Edward Berra is a financial advisor at TIAA-CREF with Series 63 and Series 65 credentials and 30 years of industry experience. He has been with TIAA-CREF since 1997. Outside of his advisory work, he serves as vice president and independent distributor for Whole Spectrum, Inc., a company involved in nutritional products. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers model and customized portfolios managed under fiduciary standards within a vertically integrated structure that includes affiliated funds.

Daniel O'Neill is a CFP® professional at Concurrent Investment Advisors, LLC with 27 years of industry experience. He has worked at firms including Raymond James Financial and LPL Financial. O'Neill is also the owner of O'Neil Financial Management, a support company unrelated to investment activities. Concurrent Investment Advisors is an SEC-registered multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement plan advisory services, focusing on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles.

Jeremy Robbins is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2021. Prior to this, he held roles at Frontier Wealth Management, Moss Adams LLP, Ernst & Young, and the University of Illinois-Chicago. Cerity Partners provides customized wealth management and related services to a diverse national client base, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation and manager selection strategies, integrating proprietary quantitative screens with third-party managers and individual securities, and also maintains affiliated practices in pension consulting, insurance, venture investing, and private market offerings.

Zarina Stankov is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has been with Charles Schwab since 2016 and previously worked at Fidelity from 2013 to 2016. 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 through the Schwab platform while leaving final trading decisions to clients.

Alex Graesser is a CFP®, ChFC®, and holds a Series 63 license with nine years of industry experience. He currently works at Empower Advisory Group and has prior experience with Personal Capital Advisors Corporation and Northwestern Mutual. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within an integrated model linked to Empower’s administrative platforms.

Kimberly Gustafson is a Series 66-licensed financial advisor with seven years of industry experience. She currently works at Key Investment Services LLC and has prior experience at firms including The O.N. Equity Sales Company, Colorado Financial Advisors, and Wells Fargo Bank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and investment offerings. The firm emphasizes client-directed investment decisions supported by model selection and ongoing monitoring, and it operates within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Anna Walters is a financial advisor at Sanctuary Advisors, LLC with 11 years of industry experience. She holds the Series 66 designation and has previously worked at Merrill and Bank of America. Walters has been with Sanctuary Advisors and its related affiliate Sanctuary Securities since 2022. Sanctuary Advisors, LLC serves a broad range of clients including individuals, corporations, pension plans, trusts, estates, and charitable organizations through more than 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, retirement consulting, and access to multiple account platforms, employing diverse analytical approaches and maintaining a fiduciary standard when agreements are in place.

Heather Lore is a financial advisor with Hightower Advisors, holding a Series 66 designation and 18 years of industry experience. She has worked with Hightower Advisors since 2017 and previously spent ten years at UBS Financial Services. Outside of her advisory role, she works part-time as a waitress at a restaurant. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach and proprietary research. The firm’s services include portfolio management, financial planning, and retirement plan consulting, with experience managing both domestic and international mandates.

Peggy Timm is a financial advisor with Principal Financial Services in Denver, CO, holding a Series 66 designation and 13 years of industry experience. She has worked with Princor Financial Services Corporation and Principal Life Insurance Company since 2012. Additionally, she serves as a bank officer for Principal Bank and Principal Trust Company, supporting management of retirement account information across the firm’s insurance, broker-dealer, and bank/trust divisions. Principal Securities provides brokerage and advisory services to a broad client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and third-party money manager asset allocation solutions.

Toria Troxel is a financial advisor at Eagle Strategies (NY Life) based in Denver, CO, with five years of industry experience. She holds Series 65 and Series 63 licenses and has worked at firms including True Peak Partners LLC and Capital Edge Insurance & Financial Services, Inc. Troxel serves as a board member for several alumni and community organizations focused on Asian networks and education. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers a range of program types and emphasizes tailoring recommendations to client objectives, managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Tracey Watkins is a financial advisor at Commonwealth Financial Network with a Series 66 designation. She has one year of experience in the industry and has previously worked at Hadad-Milinazzo Financial Group Inc. and Towers Wealth Management. Watkins’s background includes roles outside of finance such as event staffing and education. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $210 billion in client assets. The firm offers a range of managed account programs, third-party asset manager access, and comprehensive back-office support for individual and institutional clients.

Colton Jones is a financial advisor with PlanMember Securities Corporation in Littleton, CO, holding Series 63 and Series 65 credentials and having one year of industry experience. He is also the owner of Helios Visionary LLC, a tax entity. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering fiduciary management, participant education, and a range of risk-based mutual fund portfolios guided by a top-down strategic asset allocation process.

Peter Dickson is a financial advisor with Transamerica Financial Advisors, holding Series 63, 65, and 66 credentials and three years of industry experience. His prior work includes roles at Sprint and WFGIA, and he is also a managing partner of Dixinco LLC. Transamerica Financial Advisors serves a broad client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment models.

Keri Cordova is a financial advisor at TIAA-CREF with 25 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with TIAA-CREF since 2006. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides a range of managed accounts with varying levels of customization and applies a fiduciary standard to its advisory services.

Shelby Trinkino is a CFP® professional with 35 years of industry experience, currently serving at Commonwealth Financial Network since 2013 and also associated with Independent Wealth Strategies since 2022. She holds multiple securities licenses including Series 63, 65, and 66. Outside of her advisory work, Shelby owns a private securities business and is involved in fixed insurance sales. Commonwealth Financial Network is a registered investment adviser supporting a national network of nearly 3,000 advisors with advisory programs, wealth management, and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support while offering a range of discretionary model portfolios and program structures to affiliated advisors.

Michael Tomlin is a financial advisor at Empower Advisory Group with 24 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior experience includes positions at Prudential Insurance Company of America and Massachusetts Mutual Life Insurance Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage clients. The firm offers integrated services through Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Jesse Maggio is a CFP® with 13 years of industry experience, currently serving at Mariner. His prior roles include positions at Msec, LLC, Kummer Financial Strategies, LLC, Key Investment Services, and Key Bank. Mariner is an enterprise firm serving a diverse client base, including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, retirement consulting, and tax services. The firm combines in-house research with third-party managers to provide customized portfolios and also emphasizes tax and accounting integration, administrative CFO services, and employer financial-wellness tools.

David Richards is a financial advisor with Primerica Advisors in Parker, CO, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Park Avenue Securities and Guardian Life Insurance Company since 2024, and has been with Primerica Advisors and Guardian Life Insurance Co of America since 2008. Richards also engages in selling insurance products outside of Guardian as an independent contractor. Park Avenue Securities LLC serves a diverse retail client base, offering both transaction-based brokerage and fee-based advisory services, including financial planning and retirement-plan consulting. The firm utilizes a range of investment strategies through proprietary and third-party managers and supports multiple advisory programs with various account-level features.

Janet Kariuki is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab and Schwab Wealth Advisory since 2021. Outside of her advisory role, Janet is also a singer and songwriter who writes and records music for production. 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 asset allocation models.

Jamie Cremeans is a financial advisor at Empower Advisory Group with 20 years of industry experience. He holds the Series 66, Series 65, and Series 63 designations and has worked at GWFS Equities, Inc., TD Ameritrade, and Empower Retirement Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates within plan lineups selected by plan sponsors.