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.

Travis Davis is a CFP® professional with 18 years of experience in the financial industry, currently serving at Schwab Wealth Advisory Inc. since 2012 and affiliated with Charles Schwab since 2008. He is based in Lone Tree, Colorado. Beginning in 2026, Davis will participate in the City of Lone Tree Planning Commission, contributing to the review of new local development projects. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm utilizes Schwab’s asset allocation models and research tools, with final trading decisions made by clients, and does not exercise discretionary trading authority.

Danica Athanassiou is a financial advisor with Empower Advisory Group who holds a Series 66 registration and has 17 years of industry experience. She has worked at Raymond James Financial Services and its affiliates from 2010 to 2021 and has been with Advised Assets Groups, LLC and GWFS Equities, Inc. since 2021. Outside of financial advising, she is involved in a retail aquarium business and owns an online shop selling vintage posters and paper goods. Empower Advisory Group provides financial planning and investment management primarily to employer‑sponsored retirement plan sponsors and participants, as well as to certain retail brokerage account holders. The firm’s services emphasize long‑term portfolio returns and are closely integrated with Empower’s recordkeeping and administrative platforms.

Jessica Klein is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2013. She has been affiliated with Charles Schwab since 2011. Outside her advisory role, she manages a rental property with her husband in Aurora, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and focuses on wealth management education without exercising discretionary trading authority.

Bradford Werth is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. His prior work includes roles at All Pro Pavement and Delta Payments. 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, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Kirk Diefenbach is a financial advisor at Empower Advisory Group with 28 years of industry experience. His background includes 19 years at Charles Schwab and Charles Schwab Bank. He holds Series 63 and Series 65 licenses. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage and IRA clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Adam Cansler is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has been with Charles Schwab in various capacities since 2011, including his current role at Schwab Wealth Advisory since 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools to guide clients, with final trading decisions made by the clients themselves.

Jesse Kellar is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2019 and has a total of ten years with Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm serves clients through annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Holden Rieping is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 63 and Series 66 licenses and has previous experience at T. Rowe Price and Fidelity 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 certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Austin Pettitt is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 credentials and four years of industry experience. His background includes roles at Schwab Wealth Advisory, Charles Schwab Bank, Charles Schwab and Co., Inc., TD Ameritrade, and service in the United States Army. Outside of finance, he works as a strength and conditioning coach specializing in sports performance and weight loss for active duty military and aspiring clients. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Valerie Pate is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. She has worked with Charles Schwab in various capacities since 2018 and spent a decade at Fidelity Investments prior to that. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm offers comprehensive financial reviews and investment recommendations but does not exercise discretionary trading authority.

Ryan Vehar is a CFP® professional with 25 years of industry experience currently serving at Schwab Wealth Advisory Inc. since 2012. He has worked within the Charles Schwab organization since 2000. Outside of his advisory role, he serves as District Finance Committee Chair for the Boy Scouts of America Firebird District in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm utilizes Charles Schwab’s research tools and asset allocation models, recommending investments while clients retain final trading decisions.

Phillip Lobato is a financial advisor with Transamerica Financial Advisors, holding a Series 65 designation and 17 years of industry experience. He has worked with Transamerica Financial Advisors since 2012 and has prior experience at Radio Frequency Systems and Wfgia. His other business activities include sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple program platforms to implement its advisory services.

Robert Lucker is a CFP® professional with 27 years of industry experience. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory, Inc. since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial planning and investment recommendations through standard Schwab asset allocation models and research tools, with client-directed trading decisions and at least annual account reviews.