Joseph Gibalski is a CFP® professional with six years of experience in the financial industry. He is currently with Schwab Wealth Advisory Inc., part of Charles Schwab, where he has worked since 2025. His previous experience includes roles at Fidelity Investments and Empower Retirement, as well as work in trading firms earlier in his career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not exercise discretionary trading authority directly for most clients.

Justina Pearman is a financial advisor at Cerity Partners LLC with 10 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining Cerity Partners in 2024, she worked at Janiczek Wealth Management, Charles Schwab, various insurance carriers for W&R Insurance Agencies, and Waddell & Reed, Inc. Cerity Partners is an SEC-registered investment adviser serving individuals, families, trusts, estates, corporations, charitable institutions, and institutional investors, advising on approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Susan Naes is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Her prior work includes roles at Merrill Lynch Pierce Fenner & Smith before joining Charles Schwab and Schwab Wealth Advisory in 2017. 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 standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Darrell Quam is a financial advisor at Creative Planning with 12 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Creative Planning in 2021, he worked at Lockton Financial Advisors, LLC, Lockton Investment Advisors, LLC, and Lockton Companies, LLC from 2013 to 2021. 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 assets and employs a financial planning-led investment approach featuring low-cost indexing and buy-and-hold strategies, supplemented by additional portfolio management techniques and a range of retirement plan services.

Stephanie Lopez is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience. She currently serves as a wealth advisor at Schwab Wealth Advisory, Inc., having previously worked at JP Morgan from 2016 to 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., focusing on client-directed investment decisions and conducting at least annual account reviews.

Stephanie Shadel is a CFP® professional with 16 years of industry experience, currently serving at Schwab Wealth Advisory since 2014. She has been affiliated with Charles Schwab in various capacities since 2009. Outside of her advisory role, she manages a personal rental property in Lone Tree, Colorado. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to support client decision-making. The firm conducts annual account reviews and operates as an internal advisory unit within the Schwab ecosystem.

Bryce Hefner is a financial advisor with Hornor, Townsend & Kent, LLC and holds a Series 66 designation with seven years of industry experience. His prior roles include positions at Harold W Hawkey and Northwestern Mutual Wealth Management Company. He serves as a board member for Blue & Gray Resources, a petroleum engineering company owned by his family. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, with a platform that includes third-party asset manager relationships and both discretionary and non-discretionary account options.

Nathaniel Jung is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab & Co. Inc. since 2009. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Jake Meyer is a financial advisor at Schwab Wealth Advisory with credentials including Series 66 and Series 63. He has one year of experience in the industry, having previously worked at Charles Schwab & Co., Inc. and held various roles outside finance including positions at Whole Foods Market and in education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations, utilizing Schwab’s asset allocation models and research tools, while clients maintain final trading authority.

Jessica Faleao is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has seven years of industry experience. She has been with Schwab Wealth Advisory since 2021 and has worked within the Charles Schwab organization since 2018. Prior to her financial services career, she worked briefly in hospitality and nonprofit roles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services that include financial reviews, retirement planning, 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 manage client assets on a discretionary basis.

Keith Brant is a Series 66-credentialed financial advisor with 14 years of industry experience. He is currently with Empower Advisory Group, where he has worked since 2023, and previously held roles at Personal Capital Advisors Corporation, Fluent Financial, and USAA Financial Advisors Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to IRA and retail brokerage account holders. The firm offers an integrated service model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing over short-term forecasts.

Cris McBride is a financial advisor with Kestra Advisory, holding the ChFC® designation and Series 63 and 66 licenses, with 29 years of industry experience. He has worked at Kestra Advisory since 2016 and has been associated with Kestra Investment Services, LLC since 1999. McBride operates a financial services business, M&D Financial Services, where he serves as owner and advisor, providing financial planning, securities, and insurance services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse client base including institutional and individual investors. The firm offers a range of services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients that include large institutional investors and sovereign wealth funds.

Dale Rottschafer is a CFP® and CFA® with five years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2023. Prior to this, he spent 13 years at Envestnet, Inc. Outside of his advisory role, he is involved in managing a non-agent real estate investment, handling tenant relations, rent collection, and property maintenance. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual 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 Charles Schwab ecosystem and does not directly charge clients fees.

Jacob Chandler is a financial advisor with TLG Advisors, Inc. based in Littleton, Colorado, holding Series 63 and Series 65 credentials and bringing 14 years of industry experience. He has previously worked at The Leaders Group, Inc., American Global Wealth Management, Capital Choice Financial Services, Ameritas Investment Corp, and CCF Investments, Inc. Outside of his advisory role, he operates an eBay business focused on purchasing and reselling video games and also works as an Uber Eats delivery driver. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, pension and retirement plans, and institutional investors. The firm emphasizes manager selection and ongoing monitoring using fundamental analysis and Modern Portfolio Theory, offering both sub-advisor managed portfolios and a direct-to-consumer digital program, Starlight Portfolios.

Elijah Martinez is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2020, including his current role at Schwab Wealth Advisory beginning in 2024. Prior to his career in finance, he worked at Elevation Corporate Health for one year. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program sponsored by Charles Schwab & Co., Inc. The firm offers financial reviews, planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Stephen Gordon is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and over 30 years of industry experience. His prior roles include positions at PFG Advisors, Securities America, Foothill Securities, and Cue Financial Group. Outside of advising, he is involved as an investor and board member of an ice rink in Superior, Colorado. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and municipal entities. The firm provides a range of services including investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple program models and a combination of proprietary and third-party platforms.

Claire Cox is a CFP® and holds a Series 66 license, serving as a financial advisor at Schwab Wealth Advisory since 2022. She has four years of industry experience and previously worked at Northrop Grumman and in other roles outside the financial sector, including as a self-employed nanny. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm serves individual clients through annual financial reviews and investment guidance but does not exercise discretionary trading authority.

Edward Gerber Jr. is a financial advisor at Mariner with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including Jenkins Wealth, Stephen A. Kohn & Associates, Royal Alliance Associates, and Transamerica Capital. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolio strategies supported by an Investment Committee and an internal management team, with a notable integration of tax and accounting services.

Roger Martin is a financial advisor with Centaurus Financial, Inc. in Highlands Ranch, CO, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with Centaurus Financial since 2008 and maintains involvement with Charter Financial Resources and Legacy Marketing Group. Outside of advising, he operates a 1950s event center for meetings and celebrations. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and foundations. The firm offers financial planning, portfolio management, and retirement-plan consulting through a variety of investment approaches and discretionary arrangements.

Loren Archuleta is a financial advisor with Schwab Wealth Advisory in Lone Tree, CO, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Schwab Wealth Advisory since 2021 and has been with Charles Schwab & Co., Inc. since 2018. Prior to that, he was employed at Wells Fargo Bank N.A. from 2015 to 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions made by clients.