Steven Kemp is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Charles Schwab since 2018 and joined Schwab Wealth Advisory in 2023. Prior to his financial career, he held positions at Enterprise Rent-A-Car, Blackjack Pizza, and Valvoline Instant Oil Change. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Jeffery Oconnell is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. He has worked with Guardian Life Insurance and Park Avenue Securities since 2014. Outside of his advisory role, he is involved in operating OC Sports LLC, which owns the facilities for a health and tennis club in Greeley, Colorado. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services alongside financial and retirement planning. The firm employs a variety of investment strategies through proprietary and third-party platforms, supporting both discretionary and non-discretionary account management.

Mark Stone is a financial advisor at Empower Advisory Group with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Advised Assets Group, LLC since 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns, annual rebalancing, and savings rates in its financial planning approach.

Alexander Alvarez is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. He holds a Series 65 designation and has worked previously with Swick & Associates, LLC, where he is a partner in a CPA firm providing accounting, tax, and payroll services. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with a long-term investment approach alongside shorter-term rebalancing trades.

Joseph Whitcomb is a financial advisor at Transamerica Financial Advisors with one year of industry experience. He holds Series 65 and Series 63 licenses and is also the president and founder of Whitcomb, Selinsky, PC, a law firm where he oversees a staff of attorneys and paralegals. His prior experience includes work with Wfgia. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, providing discretionary and non-discretionary investment options.

James Schindelar is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Transamerica Capital, Inc. and Gwfs Equities, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services integrated with Empower’s recordkeeping and administrative platforms.

James Allen is a financial advisor at Principal Financial Services based in Denver, CO, with 31 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Principal Securities since 1994 and Principal Life Insurance since 1993. Principal Securities offers brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm provides financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Colten Corey is a CFP® and CFA® credentialed advisor with eight years of industry experience, currently with Schwab Wealth Advisory. He has held positions across multiple Charles Schwab entities since 2017. Outside of financial advising, he works as a health and wellness representative for a medical supplies company specializing in essential oils. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering annual financial reviews, retirement planning, and tailored investment recommendations. The firm operates using standard asset allocation models and Schwab research tools, delivering advice without discretionary trading authority.

David Mauka is a financial advisor at Empower Advisory Group with five years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Empower, Mauka worked at Charles Schwab & Co., Inc. for six years and has experience in various other roles, including positions at Amazon and Randstad. 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 clients’ savings rates through point-in-time financial plans and optional managed account solutions.

Jonathan Vergara is a financial advisor at PNC Wealth Management with one year of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Colorado Credit Union, among other firms. Outside of his advisory role, he coaches the U12 team for Colorado United Soccer Club. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategy that uses algorithm-driven risk assessments and mutual funds or ETFs for investment implementation.

Josef Gray is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. Prior to joining Empower, he worked at Cognizant and Alorica. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Matthew Maiers is a financial advisor at Mariner Wealth Advisors with three years of industry experience. He holds a Series 65 designation and previously worked at Ameriprise Financial. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations through investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm employs customized discretionary portfolios supported by an internal investment team and third-party managers, and it offers integrated tax, accounting, and employer financial-wellness solutions.

Adolphe Cyr is a financial advisor with Guardian Life and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 37 years of industry experience and has been with Guardian Life in various capacities since 2008. He also provides insurance consultancy services focused on estate planning and business transition cases. He currently practices at Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America. The firm offers brokerage services, financial planning, and investment advisory programs to individuals, retirement plans, charitable organizations, and corporate clients.

Milton Murphy is a financial advisor at Centaurus Financial, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Centaurus Financial since 2018, after seven years at Sammons Financial Network. Outside of his advisory work, he owns and oversees a fitness testing facility, Body Fat USA, and conducts educational seminars on succession planning for financial advisors. Centaurus Financial provides advisory and brokerage services to a diverse client base including individuals, families, businesses, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, and specialized services such as retirement-plan consulting, employing both discretionary and non-discretionary arrangements that incorporate a range of analytical approaches.

Christopher Duncan is a CFP® professional with 26 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2000 and has been with Schwab Wealth Advisory Inc. since 2012. Based in Lone Tree, CO, he holds Series 63 and Series 66 licenses. 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 Charles Schwab & Co., distinct from many enterprise wealth managers in its fee structure and client service model.

Michael Hess is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His background includes roles at the Heartland Institute of Financial Education and Jeppesen Sanderson Inc. Outside of his advisory work, he owns ROCK BCC LLC, which is involved in coaching and consulting. Transamerica Financial Advisors serves a diverse 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 programs.

Michael Seal is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999 and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations across various asset classes while clients retain final trading decisions.

Daniel Lanskey is a financial advisor at Transamerica Financial Advisors with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Transamerica since 2014. Outside of his advisory role, Lanskey is involved with Net Law Group Inc., where he assists clients in estate planning by helping them obtain wills and trusts. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers a range of advisory and broker-dealer services featuring proprietary and third-party investment models, with discretionary and non-discretionary management options.

Lorenzo Alfonso is a Series 65-licensed financial advisor at Mariner with two years of industry experience. He previously worked at Grant Private Wealth Management, Inc. for four years. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolio strategies supported by in-house research and third-party managers, alongside integrated tax and accounting services uncommon at its enterprise scale.

William Richardson is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Schwab Wealth Advisory, Richardson worked at Robinhood Markets, Inc. and Prudential. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm serves clients using Schwab's asset allocation models and research tools, recommending investments while leaving final trading decisions to clients.