Christian Haviland is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including T Rowe Price and Performance Dynamics. Haviland is based in Greenwood Village, Colorado. 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’s integrated approach ties services to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Mark Schweizer is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Outside of his advisory role, he is involved with Schweizer Dairy, Inc., where he acts as Secretary and Treasurer. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Nicholas Keener is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various Charles Schwab entities since 2015. Keener is based in Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Rogelio Hernandez Sandoval is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TIAA-CREF and Public Service Credit Union. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services through an integrated platform connected to Empower’s recordkeeping and administrative systems. The firm’s approach includes point-in-time financial plans and optional managed account solutions tailored to long-term portfolio returns and savings rates.

Gianna Viele is a CFP® professional with nine years of industry experience. She currently works at Allworth Financial, L.P. and previously held roles at Facet Wealth, First National Bank of Omaha, Private Capital Management, and Wagner Wealth Management. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolios using a range of model strategies and provides both discretionary and non-discretionary asset management and financial planning services.

Richard Martin is a financial advisor at Centaurus Financial, Inc. with six years of industry experience. He holds a Series 66 designation and previously worked at BNP Paribas Securities Corp. and Janus Henderson Distributors. Outside of his advisory role, Martin is a CPA involved in tax return preparation and also assists clients as a mortgage loan originator. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing a mix of discretionary and non-discretionary arrangements.

Michael Meador is a financial advisor at Focus Partners Wealth, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Kovitz Investment Group Partners, LLC, Transform Wealth (formerly Carnick & Kubik Group, LLC), and Sanford C. Bernstein & Co., LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that blends active and passive strategies within an enhanced open architecture framework.

Justin Scalcucci is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at Protective Life Corporation and has been with Charles Schwab & Co., Inc. since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on 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.

Daniel Ferszt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with GWFS Equities Inc / Great West Financial 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’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Melia Baker is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. She has seven years of industry experience and has been with Schwab Wealth Advisory since 2020. Prior to her advisory role, she worked in the restaurant and retail industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s standard asset allocation models and research tools.

Richard Duda is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Independent Financial Partners. His prior work history includes roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, spanning nearly two decades. He is also the sole owner and employee of Pine Tree Wealth Management LLC, a personal financial management entity. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm supports a multi-advisor platform and offers a decentralized advisory model with specialized retirement-plan advisory and pension consulting capabilities.

Jeremy Clark is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Primerica Advisors since 2008 and also has experience with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory work, he is involved in insurance sales beyond Guardian and holds ownership in Lucet Advisors LLC. Park Avenue Securities LLC serves a diverse retail client base including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and business consulting. The firm utilizes a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as securities-based lending and tax-harvesting.

Timothy Zabelin is a CFP® with 35 years of experience in the financial industry. He currently serves as an advisor at Schwab Wealth Advisory, where he has worked since 2021. Prior to that, he was with TD Ameritrade for 12 years. 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, and investment recommendations across a broad range of asset classes. The firm operates as an internal advisory unit within Charles Schwab, delivering advice through standardized asset allocation models and research tools while leaving final trading decisions to clients.

Patricia Nicole Quierrez is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 66 and Series 63 designations. Her prior work includes roles at Wells Fargo Clearing Services, E*TRADE Securities, and Riversource Distributors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns, annual rebalancing, and client savings rates in its planning approach.

Alexander Barrios is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 credentials and 17 years of industry experience. His career includes roles at Charles Schwab since 2017 and prior experience at Transamerica Capital Inc. from 2013 to 2017. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm provides investment recommendations and annual account reviews but does not exercise discretionary trading authority.

Bruce Inscoe is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked at Advised Assets Group LLC since 2017 and previously at Gwfs Equities, Inc. from 2014 to 2017. 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 account holders. The firm’s integrated approach is tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Tammie Myers Sharp is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked with Primerica Advisors since 2008 and is currently associated with Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she serves as an advisor and prayer leader on the board of directors for the Christian Women Business Organization. Park Avenue Securities LLC serves a broad retail client base, offering both brokerage and advisory services, including financial planning and retirement-plan consulting. The firm utilizes a combination of proprietary model portfolios, third-party managers, and digital advice solutions to implement investment strategies for individual and institutional clients.

Chris Schafersman is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at TIAA-CREF and Tiaa since 2011 and has been involved with Lyft and Uber as a rideshare driver. Additionally, he manages 5th Season, a family-owned lawn care business, and Wuduwerks, which creates and sells handcrafted woodworking pieces. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm offers point-in-time financial plans alongside optional managed account solutions, operating within a model integrated with Empower’s administrative and recordkeeping platforms.

Gregg Niesyty is a financial advisor with Schwab Wealth Advisory, holding Series 63, 65, and 66 credentials and 28 years of industry experience. He has been with various Charles Schwab entities since 1999. Outside of his advisory role, he serves as a board member for the Park Meadows Metropolitan District, overseeing community improvement projects funded by local taxes. 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 based on Schwab’s asset allocation models and research tools.

Andrew Lang is a financial advisor at &PARTNERS with 32 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined 26 years. Outside of his advisory role, Lang serves on the Business and Entrepreneurship Education Committee for Littleton Public Schools and is a director of the Littleton Business Chamber. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers a range of financial services such as investment management, financial and tax planning, and ERISA consulting using both proprietary and third-party strategies, with accounts managed on discretionary and non-discretionary bases.