Cindy Luckritz is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been with Schwab Wealth Advisory since 2012 and has been affiliated with Charles Schwab since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Michael Russo is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 63 and Series 65 designations and two years of industry experience. His work history includes roles at WFGIA and IC Advisory Services, Inc., as well as a long tenure at United Airlines. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, and charitable organizations. The firm offers both advisory and broker-dealer services with a variety of fee-based and commission-based investment programs and uses a combination of proprietary and third-party model portfolios.

Jennifer Pena is a Certified Financial Planner (CFP®) with 11 years of industry experience. She is currently affiliated with Kestra Advisory and serves as Co-President of Pursuit Wealth Planning. Her prior experience includes roles at Sagepoint Financial and Comprehensive Financial Services. Pena is involved in firm management activities through Pursuit, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, benchmarking, and employee education, and manages approximately $79.8 billion in assets with a focus on institutional investors.

Andrew Albers is a financial advisor at Principal Financial Services with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Principal Bank and Principal Trust Company, Principal Securities, Inc., and Principal Life Insurance Company since 2023, following prior roles at Cambridge Investment Research Advisors, Inc. and Valenta Capital Management. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Ryan Hill is a CFA® charterholder with four years of industry experience. He has worked at Wells Fargo Investment Institute, Inc. since 2021 and was previously employed at Wells Fargo from 2008 to 2021. He is based in Denver, CO. Wells Fargo Investment Institute provides institutional research, manager due diligence, model portfolio construction, and asset-allocation guidance to Wells Fargo wealth and fiduciary businesses as well as select external clients. The firm’s work is organized across specialized divisions that produce research and model guidance without exercising investment discretion or holding custody of client assets.

David Evans is a CFP® professional with 17 years of experience in the financial services industry. He currently works at Empower Advisory Group and has previously held roles at Personal Capital Advisors Corporation, E*TRADE Securities LLC, and Scottrade Inc. 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 certain retail brokerage clients. The firm’s services feature a “point-in-time” planning approach focused on long-term portfolio returns and annual rebalancing, delivered through a model integrated with Empower’s recordkeeping and administrative platforms.

Shane Dunican is a CFP® at Moneta Group Investment Advisors, LLC with six years of industry experience. He has held positions at RKFin and Team Hewins prior to joining Moneta. Outside of finance, he was involved with Take Charge Cats and spent time at the University of Arizona. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, providing a range of portfolio management, financial planning, and family office services. The firm utilizes a partner-led team structure and an open-architecture investment process that emphasizes asset allocation and manager due diligence.

Michael Holliger is a financial advisor with Independent Financial Partners and holds Series 63 and Series 66 licenses. He has 27 years of industry experience, including positions at Fidelity Investments and LPL Financial. Holliger is also involved with Holliger Financial Consultants, a financial advisory and investment management business. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform with a focus on retirement-plan advisory and pension consulting, offering both discretionary and non-discretionary investment management options.

Eric Saunders is a Certified Financial Planner (CFP®) with 20 years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2015 and previously held roles at J.P. Morgan Securities, Chase Investment Services Corp., and Wells Fargo Investments. Schwab Wealth Advisory, Inc. provides fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm focuses on non-discretionary guidance based on Charles Schwab & Co.’s asset-allocation models and internal research, with investments executed only upon client authorization.

Duncan Macdougall is a CFP® with four years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. in Denver, CO. His prior work experience includes roles at First National Bank of Omaha, the University of Colorado Bookstore, Zepheira, and the University of Colorado. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with strategic use of low-cost index vehicles and tax management.

Jack Chase is a financial advisor at Empower Advisory Group with Series 63 and Series 65 licenses and one year of industry experience. He has worked at Empower Financial Services and held prior roles at EXDO Properties, SciLogis, Cushman and Wakefield, Pepperdine University, and Oak Park High School. 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 are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and savings rates rather than short-term forecasts.

Marc Macaluso is a financial advisor with Bankers Life Advisory Services, Inc. in Denver, CO, holding Series 63 and Series 65 licenses and having 15 years of industry experience. He has been with Bankers Life Advisory Services since 2017 and also serves as an insurance agent for Bankers Life & Casualty, specializing in Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients’ goals and risk tolerances.

Jason Halko is a CFP® with 21 years of industry experience currently with Mercer Global Advisors Inc. He previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab and Co., Inc. for nearly two decades. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory, financial, tax, retirement, and estate planning services. The firm employs a globally diversified, risk-appropriate investment approach using low-cost ETFs, index funds, separate account managers, and various specialized programs.

Todd Miller is a financial advisor with Eagle Strategies (NY Life) in Denver, CO, holding Series 63 and Series 66 licenses and has 10 years of industry experience. He has worked with NYLIFE Securities and New York Life Insurance since 2016 and currently operates Greenstone Financial LLC. Miller serves on the board of directors for the National Association of Insurance and Financial Advisors (NAIFA) in Colorado. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers tailored advice through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jacob Johnson is a financial advisor with Empower Advisory Group in Greenwood Village, CO. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His prior roles include positions at Great West, Bank of the West, Scottrade Inc, Four Seasons Resorts, and Pizza Hut. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning services.

William Reynolds is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Castle Pines, Colorado, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 37 years of industry experience and has been with Equity Services and National Life Group since 2015. Outside of his advisory work, Reynolds is an insurance agent for several companies and serves as a director for Nationwide Recruiters, Inc., which focuses on real estate and recruiting. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and combines long-term strategies with options for shorter-term trading.

Karen Mcgrath is a financial advisor at Empower Advisory Group with 21 years of industry experience. She holds a Series 66 designation and has worked at Gwfs Equities, Inc. since 2012. Empower Advisory Group provides financial planning and investment management services 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 integrated approach combines planning with recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Sarah Robertson is a financial advisor with Benjamin F. Edwards & Company, Inc., holding a Series 66 designation and four years of industry experience. Prior to joining Benjamin F. Edwards, she worked at Ovintiv Services Inc. and Crestone Peak Resources. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, corporations, and other institutions. The firm offers a range of fee-based wrap programs and investment management services, utilizing strategies managed internally, by its advisors, and through third-party managers.

Austin Hamlett is a financial advisor with Bankers Life Advisory Services, Inc. in Denver, CO, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create tailored portfolios aligned with clients’ goals and risk tolerances.

Cameron Kawato is a financial advisor with Principal Financial Services holding a Series 66 designation and based in Denver, CO. He has legal experience from working at several law firms and legal organizations, including Anzen Legal Group, LLC, and the Court of Appeals of Virginia. Outside of finance, he has been involved in legal practice for over five years. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm’s advisory approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager solutions through various advisory and promoter arrangements.