Stephen Bauer is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 66 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has prior experience at Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily delivered through Schwab’s standard asset allocation models and research tools.

Douglas Davis is a financial advisor with Empower Advisory Group, holding Series 63, Series 65, and Series 66 licenses and bringing 25 years of industry experience. He has worked at GWFS Equities, Inc. since 2013 and Northstar Realty Securities 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 offers an integrated service model connected to Empower’s recordkeeping and administrative platforms, featuring point-in-time financial plans and optional managed account solutions.

Jacob Wilder is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2022. Prior to his current role, he was involved with The Long Drink Company and Kilroy's on Kirkwood. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Matthew Robles is a financial advisor at Empower Advisory Group with a Series 65 credential and three years of industry experience. Prior to joining Empower, he worked at GWFS Equities, Inc. and held positions at Greater Richmond Partnership, Chik Fil A, and Kroger. 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 focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Venessa Rodriguez is a financial advisor at Transamerica Financial Advisors with two years of industry experience. She holds Series 63 and Series 65 licenses and has prior experience with firms including The Guardian Group and Bank of America. Outside of her advisory role, she has been involved in sales of insurance and non-insurance products affiliated with Transamerica. Transamerica Financial Advisors serves a diverse client base including individual investors, high-net-worth clients, and institutional entities. The firm offers a range of advisory and broker-dealer services, combining proprietary and third-party investment models with both discretionary and non-discretionary program options.

Kim Richfield is a financial advisor at Empower Advisory Group with three years of industry experience. Her prior roles include positions at Fidelity Investments and nonprofit organizations such as Donor Alliance and Children’s Hospitals in Colorado and Wisconsin. Outside of advising, she engages in a small resale business based in Arvada, Colorado. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, utilizing an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and serves a large participant base with scalable advisory services.

Bruce Miller is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked with Primerica Advisors since 2008 and is also affiliated with Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities serves a diverse retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services along with financial planning and consulting. The firm employs a range of investment strategies through proprietary model portfolios, third-party managers, and digital advice solutions.

Scott Schroeder is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds a Series 65 designation and has been with Empower Advisory Group since 2023, following a tenure at Personal Capital Advisors Corporation starting in 2016. 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 clients. The firm uses an integrated model aligned with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns, annual rebalancing, and clients’ savings rates in its financial planning services.

Timothy Bickley is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. His career has included multiple roles within the Charles Schwab organizations since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using proprietary research and standard asset allocation models to support client decision-making while not exercising discretionary trading authority.

Heather Kindoll is a Series 66 registered advisor with TLG Advisors, Inc. in Centennial, Colorado, where she has worked since 2014. She has 10 years of industry experience. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios.

Tyler Gatlin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., Taylor Morrison Homes, Lokal Homes, and CalAtlantic Homes. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending allocations without discretionary trading authority, and does not directly charge clients fees.

Jessica Benningsdorf is a financial advisor at Principal Financial Services with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including Principal Securities, Inc., World Investments, Inc., AssuredPartners Investment Advisors, and GWFS Equities Inc. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel outside the United States. The firm’s advisory services focus on direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Robert Douglas is a financial advisor at CWM, LLC with 22 years of industry experience. He holds a Series 66 designation and has worked previously at Aveo Capital Partners, LLC and Stephen A. Kohn & Associates, Ltd. Outside of advisory roles, he is a shareholder in Colorcom, Limited Partnership and a referral agent for Sage Benefits Group, a health insurance firm. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios governed by an in-house Investment Committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

David Whelan is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Gwfs Equities, Inc. since 2014. In addition to his advisory work, he serves as a military police soldier in the Colorado Army National Guard and is an elected trustee for the Town of Firestone. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and serves a large participant base through a model that combines proprietary and third-party planning methodologies.

Tina Ye is a CFP® and Series 66 accredited financial advisor with Schwab Wealth Advisory, bringing 16 years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2022, following nine years at MML Investors Services LLC and Massmutual Life Insurance Company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, with discretionary management typically handled by affiliated or third-party managers.

Nikko Barela is a CFP® professional at Schwab Wealth Advisory with seven years of industry experience. He has previously worked at J.P. Morgan Securities, Fidelity Investments, and Empower, among other firms. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s asset allocation models and research tools to deliver investment recommendations while leaving final trading decisions to clients.

Mitchell Powers is a financial advisor with Hightower Advisors in Denver, CO, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Investment Security Group, Inc. and Integrated Concepts Inc. Mitchell has been with Hightower Advisors since 2021. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering multi-manager solutions through affiliated and third-party managers, with a focus on discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting.

Eric Vincent is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Charles Schwab and Schwab Wealth Advisory Inc. since 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, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standardized asset allocation models and research tools while leaving final trading decisions to clients.

John Pedotto is a CFP® with 30 years of experience in the financial services industry. He has been with Schwab Wealth Advisory Inc. since 2021 and previously worked at Charles Schwab in various roles from 1996 to 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Craig Birk is a CFP® and holds a Series 65 license, with 15 years of industry experience. He is currently with Empower Advisory Group, where he has worked since 2023, and previously was with Personal Capital Advisors Corporation for over a decade. Empower Advisory Group provides financial planning and investment management services 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 emphasizes long-term portfolio returns and integrated service delivery tied to Empower’s recordkeeping and administrative platforms.