Aaron La Point is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab since 1999 and joined Schwab Wealth Advisory in 2012. Outside of his advisory role, he is a part owner of a healthcare services business in Greenwood Village, Colorado, where he contributes on a limited basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority.

Jared Hoffman is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He has held roles at Charles Schwab since 2016 and at Schwab Wealth Advisory Inc. since 2017. Prior to his financial services career, he worked at Waterway Gas & Wash Co. for 16 years. Schwab Wealth Advisory, Inc. 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 research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Barbara Budny is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and bringing 38 years of industry experience. She previously worked at UBS Financial Services from 2013 to 2017. Budny is co-owner and Chief Administrative Officer of Graziano Budny Wealth Management Group, LLC. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, and compliance services.

Jayme Cross is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. Prior to this, Jayme worked for TIAA and TIAA-CREF for 17 years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations using 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, distinguishing its approach from many enterprise wealth managers.

Austin York is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 65 and Series 63 licenses and seven years of industry experience. His prior experience includes roles at Personal Capital Advisors Corporation and TD Ameritrade. 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 offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long‑term portfolio returns and client savings rates.

Stefan Azcarate is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. He has previously worked at Charles Schwab and JPMorgan Chase, among other positions. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using 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 itself from many other enterprise wealth managers.

Sean Whalen is a financial advisor with Empower Advisory Group holding Series 66 and Series 63 licenses and one year of industry experience. He has worked at Empower Retirement since 2022 and previously held various roles in education, private security, and customer service. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its planning approach.

Nassiratou Chabi is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 designations and four years of industry experience. She has worked at several firms, including Charles Schwab & Co., Inc., Nordstrom Bank, and Catholic Charities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools, with advisors recommending investments while clients retain final trading decisions.

Nathan Schroeder is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Compass Inc, Transamerica Financial Advisors, and World Financial Group, and is also involved in real estate as an associate broker with Colorado Home Realty. Additionally, he co-owns Money Mailbox, LLC, which provides real estate education, and has been engaged in project management of leadership communications through Futurealign Incorporated since 2014. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm delivers advisory services primarily through model portfolios and third-party managers, supported by multiple program platforms such as Transamerica ONE and TFA365.

Randall Sims is a CFA® charterholder with 24 years of industry experience, currently serving at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Sims was previously owner of a construction business, Master Restorations Limited, which is no longer active. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, distinguishing itself by not charging clients directly and by its specific service model.

Ryan Wargo is a financial advisor at Empower Advisory Group with two years of industry experience. He holds a Series 65 designation and has worked at firms including Personal Capital Advisors Corporation and JP Morgan Chase. Prior to his advisory roles, he held positions at Apex Companies LLC and the City of Fort Collins. 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, offering both point-in-time financial plans and optional managed account solutions.

Michael Beck is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior work includes roles at Charles Schwab, TIAA, and Fidelity Brokerage Services. He is also an independent real estate agent working outside of the investment industry. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice and investment education focused on asset allocation, contribution rates, and retirement timing. The firm uses proprietary tools from Morningstar Investment Management and operates at scale with a high client-to-advisor ratio, offering primarily non-discretionary investment services.

Kevne Sharpe is a CFP® professional with 37 years of industry experience, currently serving at Mariner Wealth Advisors since 2022. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Presidential Brokerage, Northern Lights Distributors, Toews Corporation, and A & I Wealth Management. Mariner serves a diverse client base including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm combines in-house research with third-party managers to deliver customized, discretionary portfolios and maintains a notable integration of tax and accounting services alongside traditional portfolio management.

Cody Meeks is a financial advisor with AE Wealth Management, LLC, holding a Series 65 designation and nine years of industry experience. He has been with AE Wealth Management since 2017 and is also the managing principal of Financial Integrity, LLC, where he is involved in insurance sales and services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services such as model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform-centered approach that combines internally managed and third-party models.

Lana St.John is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 35 years of industry experience. She has been with Charles Schwab since 1991 and with Schwab Wealth Advisory since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, serving retail clients without discretionary trading authority.

Brayan Fernandez Montenegro is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 66 and Series 63 licenses and has been with Schwab Wealth Advisory since 2026, following work at Charles Schwab & Co., Inc. Since joining Schwab Wealth Advisory, Brayan has been involved in providing fiduciary investment advice within the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, serving clients with 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 and conducting at least annual account reviews.

Erik Anderson is a Certified Financial Planner® with 18 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and has previously worked at Ryan Financial Inc and LPL Financial. Outside of advisory services, he holds a 25% ownership stake in ALE Restaurants, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base, including individuals, trusts, charities, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active managers, supported by quantitative and fundamental research, and offers a range of financial planning and asset management services.

Matthew Cawley is a financial advisor at TLG Advisors, Inc. with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Eide Bailly Advisors, LLC, Mutual of Omaha, and Lincoln Park Capital LLC. Outside of his advisory work, he serves as a head coach for boys high school lacrosse. TLG Advisors, Inc. serves a broad client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and ongoing monitoring using fundamental analysis and Modern Portfolio Theory to build diversified portfolios, with services ranging from comprehensive financial planning to investment fiduciary services for ERISA-qualified retirement plans.

Frederick Taylor is a financial advisor at Beacon Pointe Advisors, LLC in Denver, CO, holding Series 63 and Series 65 licenses with 27 years of industry experience. He previously worked for Northstar Investment Advisors, LLC for 26 years before joining Beacon Pointe in 2021. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individual and institutional investors. The firm employs a manager-driven investment approach, utilizing third-party independent managers selected through a formal due-diligence process and supported by platforms like Envestnet UMA.

Jacqueline Debenedictis is a Series 66 licensed financial advisor with 17 years of industry experience, currently with Kestra Advisory since 2019. She also holds roles at The Browning Group II, Inc., where she serves as Chief Operating Officer and Junior Adviser, focusing on client support and financial planning rather than product sales. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers a range of services from fiduciary oversight to plan design and utilizes multiple management platforms, serving large investors such as sovereign wealth funds.