Jonathan Neher is a financial advisor with Concurrent Investment Advisors, LLC in Fort Collins, CO, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes 17 years with Cambridge Investment Research Advisors and a year with Planmember Securities Corporation. Outside of his advisory role, he manages a family farm in Kansas as well as college planning consulting through his own company. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, and supports its advisors with integrated operational tools and affiliated sub-advisory arrangements.

James Raine is a financial advisor with Diversify Advisory Services, LLC, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His prior roles include positions at DFPG Investments, Inc., Questar Capital Corporation, and Principal Life Insurance. He is also a partner in Rocky Mountain Wealth Advisors and serves as an insurance agent with Financial Foundations Insurance & Investments LLC. Diversify Advisory Services is an SEC-registered firm serving individuals, corporations, retirement plans, trusts, foundations, and small business owners. The firm employs a tactical diversification and individualized asset allocation approach, offering a wide range of portfolio management and consulting services tailored to client goals and risk tolerance.

Andrew Hairgrove is a financial advisor at United Advisor Group with five years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Alera Group and Medicare Upgrades LLC. He is also involved with Unify Payroll, LLC and Unify CPAs, businesses he has been connected with for over a decade. United Advisor Group provides investment management, financial planning, consulting, and family office services to a diverse client base including individuals, small businesses, trusts, and charities. The firm employs a combination of proprietary model portfolios, third-party sub-advisors, and custom-traded accounts, tailoring strategies based on risk tolerance, tax considerations, and time horizons.

Quinn Mcelwee is a financial advisor with United Capital Financial Advisors in Fort Collins, CO, holding CFP® and Series 66 credentials and bringing 20 years of industry experience. His work history includes roles at Integrity Alliance, Lion Street Financial, Cetera Advisor Networks, and Girard Securities. Outside of advising, he is the owner of an agriculture Delaware statutory trust, where he manages design, legal, and funding responsibilities. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, and institutional clients. The firm employs discretionary portfolio management with customizable asset-allocation models and offers access to third-party managers, alternative investments, and specialized services such as 529 plan advice and 1031 exchange introductions.

Stephen Patterson II is a financial advisor with Diversify Advisory Services, LLC, holding the ChFC® and Series 63 designations and 15 years of industry experience. His prior roles include positions at The Leaders Group, Inc., BFC Planning, Inc., Securities Management and Research, Inc., and American National Insurance Company. He is a partner in Rocky Mountain Wealth Advisors, an investment management and advisory business based in Windsor, Colorado. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base including individuals, corporations, pension and profit-sharing plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification investment approach using a combination of internal models and third-party solutions across multiple platforms and a broad array of investment instruments and strategies.

Jerald Dunn is a CFP® professional with 46 years of industry experience, currently serving as an advisor at Savvy since 2026. His prior roles include positions at AdvisorNet Wealth Management, Goldman Sachs, United Capital Financial Advisers, LLC, and Girard Securities, Inc. Outside of advisory work, he co-owns Triwest, LLC, a real estate organization based in Fort Collins, CO, where he assists with organizational management. Savvy serves individuals, trusts, businesses, ERISA plan sponsors, and charitable organizations with customized investment and financial planning services. The firm employs a primarily index-based, long-term approach supplemented by active equity portfolios, tax-aware direct indexing, and integrates third-party fintech tools and specialized sub-adviser strategies.

Jonathan Mertens is a financial advisor with United Capital Financial Advisors in Fort Collins, CO. He holds a Series 66 designation and has eight years of industry experience. His prior roles include positions at TIAA, Lion Street Financial, and Waddell and Reed Financial Advisors. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, charitable organizations, and institutional clients. The firm offers discretionary portfolio management, third-party manager access, alternative investments, and customized strategies including ESG and faith-based options.

Lindsay Batezel is a CFP® and Series 66 credentialed financial advisor with eight years of industry experience. She is currently with ON Investment Management Company and previously worked at Valic Financial Advisors and Agia. Outside of her advisory role, she is a partial owner of Cake Co, LLC, which manages short-term rental properties. ON Investment Management Company serves individuals, families, trusts, charitable organizations, businesses, and plan sponsors by providing financial planning, portfolio management, and retirement-plan advisory services. The firm offers a range of third-party investment programs alongside discretionary and non-discretionary account management.

Laurence Bowers is a financial advisor at Gradient Advisors, LLC with 17 years of industry experience. He holds a Series 65 designation and has worked at Gradient Advisors since 2012. In addition to his advisory role, Bowers owns and operates Legacy Financial Resources, LLC, a financial services business, and Legacy Tax Services, LLC, which provides tax preparation. Gradient Advisors offers investment management, financial planning, and consulting services to a diverse client base including individuals, retirement plans, trusts, and businesses. The firm operates primarily through a network of Investment Advisor Representatives and third-party money managers, using a largely non-discretionary model and various analytical tools in portfolio management.

Wyatt Warberg is a financial advisor at Fortis Capital Advisors, LLC with one year of industry experience. He holds a Series 66 designation and previously worked at LPL Financial and New York Life. Outside of his advisory role, he serves as secretary on the board of the Janet Shea Education Foundation. Fortis Capital Advisors provides investment advisory and financial planning services to individuals, trusts, businesses, retirement plans, other advisers, and institutional clients. The firm offers customized portfolio construction across a range of strategies, managing accounts primarily on a discretionary basis.

