Isabella Muturi Sauve is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, and TIAA-CREF. Outside of her advisory role, she is involved in healthcare services as a care provider for her mother. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading decisions.

David Harper II is a financial advisor with Brookstone Capital Management LLC in Castle Rock, CO, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has worked at Regal Investment Advisors, LLC since 2016 and has been associated with Cornerstone Financial Consultants since 1997, which is the name he uses for marketing. Outside of advisory work, he is a licensed insurance agent and sells insurance and annuity products. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supporting a large advisor network with back-office and turnkey asset management platform services.

Jacob Garcia is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory, Garcia has worked at Charles Schwab & Co., Inc. and has diverse experience across several industries including behavioral health and food service. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm serves individual clients using standard Schwab asset allocation models and research tools, offering investment recommendations without exercising discretionary trading authority.

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.

Martin Holt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has held roles at GWFS Equities, J.P. Morgan Securities, JPMORGAN Chase Bank, Scottrade Investment Management, and TD Ameritrade Services. 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 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.

Eric Chodkowski is a financial advisor with Empower Advisory Group in Greenwood Village, CO. He holds a Series 66 designation and has 13 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation and Santander Securities, LLC. 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 clients. The firm’s services integrate with Empower’s recordkeeping platforms and emphasize long-term portfolio returns, annual rebalancing, and client savings rates.

Jennifer Smith is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and previously spent 11 years at Merrill. She holds Series 63 and Series 65 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, offering services such as 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 and does not act as a discretionary portfolio manager.

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.

Lauren Richardson is a CFP® with eight years of industry experience, currently serving as an advisor at Kestra Advisory. She has held advisory roles at Kestra Advisory Services and Kestra Investment Services, among other positions, since 2017. Outside of her advisory work, she is involved with PROPLANCO MANAGEMENT LLC, focusing on insurance client management, and manages a real estate property in Denver. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors such as sovereign wealth funds.

Matthew Berens is a financial advisor at Empower Advisory Group with six years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at TIAA-CREF Individual and Institutional Services and Firstbank. His career also includes roles outside finance, such as employment with Jefferson County Public Schools and Pizza Hut. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail clients through integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and serves a large participant base with a relatively high client-to-advisor ratio.

Scott Watson is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds the Series 66 designation and has worked at Schwab Wealth Advisory since 2020, with prior experience at Charles Schwab & Co., Inc. dating back to 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools without exercising discretionary trading authority.

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.

Jerilyn Suster is a financial advisor at Empower Advisory Group with nine years of industry experience. She holds Series 63 and Series 65 licenses and has prior experience working with Jeffco Public Schools and various community organizations. She serves as volunteer treasurer for the Rendezvous Buckhorn Home Owners Association. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and client savings rates, delivering both financial plans and optional managed account solutions.

Darrin Wohlk is a financial advisor at Empower Advisory Group with two years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Empower, he worked at Fidelity Investments and UPS, among other positions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates in its financial planning approach.

Rashedul Khan is a financial advisor at Beacon Pointe Advisors, LLC in Denver, CO, with six years of industry experience and a Series 66 designation. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Charles Schwab, and Fidelity. Before entering the financial services industry, he worked in the restaurant business. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a manager-driven investment approach, combining active and passive strategies, and sponsors proprietary investment vehicles while offering a range of wealth management and fiduciary services.

Matthew Peterson is a financial advisor with Principal Financial Services in Denver, Colorado. He holds a Series 66 designation and has two years of industry experience, including roles at Principal Securities, Inc. and Principal Life Insurance Company. Outside of his advisory work, he coordinates sporting events for the University of Missouri alumni group in Denver. Principal Securities provides brokerage and registered investment advisory services to individual investors, retirement plans, trusts, charitable organizations, and corporations. The firm offers financial planning, retirement consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

David Hartley is a financial advisor at Hornor, Townsend & Kent, LLC with 20 years of industry experience. He holds the Series 66 designation and has worked at Penn Mutual Life Insurance Company, VALIC Financial Advisors, and Agia. Hartley owns Wealth Wellness LLC and Wealth 4 Wellness, businesses focused on financial planning and retirement planning services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, offering a range of custody, execution, and portfolio management options.

Clayton Holloway is a CFP® professional with 27 years of experience in the financial industry. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, recommending specific investments while leaving final trading decisions to clients.

David Seems is a financial advisor with Principal Financial Services in Highlands Ranch, CO. He holds the ChFC® designation and Series 63 license, and has 43 years of industry experience. He is the owner of Business Advisors, LLC, a firm he has operated since 2002, and has worked with Principal Life Insurance Company and Princor Financial Services Corporation since 2004. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through both advisory and promoter arrangements.

Thomas Bockenstedt is a financial advisor with Empower Advisory Group and holds a Series 66 designation. He has 12 years of industry experience and has been with 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 Empower Premier IRA and retail brokerage account holders. The firm emphasizes long-term portfolio returns and savings rates through an integrated model tied to Empower’s recordkeeping and administrative platforms.