Michael Abbott is a financial advisor at Schwab Wealth Advisory, Inc. with 32 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Charles Schwab & Co., Inc. and Schwab Private Client Investment Advisory, among other firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations that utilize Schwab’s proprietary research and asset allocation models.

Wayne Bellinger III is a financial advisor at OSAIC Institutions, INC. with 15 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bellco Credit Union and Cuso Financial Services, LP. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering a range of advisory and brokerage services through customized engagements and access to alternative investments via the CAIS platform. The firm is notable for its predominantly non-discretionary assets and its dual broker-dealer/adviser status, which shapes its service and compensation model.

Jason Price is a CFP® professional with 25 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. His prior experience includes roles at Wells Fargo Advisors and Schwab Private Client Investment Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice using Schwab’s asset allocation models and research tools without discretionary trading authority.

Traci Bryson is a financial advisor at Moneta Group Investment Advisors, LLC with 19 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Robert W. Baird for nine years. Bryson is based in Denver, Colorado. Moneta Group Investment Advisors serves high-net-worth individuals, families, family offices, and institutional clients, offering portfolio management, financial planning, family office services, and concierge offerings. The firm employs a Partner-led Team structure with a centralized Investments Department and an open-architecture selection process focused on asset allocation and manager due diligence.

Mark Gaylord is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with Transamerica Financial Advisors. He has served on the board of 1311 York Street, an Alcoholics Anonymous organization, since 2022. Gaylord also operates The Gaylord Group, a tax planning S-corporation formed for personal tax purposes. Transamerica Financial Advisors offers investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm employs a model portfolio approach implemented through third-party managers and platform sub-advisors, supported by a large advisor network and multiple program platforms.

Eric Zemp is a financial advisor at Osaic Institutions, Inc. with a Series 66 credential and one year of industry experience. Prior to joining Osaic, he worked in various roles at companies including Schomp Automotive and Amazon. Osaic Institutions, Inc. is an SEC-registered investment adviser that serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable lending marketplace.

David Jay is a financial advisor with Commonwealth Financial Network based in Littleton, Colorado. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to joining Commonwealth in 2019, he worked at Sagepoint Advisors, Inc. for 10 years. He is also co-owner and executive vice president of Jay Financial Group, Inc. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering advisory programs, wealth management, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to advisors who deliver client advice under Commonwealth’s supervision.

Bryan Kriet is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked with Charles Schwab and its affiliated entities since 1993. Outside of his advisory role, he coaches athletes in freestyle (mogul) skiing competitions at the Winter Park Competition Center. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual reviews and offers personalized investment recommendations while clients retain final trading decisions.

Jonathan Lore is a Series 66-licensed financial advisor with 17 years of industry experience. He is currently with Farther and has previously worked at Personal Capital Advisors Corporation and Empower Advisory Group. Outside of his advisory work, he is the managing member of Apex Pattern Group, LLC, a consulting firm focused on management, strategic planning, and technology-driven educational initiatives. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform, offering discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds. The firm’s investment approach uses Modern Portfolio Theory implemented via bespoke allocations and proprietary algorithmic model portfolios, emphasizing periodic rebalancing and diversified asset allocation.

Michael Roush is a financial advisor at Wealth Enhancement Advisory Services, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors LLC, Cetera, Foresters Financial Services, and Prudential. Outside of his advisory work, he operated Michael Roush Photography from 2016 to 2024 and was involved with Rous Squared LLC DBA Rev'Pod from 2017 to 2020. 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 consulting, employing a strategic investment process that combines passive and active managers with quantitative and fundamental research.

Bradley Beyer is a financial advisor at Corient with the CFP® designation and Series 65 license, holding four years of industry experience. His prior roles include positions at Balasa Dinverno Foltz LLC and CIPW Service Company, LLC. He participates as a mentor providing financial education and budgeting assistance to young adults through 3rd Decade. Corient offers investment advisory and financial planning services to a diverse client base, including individuals, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team approach that combines in-house strategies with third-party managers, continuous portfolio monitoring, and risk management tools, along with affiliated private fund capabilities.

Gabrielle Mollick is a CFP® with eight years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. in Denver, CO. She has been with Mercer Global Advisors since 2018. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory services along with financial, tax, retirement, estate planning, and family office solutions. The firm employs a Modern Portfolio Theory-based investment approach with diversified portfolios implemented through a range of vehicles including low-cost ETFs, separate account managers, and private funds, complemented by educational programming and integrated service lines.

Rafe Kinder is a CFP® professional with Moneta Group Investment Advisors, LLC in Denver, CO. He joined Moneta in 2022 and has prior experience working at Black Pepper Pho and in educational roles at the University of Colorado - Boulder and Valor Christian High School. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and various institutional clients, offering portfolio management, financial planning, and family office services. The firm uses a Partner-led Team model supported by a centralized Investment Department and provides diversified, multi-asset allocation strategies along with specialized services for unique client segments.

Bruce Kendrick is a financial advisor at Hightower Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Hightower since 2020, following four years at Frontier Investment Management Co. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers services including discretionary portfolio management, financial planning, and retirement plan consulting.

Bradley Steffen is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Transamerica Capital Inc. and GWFS Equities, 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 retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within an integrated platform tied to Empower’s recordkeeping and administrative services.

Ashli Collins is a financial advisor at CWM, LLC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Carson Wealth, DMK Advisor Group, Aveo Capital Partners, Charles Schwab Bank, Charles Schwab & Co., Inc., and Nexenta Systems Inc. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of partner offices and more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Caleb Bitner is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked in various roles including client service and insurance sales focusing on annuities, life insurance, and Medicare plans. Prior to his current position, Caleb has experience in hospitality and retail sectors. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Michael Jungman is a CFP® with 17 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. since 2016. He is also the owner and founder of Blazing Bulls, an internet services business. His career includes extensive involvement with Charles Schwab & Co., Inc. dating back to 2008. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial planning and investment recommendations using standardized asset allocation models and Schwab research tools. The firm operates within the Charles Schwab ecosystem and focuses on individualized advice without discretionary trading authority.

Thomas Whisenant is a CFP® with 10 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2021. Prior to this, he spent five years at TIAA. Outside of his advisory role, he is involved in managing a short-term rental for his primary residence. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools, with clients making final trading decisions.

Timothy Cunningham is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory and has been associated with Charles Schwab and its related entities since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering services including 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 directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.