Robin Lilly is an advisor at Transamerica Retirement Advisors, LLC with Series 63 and Series 65 licenses. Although new to the financial industry with less than a year of experience, Lilly previously operated Little Lilly's Island Deli for 14 years. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing proprietary software and portfolio models from Morningstar Investment Management. The firm manages a large client base with a focus on non-discretionary assets.

Sergio Lovato is a financial advisor at Hightower Advisors with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bluerock Capital Markets and Charles Schwab in various advisory and banking roles. Outside of his advisory work, he is a partner in short-term rental property ventures in Denver, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach features multi-manager solutions and a combination of proprietary and third-party research to support portfolio construction across various asset classes.

Morgan Hemauer is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He previously worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. Outside of his advisory role, Hemauer provides dog walking and pet sitting services. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on comprehensive financial reviews and investment recommendations using Charles 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.

Jason Boeckman is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TIAA and TIAA-CREF for 11 years. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed account offerings. The firm emphasizes client-directed model selection and ongoing monitoring while providing access to third-party discretionary managers and maintaining oversight through a Product Due Diligence Committee.

Michael Pasieka is a CFA® charterholder with 10 years of industry experience. He has worked at Empower Advisory Group since 2023 and was previously with Personal Capital Advisors Corporation starting in 2015. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates rather than short-term forecasts.

Bryan Knoebel is a CFP® professional with 12 years of industry experience, currently serving at Empower Advisory Group since 2023. He previously worked at Personal Capital Advisors Corporation from 2017 to 2023 and at Project Black Financial Technologies, LLC from 2013 to 2017. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and select retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and client savings rates in its planning services.

John Courier is a CFA® charterholder with 26 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Russell Investments and Northwestern Mutual Wealth Management Company. He is based in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed investment decisions.

John Baker is a financial advisor at Creative Planning with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Creative Planning since 2016. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment approach that combines low-cost indexing with supplemental strategies, supported by a large advisory team and centralized investment infrastructure.

Timothy Keating is a financial advisor with Cerity Partners LLC in Denver, CO, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously led Keating Wealth Management, LLC for nine years before joining Cerity Partners in 2024. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors, managing approximately $126.9 billion in assets. The firm offers a comprehensive range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified portfolios and a variety of affiliated capabilities.

Charles Diekmann is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has been with Charles Schwab since 2006 and joined Schwab Wealth Advisory in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm delivers advice through standard asset allocation models and Schwab research tools, with final trading decisions made by clients.

Daniel Kuhl Jr. is a financial advisor at Empower Advisory Group with 14 years of industry experience. He holds a Series 66 designation and has worked at Empower Advisory Group since 2023 and Personal Capital Advisors since 2014. Outside of his advisory role, he operates Combat Press, LLC, where he contributes as a sports blogger. 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 account holders. The firm offers integrated services combining proprietary planning methodologies and managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

Gordan Post is a CFP® with 15 years of industry experience, currently affiliated with Focus Partners Wealth, LLC. He has held positions at Kovitz Investment Group Partners, Transform Wealth, The Milestone Group, and CoBiz Wealth. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients, offering a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Katheryn Pine Holmes is a CFP® professional at Empower Advisory Group with 21 years of industry experience. Her career includes roles at Fidelity Investments and various Fidelity affiliates spanning over a decade before joining Empower. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Grant Ferdinandsen is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 designations and five years of industry experience. His prior roles include positions at Empower Retirement and Northwestern Mutual. 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 offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Spencer Cure is a financial advisor with Wells Fargo Clearing in Centennial, CO, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Fidelity Investments, GWFS Equities, and Janus Distributors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services that are IPS-driven and grounded in modern portfolio theory. The firm’s investment menus include a broader set of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Sandra Conroy is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. She has been active in the financial services industry since August 1985, providing clients with wealth management services that address both individual and complex financial needs. Her professional focus includes education planning, executive compensation, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Sandra’s approach centers on developing personalized strategies tailored to clients’ short- and long-term financial objectives, emphasizing the importance of understanding life priorities beyond markets and returns. Her credentials include the Personal Investment Advisor (PIA) designation, and she holds a High School Diploma/GED from Greenville Central School. Prior to her financial career, Sandra managed Arthur Murray Ballroom Dance Studios in Florida and Arizona and became a franchise owner and operator in Denver. She also trained as a Medic in the U.S. Army Reserves. Outside of her professional work, Sandra is married with two children and three grandchildren. Her personal interests include dancing, golfing, and traveling.

Scott Barnes is a financial advisor with Charles Schwab & Co., Inc. He holds a Series 66 designation and has three years of industry experience, with ten years at Charles Schwab. He is based in Lone Tree, Colorado. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jackson Cook is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Charles Schwab Bank and Charles Schwab since 2016, following a year at Scottrade, Inc. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a structured alternative investments program.

Zakary Flitter Bilello is a financial advisor at Equitable Advisors with a Series 66 designation and three years of industry experience. His prior work includes positions at Spicer Jeffries, LLP, and various roles in retail and education sectors. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

David Koch is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Charles Schwab since 1997. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.