Veronica Hubbard is a financial advisor at Empower Advisory Group with six years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of her advisory role, Veronica is involved in network marketing as a direct sales representative for Amway. 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 delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Brian Brown is a financial advisor with Principal Financial Services in Denver, CO. He holds a Series 66 designation and has 15 years of industry experience. His prior experience includes roles at Retirement Solutions of Colorado, Medvidofskey & Brown Retirement Partners, and Principal Life Insurance Co. Brown serves as Council Commissioner for the Greater Colorado Council of the Boy Scouts of America, a volunteer leadership and board position. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Andrew Ross is a financial advisor at Independent Financial Partners with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Fidelity Investments and Diamond Wealth Management. Ross joined Independent Financial Partners in 2021. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, offering both discretionary and non-discretionary account management with a notable focus on retirement-plan advisory and pension consulting services.

Sarah Wagner is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Gwfs Equities, Inc., Corestaff Services, and The Cosmopolitan of Las Vegas. Outside of her advisory role, Wagner works part-time as an event security officer for Allied Universal Event Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain IRA and retail brokerage clients. The firm’s services integrate proprietary and third-party planning methodologies with recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Nicholas Park is a financial advisor with Eagle Strategies (NY Life) based in Denver, CO, holding Series 66 and Series 63 licenses with eight years of industry experience. His career includes roles at New York Life Insurance Company and NYLIFE Securities LLC. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types tailored to client objectives, with a focus on non-discretionary asset management and fiduciary responsibilities to retirement investors.

Amanda Surratt is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and with 13 years of industry experience. She has been with Schwab Wealth Advisory Inc. since 2014 and with Charles Schwab & Co., Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co. and follows a distinct operating model that does not involve discretionary portfolio management or direct client billing.

Brent Hultquist is a financial advisor at Schwab Wealth Advisory with a Series 65 credential and one year of industry experience. Prior to joining Schwab, he worked at Hultquist Law Firm, LLC for six years and at Shortridge, Fitzke & Hultquist, P.C. for twelve years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews 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, with advisors recommending allocations while clients maintain final trading decisions.

Cory Bergquist is a financial advisor at Empower Advisory Group with Series 63 and Series 66 designations and one year of industry experience. Before joining Empower, he worked at Fidelity Investments for one year and has held positions in several other companies including Elavon and DoorDash. From 2020 to 2023, he was involved with On The Rocks Wine and Spirits. 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 retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Ainsley Stone is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Schwab since 2011, including a role at Schwab Wealth Advisory since 2014. Prior to her current advisory position, she was employed by Uber from 2015 to 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across multiple asset classes using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its model from many other enterprise wealth managers.

Adam Leatherby is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2025. Prior to this, he held roles at Fidelity Investments and its affiliates from 2014 to 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, 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 for its services.

William Mc Mannis is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at McMannis Wealth LLC, LPL Financial, Collier Financial, TIAA, and JPMorgan Chase Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standardized asset allocation models and proprietary research tools to guide investment recommendations, delivering advice primarily through an internal advisory unit within the Schwab ecosystem.

Rachel Miller is a Series 65-registered financial advisor with seven years of industry experience. She currently practices at Empower Advisory Group and has previously worked at Personal Capital Advisors Corporation, Willow Investments, and Fisher Investments. 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 retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Joseph Gibalski is a CFP® professional with six years of experience in the financial industry. He is currently with Schwab Wealth Advisory Inc., part of Charles Schwab, where he has worked since 2025. His previous experience includes roles at Fidelity Investments and Empower Retirement, as well as work in trading firms earlier in his career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not exercise discretionary trading authority directly for most clients.

Justina Pearman is a financial advisor at Cerity Partners LLC with 10 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cerity Partners in 2024, she worked at Janiczek Wealth Management, Charles Schwab, various insurance carriers for W&R Insurance Agencies, and Waddell & Reed, Inc. Cerity Partners is an SEC-registered investment adviser serving individuals, families, trusts, estates, corporations, charitable institutions, and institutional investors, advising on approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Susan Naes is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Her prior work includes roles at Merrill Lynch Pierce Fenner & Smith before joining Charles Schwab and Schwab Wealth Advisory in 2017. 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 using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Darrell Quam is a financial advisor at Creative Planning with 12 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Creative Planning in 2021, he worked at Lockton Financial Advisors, LLC, Lockton Investment Advisors, LLC, and Lockton Companies, LLC from 2013 to 2021. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment approach featuring low-cost indexing and buy-and-hold strategies, supplemented by additional portfolio management techniques and a range of retirement plan services.

Stephanie Lopez is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience. She currently serves as a wealth advisor at Schwab Wealth Advisory, Inc., having previously worked at JP Morgan from 2016 to 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., focusing on client-directed investment decisions and conducting at least annual account reviews.

Stephanie Shadel is a CFP® professional with 16 years of industry experience, currently serving at Schwab Wealth Advisory since 2014. She has been affiliated with Charles Schwab in various capacities since 2009. Outside of her advisory role, she manages a personal rental property in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to support client decision-making. The firm conducts annual account reviews and operates as an internal advisory unit within the Schwab ecosystem.

Nathaniel Jung is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab & Co. Inc. since 2009. 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 across various asset classes. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Jake Meyer is a financial advisor at Schwab Wealth Advisory with credentials including Series 66 and Series 63. He has one year of experience in the industry, having previously worked at Charles Schwab & Co., Inc. and held various roles outside finance including positions at Whole Foods Market and in education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations, utilizing Schwab’s asset allocation models and research tools, while clients maintain final trading authority.