Benjamin Massa is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Luna Freight. Outside of finance, he was involved with the United States Hang Gliding and Paragliding Association in 2019. 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 supported by Schwab’s asset allocation models and research tools.

Lu Hartley is a financial advisor at Empower Advisory Group with two years of industry experience. Hartley holds the Series 66 designation and has previously worked at Charles Schwab & Co., Inc. and TIAA-CREF Individual & Institutional Services, LLC. Outside of finance, Hartley has experience in the wellness and hospitality industries, including roles at Renew Massage Studio and The Woodhouse Day Spa. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and clients' savings rates through point-in-time financial plans and optional managed account solutions.

Jacob Schwinn is a CFA® charterholder with 17 years of industry experience. He is currently with Cresset Asset Management, LLC and has worked there since 2021. Prior to joining Cresset, he spent 12 years at J.P. Morgan Private Bank. Outside of finance, Schwinn serves as Vice President of Schwinn Construction Company. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets. The firm serves individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles, employing a disciplined, risk-aware approach that includes strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes.

Colleen Ellingboe is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Charles Schwab since 2013, including five years at Charles Schwab Bank and one year at Schwab Wealth Advisory Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Angelo Patrick Tarol is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds the Series 66 and Series 63 licenses and has prior experience at Wells Fargo and ADP Philippines. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and savings rates.

Harrison Hodges is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Personal Capital Advisors Corporation and Charles Schwab. Outside of his advisory role, Hodges is involved in mortgage loan origination, assisting clients with home financing through his business, Hodges Strategies LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm’s services combine proprietary and third-party financial planning methodologies with integrated recordkeeping and administrative platforms.

Dane Winter is a financial advisor at Kestra Advisory with 11 years of industry experience. He holds the CFP® and Series 63 credentials and has been with Kestra Advisory since 2018. Winter serves on the AssetMark Field Advisory Board, which involves providing feedback on platform initiatives and participating in strategic discussions. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, and advisor-managed accounts. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple management platforms and third-party solutions within its supervisory framework.

Kate Morstad is a financial advisor with Kestra Advisory in Denver, CO, holding a Series 66 credential and 15 years of industry experience. She has worked at Kestra Advisory and affiliated entities since 2017 and previously spent eight years with Ameriprise Financial Services. Outside of advisory work, she serves as a notary and has responsibilities supporting office administration. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts, supporting clients such as large institutional investors and sovereign wealth funds.

Michael Mayer is a CFP® professional with 11 years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having joined both firms in 2026. His prior experience includes roles at Fidelity Investments and TIAA. Outside of his advisory work, he is involved with Windschrift LLC, a private trading business. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and uses proprietary research tools and standard asset allocation models to guide client decisions without discretionary trading authority.

Jason Timpe is a CFP® certificant with 22 years of industry experience. He currently works at Schwab Wealth Advisory, where he has been employed since 2020. His prior experience includes roles at Polaris Greystone Financial Group and Fidelity, where he worked for over 15 years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses proprietary Schwab research tools and standard asset allocation models to deliver investment recommendations, focusing on annual reviews without discretionary trading authority.

Samuel Keck is a financial advisor at OSAIC Advisory Services, LLC with 33 years of industry experience. He holds a Series 63 designation and has worked previously at Parkland Securities and Triad Advisors. Outside of advisory work, Keck serves as president of Asset Fortress Group, Inc., a firm focused on business valuation reports, and he is involved in life insurance sales through Clearview Financial, LLC. OSAIC Advisory Services, LLC is an SEC-registered adviser serving a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple advisory program models and utilizes a combination of proprietary and third-party platforms.

Robert Ladislao is a financial advisor with TIAA-CREF in Glendale, CO, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with TIAA since 2005. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with existing relationships through TIAA-administered retirement plans. The firm operates a vertically integrated advisory model that includes customized portfolio management and acts as adviser to a donor-advised fund.

Christopher Fernon Jr. is a financial advisor with Schwab Wealth Advisory and has 12 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Charles Schwab since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions left to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Robyn Loftin is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 designations and 21 years of industry experience. She has been with Gwfs Equities, Inc. 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 certain retail clients. The firm’s approach integrates planning and management services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and clients' savings rates.

Benjamin Briggs is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. Prior to this, he worked at Tolleson Wealth Management for one year. 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, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

John Roberts is a financial advisor at Corient with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Segall Bryant & Hamill, ALPS Distributors, Inc., and Denver Investment Advisors. Roberts is based in Denver, CO. Corient provides investment advisory and financial planning services to individual and high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses risk management tools to align portfolios with client objectives.

Matthew Klaess is a financial advisor with AE Wealth Management, LLC in Denver, CO, holding a Series 65 credential and 13 years of industry experience. He has worked at AE Wealth Management since 2017 and has been involved with MSK Insurance Agency, LLC as an owner and agent since 2010. Klaess also facilitates access to estate planning document services for clients. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios from AEWM, third-party strategists, and advisor-managed models, supported by an internal Investment Consulting Group and programs that license models or provide SMA management to other RIAs.

Robert Siegrist is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2024. Prior to joining Cerity Partners, he worked at Janiczek Wealth Management for 16 years. He is also a member of JWM Partners I, LLC, the general partner to JWM Growth & Income Fund I LP, a role for which he receives no compensation. Cerity Partners is an SEC-registered investment adviser serving a diverse client base, including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, and access to alternative investments, with a focus on customized, diversified portfolios and private market programs.

Nathan Dunn is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing three years of industry experience. He has worked at Schwab Wealth Advisory Inc and Charles Schwab & Co., with prior experience at Mariner Wealth Advisors and Enam Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice using Schwab’s asset allocation models and research tools.

Ryan Crider is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at Charles Schwab and Empower Retirement, as well as self-employment. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering programs that focus on asset allocation, contribution guidance, and retirement age planning. The firm utilizes proprietary software and model portfolios provided by Morningstar Investment Management and manages a large client base primarily through non-discretionary advice.