower Financial Services, TIAA-CREF, Robinhood Markets, GWFS Equities, Westerra Credit Union, and Bank of the West. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms.

Daniel Moore is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 registrations and 14 years of industry experience. He has been advising clients at Advised Assets Group, LLC since 2014. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Richard Simms is a financial advisor with Kestra Advisory who holds the PFS™ credential and has four years of industry experience. He has been associated with Kestra Advisory Services LLC since 2011 and also operates Richard S. Simms PC, which has been in existence since 1985. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers fiduciary services, plan-level investment advice, employee education, and pooled plan solutions, serving a diverse client base that includes large institutional investors such as sovereign wealth funds.

Roger Pierce is a financial advisor at Farther with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at HPCA Services Group LLC, Dwpm LLC, and First Financial Equity Corporation. Pierce also operates under the name Harmony Private Client Advisers. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform and direct meetings. The firm employs a Modern Portfolio Theory-based investment approach using bespoke and algorithmic model portfolios, focusing on ETFs, mutual funds, individual equities, and fixed income.

Ruel Borromeo is a financial advisor at Empower Advisory Group with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Empower, he worked in various roles across multiple companies including Infosys BPM Limited and IntouchCX. 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 select retail brokerage clients. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Clayton Thomas is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. His prior roles include positions at BBVA Compass Insurance Agency, Bbva Securities Inc., Bbva Wealth Solutions Inc., and COMPASS Bank, where he worked for extensive periods before joining PNC in 2021. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account available to employees. The firm uses algorithm-driven portfolio selection and delegates portfolio implementation to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Eric Haberkorn is a Certified Financial Planner (CFP®) with 24 years of industry experience. He has worked at Mariner Wealth Advisors since 2018 and previously held positions at TIAA-CREF and Charles Schwab. Mariner Wealth Advisors serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, and retirement plan consulting. The firm employs customized, discretionary portfolios supported by an internal investment committee and offers integrated tax services and administrative family office capabilities uncommon for a firm of its size.

Scott Branish is a financial advisor with PNC Wealth Management in Castle Pines, Colorado, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining PNC, he worked with several mortgage and financial services firms, including Lifemark Securities Corp and Front Range Financial. He is also a part owner of Branish Holdings LLP, a family business involved in property management. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that utilizes approved strategies implemented via mutual funds and ETFs, with a focus on algorithm-driven risk assessment and annual rebalancing.

Michael Rabbitt is a financial advisor at Creative Planning with 20 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has been with Creative Planning since 2010. Outside of his advisory role, he owns rental property in Denver, Colorado. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

Jennifer Nelson is a financial advisor with Kestra Advisory, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has worked at Kestra Advisory and affiliated firms since 2020 and previously spent seven years at Sagepoint Financial. Nelson is the owner and principal of Pursuit Wealth Planning, where she manages operations and human resources alongside her advisory role. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional clients, and individuals. The firm offers services including fiduciary consulting, plan design, compliance testing, and employee education, serving a diverse client base that includes large institutional investors.

Susan Buford is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 licenses and over 34 years of industry experience. She previously worked at Charles Schwab & Co., Inc. for 13 years and has been with Wealth Enhancement firms since 2024. Buford also provides administrative support to Wealth Enhancement Advisory Services as part of a registered investment advisor hybrid business. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and research that targets factor premiums such as value and momentum.

Marc Wheeler is a financial advisor with Centaurus Financial, Inc. in Highlands Ranch, CO, holding Series 65 and Series 63 credentials with 14 years of industry experience. He has worked at Centaurus Financial since 2012 and is also involved in several other ventures, including a marketing director role at Charter Financial Resources and service technician work in HVAC for close friends and family. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, and institutions, offering financial planning, portfolio management, and specialized retirement-plan consulting with both discretionary and non-discretionary arrangements.

Ryan Seifert is a financial advisor at Creative Planning with a Series 65 designation and three years of industry experience. His prior roles include positions at Wipfli Financial Advisors, BP, and SVA Plumb. 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 assets and offers a financial planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, supplemented by tax-efficient and fundamental equity options.

Broc Taylor is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked with GWFS Equities, Inc. since 2014 and has been associated with J.P. Morgan Institutional Investments Inc. and J.P. Morgan Retirement Plan Services LLC since 2008. 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 account holders. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and integration with Empower’s recordkeeping and administrative platforms.