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.

Thomas Moore II is a financial advisor at SPC with 21 years of industry experience and holds a Series 66 designation. He has worked at SPC since 2011 and at Parkland Securities, LLC since 2014. Moore also serves as an independent agent appointed with various insurance companies for fixed insurance. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisers managing approximately $5.66 billion in assets.

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.

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.

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.

Steven Wheeler is a financial advisor with Eagle Strategies (NY Life) based in Denver, Colorado. He holds Series 65 and Series 63 licenses and has one year of industry experience. His previous work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, Bluegreen Vacations, and Stratos Global. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers, emphasizing tailored recommendations and predominantly managing assets on a non-discretionary basis.

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.

Brendan Wise is a financial advisor at Creative Planning with five years of industry experience. He holds a Series 65 credential and has worked at firms including UBS Financial Services, RBC Wealth Management, and CliftonLarsonAllen Wealth Advisors. Outside of his advisory role, he serves as a rink director for a hockey facility in St. Louis Park, MN. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, foundations, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, tax-loss harvesting, and selective private market exposure.

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.

Luke Wood is a financial advisor at Beacon Pointe Advisors, LLC with a Series 65 credential and one year of industry experience. Prior to joining Beacon Pointe, he worked at Verus Specialty Insurance and Axiom Wealth Alliance. Outside of his advisory role, he is involved with Legends Baseball. Beacon Pointe Advisors provides wealth advisory, financial planning, retirement-plan platform services, and outsourced chief investment officer solutions to a diverse client base including individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers, employing both active and passive strategies across public and private assets.

Douglas Davis is a financial advisor with Empower Advisory Group, holding Series 63, Series 65, and Series 66 licenses and bringing 25 years of industry experience. He has worked at GWFS Equities, Inc. since 2013 and Northstar Realty Securities since 2012. 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 an integrated service model connected to Empower’s recordkeeping and administrative platforms, featuring point-in-time financial plans and optional managed account solutions.