Sarah Pham is a CFP® and ChFC® with 15 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. She has previously worked at firms including Lido Advisors, U.S. Bancorp Investments, Schwab Private Client Investment Advisers, and TIAA. Outside of her advisory role, she is a licensed notary public and operates a book re-selling business specializing in rare and collector books. 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 multi-factor tilts, and offers a range of implementation options including ETFs, mutual funds, and separately managed accounts.

Gary Drury is a Series 63 licensed financial advisor at Lincoln Investment with 36 years of industry experience. He has worked at Lincoln Investment Planning, Inc. since 1999. Outside of his advisory role, he has been involved in the restaurant business at Pelicans Restaurant since 1979. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a variety of advisor-managed and firm-managed investment programs.

Gracie Horton is a CFP® professional with two years of experience at Mercer Global Advisors Inc. She previously worked at American Century Investments and has an academic background from the University of Kansas. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based approach, emphasizing diversified, risk-appropriate portfolios with multi-factor tilts and offers a variety of implementation options including ETFs, mutual funds, and separate account solutions.

Richard Diodosio is a financial advisor at TIAA-CREF with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with TIAA-CREF since 2007. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, applying a fiduciary standard to its RIA services within a vertically integrated structure that includes affiliated funds.

Garrett Hawkins is a CFP® professional with nine years of industry experience, currently advising at Mariner since 2026. His prior roles include positions at GWFS Equities, Inc., LPL Financial LLC, and Wells Fargo Clearing Services. Mariner serves a diverse client base including individuals, pension plans, and charitable organizations, offering investment management, financial planning, and specialized services like coordinated tax and Core Family Office solutions. The firm employs discretionary, customized portfolios supported by internal and third-party research and provides integrated tax, accounting, and financial wellness services uncommon in large advisory enterprises.

Michelle Thebeau is a financial advisor at Mariner with 10 years of industry experience. She holds a Series 65 credential and has worked at Mariner since 2015, including through its evolution to Mariner Wealth Advisors. Prior to that, she spent one year at Kummer Financial Strategies, LLC. Mariner serves a diverse client base, including individuals, pension and profit-sharing plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and access to pooled vehicles and third-party managers. The firm is notable for its integrated tax and accounting services alongside discretionary, customized portfolio management supported by an Investment Committee and a broad range of strategies.

Anthony Englert is a financial advisor at Sanctuary Advisors, LLC in Denver, CO, with 12 years of industry experience. He holds Series 66 and Series 65 licenses and has previously worked at Goldman Sachs, Merrill, United Capital Financial Advisers, LLC, and Cetera Advisor Networks. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports a range of investment approaches and platforms, providing both discretionary and non-discretionary portfolio management through a large network of independent advisor representatives.

Katelyn Cerullo is a financial advisor at D.A. Davidson & Co. with eight years of industry experience. She holds a Series 66 designation and has previously worked at several firms, including Securities America Advisors and KMS Financial Services. Outside of her financial advisory work, she participates in a product review program unrelated to investments. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and offers specialized services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

Darin Swick is a financial advisor with Eagle Strategies (NY Life) based in Denver, CO, holding a Series 66 designation and 10 years of industry experience. His prior experience includes roles at Thrivent Financial, Prudential Insurance Company of America, and Principal Life Insurance Company. Outside of his advisory work, he is involved in insurance brokering for non-registered products through outside carriers. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailored recommendations, managing most assets on a non-discretionary basis within the New York Life affiliate structure.

Mckenzie Johnson is a financial advisor at Creative Planning with 21 years of industry experience. He holds the Series 66 designation and has worked previously at Lockton Investment Advisors, Lockton Financial Advisors, Lockton Companies, Kestra Financial Services, Principal Life Insurance Company, and Princor Financial Services. Johnson has been with Creative Planning since 2021. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, alongside selective private market exposure and institutional retirement plan services.

Molly Perry is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with TIAA and TIAA-CREF since 1988, totaling over three decades at the firm. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered retirement plans. The firm combines point-in-time planning with ongoing portfolio management, acting as adviser to donor-advised funds and offering both model-based and customized portfolio solutions.

Matthew Papazian is a CFA® charterholder with 27 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and Wealth Enhancement Group, where he has worked since 2021. Prior to that, he spent six years at Cardan Capital Partners, LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm employs a strategic investment process combining passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and retirement consulting services.

Alexander Perry is a financial advisor with PNC Wealth Management in Littleton, CO, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at CliftonLarsonAllen Wealth Advisors, Alpha Capital Family Office, Fidelity Brokerage Services, and Bank of America. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees with existing PNC Bank online-banking credentials. The program uses algorithm-driven risk assessment and implements investments via approved model strategies managed by PNC or third-party strategists.

Julia Messineo is a CFP® professional with five years of industry experience. She is currently with Mercer Global Advisors Inc. in Denver, CO, where she has worked since 2021. Her prior experience includes roles at Bank of America and Merrill. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with investment advisory, financial, tax, retirement, and estate planning services. The firm uses a globally diversified investment approach grounded in Modern Portfolio Theory and offers specialized services and client education programs.

Mark Warren is a financial advisor with William Blair, holding Series 63 and Series 65 credentials and more than 24 years of industry experience. Prior to joining William Blair in 2023, he worked at Morgan Stanley in various roles from 2009 to 2023. William Blair’s Private Wealth Management division serves individuals, foundations, pension, and corporate clients with discretionary and non-discretionary investment management, financial planning, and wealth services. The firm employs an active, research-driven approach across multiple asset classes and offers proprietary model portfolios and access to private funds through its MB Investments Program.

Rhett Belcher is a financial advisor with TIAA-CREF, holding a Series 66 credential and bringing 16 years of industry experience. He has been with TIAA-CREF since 2011. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients often connected through employer retirement plans and provides access to affiliated services such as TIAA Trust and donor-advised funds.

Nolan Schultz is a CFP® professional with eight years of industry experience, currently serving as an Associate Wealth Advisor at CWM, LLC. He has held roles at Carson Wealth, Cetera Advisor Networks, and Charles Schwab, among others. Outside of advisory work, he is also an insurance agent specializing in life, health, and accident coverage. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, and retirement-plan services, typically managing discretionary accounts using model portfolios guided by an internal Investment Committee and combining various analytical and customization tools.

Kyle Singleton is a financial advisor at Wealth Enhancement Advisory Services, LLC with one year of industry experience. He holds a Series 65 designation and previously worked at the Hoover Institution at Stanford University and the University of Colorado Boulder. Outside of his advisory role, Kyle serves as a voluntary mentoring advisor for the Phi Kappa Psi Fraternity’s Colorado Alpha Chapter, where he assists undergraduate officers with budgeting and financial planning. 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 approach combining passive and active managers, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and consulting services.

Aaron Mclachlan is a financial advisor at Wealth Enhancement Advisory Services, LLC with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Financial, Householder Group Estate & Retirement Specialists, Wells Fargo, and Fidelity Brokerage Services. Outside of his advisory role, he is involved with ECA Marketing and participates in educational activities through White Glove 567. 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 offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Connor Murphy is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2019, including time at Fidelity Investments and New York Life Insurance Co. prior to that. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, focusing on financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm serves individual clients enrolled in the Schwab Wealth Advisory program and does not engage in discretionary trading or direct fee arrangements with clients.