Todd Bower is a financial advisor with Cambridge Investment Research Advisors in Denver, CO, holding a Series 66 designation and five years of industry experience. He has worked at Cambridge Investment Research Advisors since 2022 and previously at Equitable Advisors. Outside of advising, Bower serves as an affiliate professor at Metropolitan State University of Denver and is an Assistant Chief with the Denver Fire Department. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and platform options tailored to client objectives.

Evan Becerra is a financial advisor with Cambridge Investment Research Advisors in Denver, CO, holding Series 63 and Series 66 licenses and 11 years of industry experience. Before joining Cambridge, he worked at Eagle Strategies, Legacy Tree Financial Group, NYlife Securities LLC, and New York Life Insurance Company. He is also the founder of Legacy Tree Financial Group. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides a range of investment solutions across multiple platforms with both proprietary and third-party strategies.

Seth Krochmal is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Boulder, Colorado. He leads Krochmal & Associates, a team with extensive experience assisting high net-worth individuals, executives, and entrepreneurs in organizing their financial lives. Their services include financial planning, portfolio strategy, and access to banking and lending solutions through Bank of America, tailored to meet clients' goals and priorities. Seth began his career at Merrill Lynch Wealth Management in Columbus, Ohio, in 2008 and has been with the firm in Boulder since 2011. He holds a Bachelor of Science in Business Administration from The Ohio State University. His professional designations include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Originally from Dayton, Ohio, Seth and his wife, Alisa, have two sons, Ruben and Levi. The family enjoys snowboarding, music, and football.

Michael Bonilla is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 66 and Series 63 designations. His prior roles include positions at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Invesco, and Oppenheimer Funds Distributor Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Eric Haney is a financial advisor with Edward Jones in Lafayette, Colorado, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, Haney serves as Board President of the Grandview Townhome Owners Association in Centennial, Colorado. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Erin Zuckerman is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds the Series 66 designation and previously worked at Merrill for 12 years before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources.

William Kessel is a financial advisor with Edward Jones in Arvada, CO, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Norma Trejo is a Planning Consultant at Fidelity Investments. In this role, she partners with clients to develop comprehensive financial plans that align with their financial aspirations and objectives.\n\nHer professional experience includes positions such as Associate Wealth Management Advisor at Northwestern Mutual from 2021 to 2022, Associate Financial Consultant at TIAA from 2019 to 2020, Team Lead Consultant at TIAA from 2017 to 2019, and Financial Services Consultant at TIAA from 2013 to 2017.\n\nOutside of her professional work, Norma enjoys activities such as spending time at the beach, attending concerts, hiking, engaging in outdoor adventures, parenthood, and traveling.

Nicholas Kakavas is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2022. His prior experience includes roles at Welch Financial Planning, New York Life Insurance, and NYLIFE Securities LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Kevin Brachle serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2014. He has been with Fidelity since 2013, beginning as an Investment Representative before advancing to his current position. Prior to joining Fidelity, he worked as an advisor at Naples Money Managers from 2011 to 2013. With 15 years of industry experience, Kevin emphasizes understanding his clients' personal priorities to develop customized financial approaches. Outside of his professional responsibilities, he is interested in music, outdoor adventures, running, and parenthood.

Leon Koob is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 22 years of industry experience. He has worked within Wells Fargo-affiliated firms since 2009. Outside of his advisory role, Koob has ownership interests in several investment-related businesses including Ascent Wealth Partners, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services and integrates advisory solutions with various financial product offerings.

Harold Heuer is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 1994. Heuer is based in Denver, Colorado. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Chloe Wood is a financial advisor at Morgan Stanley in Denver, CO, holding a Series 66 designation and with 16 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm emphasizes a structured financial planning process using approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Kevin Hueth is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2022. Prior to this, he held roles at Boston University, Eat, LLC, Calcydny, LLC, and has been associated with Aspen Ski Company since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Freemire is a financial advisor at Cambridge Investment Research Advisors with eight years of industry experience. He holds a Series 65 designation and has previously been involved with Kids Adventures Inc, Mission ROI, LLC, and Total Turf & Landscape, Inc. In addition to his advisory role, he serves as President of Patio Plus HOA and is an alternate board member of the Douglas County Colorado Water Commission. He is also an author and owns Full Circle Financial of Colorado Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies across multiple platforms.

Matthew Cox is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones in Lakewood, CO. He has been with Edward Jones since 2011. Outside of his advisory role, he is a partner in La Bella Vita Health and Wellness, a clinic based in Westminster, CO. Edward Jones is a full-service wealth management firm serving individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large nationwide network of advisors and branch offices.

Robyn Donovan is a Series 66 licensed financial advisor with five years of industry experience. She currently works at Morgan Stanley and previously spent ten years at Merrill. Donovan is also the sole proprietor of Robyn Donovan LLC, an online health and wellness business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market simulations.

Hope Todt is a financial advisor at Cetera with one year of industry experience. She holds the Series 66 designation and has previously been affiliated with Avantax entities and Larson Wealth Planners LLC. Outside of her advisory role, she is involved in logistics through Illuminated Global Logistics LLC and provides accounting services via Larson Accounting Services LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Christian Smith serves as Resident Director at Merrill, leveraging over 25 years of experience working with families to define and achieve their financial goals. Since beginning a college internship and joining the firm over 28 years ago, Christian has held various roles within Merrill and is committed to building strong relationships with clients and professional partners. This approach helps simplify often overwhelming financial decisions and allows for regular progress assessments and necessary adjustments. Christian's expertise encompasses areas such as college and general education planning, employee financial health, personal retirement planning, women and wealth, tax minimization, and retirement income. Christian holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christian earned a Bachelor's degree from Wesley College and a Master's degree from Wilmington College. Outside of work, Christian is involved in community activities and serves as a board member of First State Ballet and trustee of Delaware Hospice. Volunteer efforts include contributions to Buckets of Love and the Ronald McDonald House of Delaware. Christian resides in Delaware with a family of three, including a husband who is a teacher and a daughter attending Converse University. Personal interests include cooking, spending time with family, and traveling.

Tynan Strong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. His work history includes roles at Cetera Wealth Services, FS Advisors Wealth Management, and several educational institutions. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program structures and over $256 billion in assets under management.