Kristin Howe is a financial advisor at United Capital Financial Advisors with 29 years of experience in the industry. She holds Series 66 and Series 63 licenses and has worked at firms including Integrity Alliance, LLC, Lion Street Financial, CETERA Advisor Networks LLC, and Girard Securities, Inc. Howe has been with United Capital Financial Advisers, LLC since 2010. United Capital provides national financial planning and discretionary investment management to a diverse client base, including individual and high-net-worth households, retirement plans, and institutional accounts. The firm’s platform supports customized investment solutions and offers a range of affiliated services, including legal, trust, lending, and technology support for independent advisors.

Jonathan White is a financial advisor with Momentum Independent Network Inc. in Fort Collins, CO, holding Series 63, 65, and 66 licenses and with 43 years of industry experience. His prior firms include NTB Financial Corp. and National Securities Corp, where he worked for a combined seven years. Momentum Independent Network Inc. serves individual, corporate, institutional, and retirement plan clients with investment advisory, portfolio management, financial planning, and brokerage services. The firm offers multiple wrap-fee managed account programs and access to third-party platforms, combining discretionary and non-discretionary approaches with asset allocation, quantitative, fundamental, and technical analysis, as well as unique features such as municipal bond strategies and an FDIC-insured Bank Insured Deposit sweep program.

Benjamin Tesson is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Facet Wealth in Ft. Collins, CO. His previous roles include advisory positions at Plancorp, LLC, and the University of Missouri, Columbia. Facet Wealth offers subscription-based financial planning and discretionary investment management to individual clients, using a technology-driven approach that includes model-based asset allocations and proprietary algorithms. The firm serves a broad range of households through phone, video, and a proprietary web platform, emphasizing comprehensive planning and a flat subscription fee structure.

Daryl Fuchs is a financial advisor with Creativeone Wealth, LLC, holding a Series 65 credential and 17 years of industry experience. He has worked at ChangePath, LLC and Partnervest Advisory Services LLC and has been involved with Senior Advisory Group since 1984, where he serves as president. Outside of advisory services, he is engaged in life, annuity, disability, and health insurance sales through Senior Advisory Group. Creativeone Wealth, LLC provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm employs a diversified investment approach that includes proprietary ETF-based core models, third-party managers, boutique equity managers, and option-based strategies.

Julia Apodaca is a financial advisor at Modern Wealth Management, LLC with three years of industry experience. She holds a Series 65 designation and previously worked at Narrow Path Financial, Inc. and TD Ameritrade. Outside of advising, she has experience in retail business operations through prior roles at Studio DnD and Tressie Boutique Fort Collins, LLC. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base including individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers a range of services including discretionary investment management, modular financial planning, tax planning, estate planning, and insurance solutions.

Elisabeth Olson is a CFP® and holds a Series 66 license, with 10 years of industry experience. She has worked at The O.N. Equity Sales Company since 2019 and previously was employed at Waddell & Reed Inc. from 2016 to 2019. Olson serves on the board of Dementia-Friendly Communities of Northern Colorado, an organization focused on advocacy and support for people with dementia and their families. She is an advisor with ON Investment Management Company, a firm that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, families, trusts, charitable organizations, and businesses. The firm offers comprehensive and modular financial plans along with access to various third-party investment programs.

Katarzyna Quiroz is a financial advisor at Choreo, LLC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Beacon Pointe Advisors, Edelman Financial Services, and Raymond James Financial Services. Choreo serves a diverse client base that includes individual and high-net-worth investors, family offices, and institutional clients, offering services such as portfolio management, financial planning, and outsourced CIO solutions. The firm employs a quantitative and committee-driven investment process with a range of implementation strategies, including model portfolios and separately managed accounts.

Keith Weinman is a financial advisor at Financial Gravity Family Office Services, LLC with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Kingswood Capital Partners, LLC and Forta Financial Group, Inc. Outside of his advisory role, he dedicates a portion of his time to insurance-related activities as an independent agent. Financial Gravity Family Office Services, LLC provides comprehensive financial planning, investment management, and pension consulting services to individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm employs a range of investment strategies and frequently uses third-party sub-advisors while maintaining ongoing client oversight.

Reed Salony is a CFP® professional with 11 years of industry experience, currently working at Facet. His prior roles include positions at Empower Financial Services, Personal Capital Advisors Corporation, Lincoln Financial Advisors Corporation, and Northwestern Mutual Investment Management. Facet Wealth provides subscription-based financial planning and discretionary investment management to individual clients, serving both non-high-net-worth and high-net-worth households primarily through phone, video, and a proprietary web platform. The firm employs model-based asset allocations focused on exchange-traded funds and uses technology-driven processes, including machine-learning algorithms for tax optimization and portfolio management.

Kyle Machiz is a financial advisor with Principal Advised Services, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior work includes positions at Wells Fargo, Bank of America, Merrill, Morgan Stanley, and The Vanguard Group. Outside of finance, he has worked as a delivery driver for Instacart. Principal Advised Services provides investment advice and related services primarily to retirement plan participants and retail IRA clients. The firm offers both non-discretionary recommendations and a discretionary, wrap-fee investment management program, leveraging proprietary models and third-party methodologies while benefiting from its affiliation with Principal Financial Group.