Rafe Kinder is a CFP® professional with Moneta Group Investment Advisors, LLC in Denver, CO. He joined Moneta in 2022 and has prior experience working at Black Pepper Pho and in educational roles at the University of Colorado - Boulder and Valor Christian High School. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and various institutional clients, offering portfolio management, financial planning, and family office services. The firm uses a Partner-led Team model supported by a centralized Investment Department and provides diversified, multi-asset allocation strategies along with specialized services for unique client segments.

Bruce Kendrick is a financial advisor at Hightower Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Hightower since 2020, following four years at Frontier Investment Management Co. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers services including discretionary portfolio management, financial planning, and retirement plan consulting.

Bradley Steffen is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously 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, along with Empower Premier IRA and retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within an integrated platform tied to Empower’s recordkeeping and administrative services.

Ashli Collins is a financial advisor at CWM, LLC with eight years of industry experience. She holds a Series 66 designation and has previously worked at Carson Wealth, DMK Advisor Group, Aveo Capital Partners, Charles Schwab Bank, Charles Schwab & Co., Inc., and Nexenta Systems Inc. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of partner offices and more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an internal Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Caleb Bitner is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked in various roles including client service and insurance sales focusing on annuities, life insurance, and Medicare plans. Prior to his current position, Caleb has experience in hospitality and retail sectors. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Michael Jungman is a CFP® with 17 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. since 2016. He is also the owner and founder of Blazing Bulls, an internet services business. His career includes extensive involvement with Charles Schwab & Co., Inc. dating back to 2008. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial planning and investment recommendations using standardized asset allocation models and Schwab research tools. The firm operates within the Charles Schwab ecosystem and focuses on individualized advice without discretionary trading authority.

Thomas Whisenant is a CFP® with 10 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2021. Prior to this, he spent five years at TIAA. Outside of his advisory role, he is involved in managing a short-term rental for his primary residence. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools, with clients making final trading decisions.

Joseph Defrank is a financial advisor with Ameritas Advisory Services, LLC, holding the ChFC® designation and Series 63 license, with nine years of industry experience. He has held roles at Canvas Financial/Boom Planning, Corfee & Associates/Unbridled Wealth, TD Ameritrade, and Ameritas-related firms. Outside of advisory work, he is involved as a life insurance agent with Corfee & Associates/Unbridled Wealth and Canvas Financial/Boom Planning. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a broad client base, including individual investors, retirement plans, charitable organizations, and corporations. The firm offers a variety of managed account programs and integrates multiple custodial platforms, supporting both discretionary and non-discretionary advisory relationships.

Timothy Cunningham is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Schwab Wealth Advisory and has been associated with Charles Schwab and its related entities since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering services including financial reviews, retirement and planning discussions, and investment recommendations using 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 approach from many other enterprise wealth managers.

Jaclyn Marshall is a financial advisor at Farther with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Farther, she worked at Modern Capital Group LLC and Regiment Securities. She is also the founder of J Blue Production, an independent communications consultancy focused on strategic communications. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach uses Modern Portfolio Theory, proprietary model portfolios, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, and individual securities.

Dean Lewis is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously founded and led Lewis Wealth Management, LLC for 15 years. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, business owners, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based investment approach focused on globally diversified, risk-appropriate portfolios using low-cost index vehicles and tax-managed strategies.

Huntor Rainwater is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones, GWFS Equities, and Advised Assets Group. Prior to his advisory career, he was employed at the University of Northern Colorado and Heritage Todd Creek Golf Club. 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 clients. The firm’s services combine proprietary and third-party planning methodologies with integration into Empower’s recordkeeping and administrative platforms.

Joseph Almon is a CFA® charterholder with 17 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2023 after a long tenure at Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering investment recommendations and financial planning through a standardized model within the Schwab ecosystem.

Sara Dickson is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and also has roles with Strategy Design LLC and Netlaw Group, where she acts as a referral agent for estate planning services. Outside of advising, she is involved in sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party investment models and offers a mix of discretionary and non-discretionary program options.

David Schwendtner is a financial advisor with GWN Securities Inc. in Greenwood Village, CO, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at Ameritas Investment Corp., Capital Choice Investment Advisers, and Rock Solid Wealth Management. Outside of advising, he participates in the Dave Ramsey SmartVestor Pro program and serves as an independent insurance agent offering various insurance products. He is also a part-time caregiver for his son, who has special medical needs. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through a large network of approximately 423 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of investment strategies including legacy market-timing and momentum-based approaches.

Wayne Bellinger Jr. is a financial advisor at OSAIC Institutions, Inc. with 24 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior roles include positions at Bellco Credit Union and CUSO Financial Services, LP. 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, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Alyson Williamson is a financial advisor at Empower Advisory Group with eight years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes positions at GWFS Equities, Inc. and O'Meara Ford. 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 emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Jacob Phillippi is a Series 66-credentialed financial advisor with six years of industry experience. He currently works at Valic Financial Advisors and has prior experience with Agia, Cerner Corporation, and the University of Missouri. Outside of advisory services, he is involved as an agent offering non-securities insurance products. Valic Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm provides portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and a range of overlay services on Envestnet’s platform.

William Smith is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 licenses and four years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc., and previously held positions outside finance including at McDonald Automotive Group and the University of Colorado at Boulder. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and is compensated by Charles Schwab & Co. rather than directly by clients.

Nathan Kubik is a financial advisor at Focus Partners Wealth, LLC with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Kovitz Investment Group Partners, LLC; Transform Wealth, LLC (formerly Carnick & Kubik Group, LLC); Carnick & Kubik, LLC; Northland Securities, Inc.; and Guggenheim Investments. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.