Sandra Arellano Diaz is a financial advisor with Empower Advisory Group in Greenwood Village, CO. She holds Series 63 and Series 65 licenses and has 10 years of industry experience. Her prior work includes roles at Gwfs Equities, Inc. and Aag. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with certain retail account holders. The firm’s integrated approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates, delivering services closely aligned with Empower’s recordkeeping and administrative platforms.

Christine Kirk is a CFA® charterholder affiliated with Focus Partners Wealth, LLC, based in Denver, CO. She has over a decade of industry experience, having worked previously at Envestnet Inc. and Strategies Capital Management before joining Focus Partners. Focus Partners serves a diverse client base including individuals, high-net-worth families, family offices, and institutional clients, offering comprehensive wealth management, financial planning, and advisory services. The firm’s investment approach combines active and passive strategies within a long-term, tax- and fee-sensitive framework.

Emily Baird is a financial advisor at Empower Advisory Group with 23 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Empower Financial Services and J.P. Morgan Institutional Investments since 2009. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated model incorporates proprietary and third-party planning methodologies focused on long-term portfolio returns and annual rebalancing.

Michael Harper is a financial advisor with Empower Advisory Group, holding a Series 66 designation and 11 years of industry experience. He previously worked at T. Rowe Price from 2015 to 2021 and currently advises through Advised Assets Groups, LLC and GWFS Equities, Inc. 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 within plan lineups selected by plan sponsors.

Earnest Hubbard IV is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds the CFP® and CFA® designations and has worked at firms including Windhaven Investment Management and ThomasPartners Investment Management. Hubbard has been with Charles Schwab and its affiliated advisory entities since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending allocations without discretionary trading authority while utilizing Schwab's proprietary research tools.

Derek Woodward is a financial advisor with Empower Advisory Group, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. He has worked with J.P. Morgan Institutional Investments Inc. and J.P. Morgan Retirement Plan Services LLC for 15 years and has been with Empower Financial Services since 2014. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm utilizes an integrated service model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Craig Collisson is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 designations. He has 11 years of industry experience, including over a decade at Charles Schwab and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews and investment recommendations based on 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 advisory services.

Karen Jessey is a financial advisor with Primerica Advisors in Greenwood Village, Colorado, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Primerica Advisors and Guardian Life Insurance Co. of America since 2008. Outside of her advisory role, she is involved in brokering insurance products and is associated with Phylstrong3 LLC and Kallos Colorado, LLC. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and retirement planning. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as lending solutions and donor-advised funds.

William Cassidy is a financial advisor with Osaic Institutions, Inc. He holds a Series 66 designation and has 18 years of industry experience. His prior roles include positions at Bellco Credit Union, CUSO Financial Services, LPL Financial, and Equitable Advisors. Outside of his advisory work, he is involved as an investor and partner in a private business focused on business management and marketing. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and emphasizing both discretionary and non-discretionary account management.

Thomas Mcandrews is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Schwab Wealth Advisory and has been associated with various Charles Schwab entities since 2015. Outside of his advisory work, he serves as a soccer referee for the Colorado Soccer Association in the Denver Metro Area. 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 Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed decisions without discretionary trading authority.

Tiffani Boskovich is a CFA® charterholder based in Denver, CO, with five years of industry experience. She currently works at Beacon Pointe Advisors, LLC and previously held roles at CFO4Life Group, LLC and U.S. Bank. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, and outsourced chief investment officer services to a diverse client base that includes individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party Independent Managers, employing both active and passive strategies across public and private asset classes.

Joshua Lewis is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. He has worked at Empower Financial Services, Carson Wealth, and Edward Jones. Outside of his advisory role, he facilitates a premarital communication workshop. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, offering point-in-time financial plans and optional managed account solutions integrated with Empower’s recordkeeping and administrative platforms.

Graham Harms is a financial advisor at Empower Advisory Group with a Series 65 designation and two years of industry experience. He previously worked at Covered Insurance and Berkeley Research Group LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Ryan Eslinger is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 66 and Series 63 credentials and eight years of industry experience. Prior to joining Empower Financial Services in 2025, he worked at DePuy Synthes and Hanson Clinic. 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 account holders, using an integrated service model linked to recordkeeping and administrative platforms.

Theodore Fall is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and affiliated with Charles Schwab since 2006. 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 using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing itself from many enterprise wealth managers.

Devin Statham is a financial advisor with First Command Advisory Services in Aurora, Colorado. He holds a Series 66 designation and has seven years of industry experience, including 25 years of prior service in the United States Air Force. He is the owner of Collaborative Works LLC, an investment-related business. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and wrap-fee asset management programs using model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Luke Hanna is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds a Series 66 designation and has been with Charles Schwab and its affiliated entities since 2015. 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 based on 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, distinguishing its operating model from many other enterprise wealth managers.

Van Lam is a financial advisor at TLG Advisors, Inc. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Leaders Group Inc since 2011. 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 investment supervisory and portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios.

Elizabeth O Connor is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with The Huntington Investment Company and The Huntington National Bank since 2022, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other business entities with advisory and brokerage services. The firm offers multiple wrap-fee programs through an open-architecture model that integrates third-party and proprietary investment strategies.

Madeline Genita is a financial advisor at Empower Advisory Group with Series 66 and Series 63 licenses and one year of industry experience. Her prior work includes roles at Foundever, Infosys BPM Limited, and Concentrix. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients, using a model integrated with Empower’s recordkeeping and administrative platforms.