Ryan Kelty is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Denver. He has been with Merrill for nearly 20 years, including roles as a Wealth Management Banker in Philadelphia and Florida before assuming his current position in 2013. Ryan primarily works with individual families across the United States, focusing on connecting all aspects of their financial lives to help prioritize and pursue their most important goals. His areas of expertise include education planning, employee financial health, liquidity management, managing new wealth, portfolio management services, and retirement income. Ryan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Bloomsburg University. He integrates authentic engagement and a deep understanding of clients’ aspirational goals as a core part of his wealth advising process. Outside of his professional work, Ryan is a loyal husband, father, and friend. He married his wife, Karen, in 2010, and they have two children. The family enjoys the outdoor lifestyle in Colorado. Ryan’s personal interests include football, golfing, music, running, skiing, and yoga.

Adam Pettyes is a Financial Consultant at Fidelity Investments, a role he has held since 2020. He supports clients in navigating financial planning by adopting a holistic approach to understand their complete financial situation. He emphasizes trust and accountability in his work to help clients achieve confidence and peace of mind regarding their personal, professional, and financial objectives. Prior to his current position, Adam held several roles at Fidelity Investments including Program Manager for Sales Facilitation (2018-2020), Senior Regional Investment Consultant (2015-2018), and Internal Sales Representative (2014-2015). He began his financial services career as a Financial Representative at Northwestern Mutual from 2013 to 2014. Outside of his professional responsibilities, Adam's personal interests include attending concerts, hiking, outdoor adventures, skiing, and swimming.

Elisabeth Porrey is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She focuses on helping women, families, and business owners build confidence in their financial future. Elisabeth works closely with clients to develop personalized strategies that align their finances with their life goals, addressing complex financial decisions related to major life events, career growth, entrepreneurship, and evolving family priorities. Her areas of expertise include corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, small business strategies, women and wealth, and tax minimization. She is dedicated to building long-term relationships through thoughtful planning, disciplined guidance, and ongoing client engagement. Elisabeth leverages the investment capabilities of Merrill and the banking resources of Bank of America to support clients in navigating their evolving financial needs. Elisabeth holds a Bachelor's Degree from Texas Christian University and is a Personal Investment Advisor (PIA). Outside of her professional work, she enjoys cooking, golfing, interior decorating, pickleball, spending time with her family, and traveling.

Karlynn Schramm is a financial advisor at Raymond James & Associates with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including Gallagher Fiduciary Advisors, LLC, Triad Advisors, and Kestra Financial Services, Inc. She has also been involved in retirement plan consulting in leadership roles at Gallagher Benefit Services, Inc. and Gallagher Fiduciary Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing diverse portfolio management styles supplemented by firm research and model manager options.

Brian Roskamp is a financial advisor at Ameriprise in Denver, CO, with seven years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at TIAA-CREF from 2018 to 2022. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Christopher Thomas is a financial advisor at Ameriprise with six years of industry experience and holds a Series 66 designation. His work history includes various roles prior to joining Ameriprise in 2020. He is also a co-owner of YGB Operations LLC, a non-investment-related business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm emphasizes tax-aware withdrawal strategies and employs a collaborative, non-discretionary approach supported by internal research and third-party analysis.

Max Demby is a financial advisor with LPL Financial in Denver, CO, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Albert Frei and Sons, Inc. and Ernst and Young, LLP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a broad range of advisory and brokerage services. The firm offers various financial planning and investment management options, including access to third-party asset managers and institutional platforms.

Matthew Watson is a financial advisor with Edward Jones in Westminster, CO, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked in various roles at Salesforce, Mobile Epiphany, and Keyence Corporation of America. Outside of his advisory work, he has no active business responsibilities related to a rental property owned by his fiancé. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products.

Joshua Senkbeil is a financial advisor with Thrivent Investment Management based in Denver, CO. He holds a Series 66 designation and has six years of industry experience, including prior roles at UW-Madison and Carthage College. Outside of his advisory work, he is a managing member of Boesch Estates LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on holistic, goal-based analyses without discretionary trading authority. The firm emphasizes planning across various financial topics and integrates planning with managed-account services under a consolidated billing option called WealthPlan.

Jeff Warren is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, he worked with Wells Fargo Advisors LLC for seven years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Timothy Gomez is a financial advisor with LPL Financial in Wheat Ridge, Colorado, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2018 and has operated his own business, Timothy P Gomez, LLC, since 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services to individuals, institutions, and retirement plans. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Adam Starek is a financial advisor with Raymond James & Associates, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Raymond James, he was involved in the home building industry, working at Running Rabbit Home Building Inc. and Running Rabbit Fine Art In Home Building for a combined 13 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Charles Wham is a financial advisor at J.P. Morgan Securities in Denver, CO, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Talkot Capital LLC and Rocky Mountain Industrials Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

John Hogan is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Shelby Imes is a Financial Consultant at Fidelity Investments, a position held since 2021. In this role, Shelby partners with clients to implement and monitor financial plans, employing a personal and consistent approach to understand each client's unique situation. The goal is to customize financial plans to meet specific needs and empower clients with confidence in their financial strategies. Shelby has been with Fidelity Investments since 2016, progressing through several roles including Customer Relationship Advocate, Financial Representative, and Relationship Manager. This progression reflects experience in client relationship management and financial consulting within the firm. No information about Shelby's education, credentials, personal interests, or community involvement has been provided.

Andrew Clyne is a financial advisor with Osaic Wealth, Inc. based in Denver, Colorado, holding Series 63 and Series 65 credentials and having 16 years of industry experience. He has worked at firms including Securities America Advisors and Cambridge Investment Research, and he operates Aggregate Wealth Management as a DBA. Outside of finance, he teaches scuba diving as a Dive Master. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering a range of brokerage and advisory services alongside financial planning, retirement consulting, and access to managed accounts and third-party money managers.

Caroline Baumgart is a financial advisor with J.P. Morgan Securities in Denver, CO, holding Series 63, 65, and 66 licenses and 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2025, she worked at Merrill from 2022 to 2025. Baumgart serves as a board member and Public Relations Co-Chair for the Women's Estate Planning Council in Denver. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Sean Radnoti is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 licenses and has 22 years of industry experience. His work history includes roles at multiple Raymond James entities since 2013 and service in the U.S. Marine Corps from 1998 to 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and modeling tools, supports institutional consulting and portfolio management, and maintains unique municipal advisory affiliations and specialized retirement plan services.

Brian Williams is a financial advisor with LPL Financial in Denver, Colorado, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with LPL Financial since 2009 and is also associated with W Financial LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and various operational tools.

Emma Schmeling is a financial advisor at Robert W. Baird & Co. with two years of industry experience. She holds the Series 66 designation and has worked previously at Morgan Stanley and the League of Women Voters of Wisconsin. Outside of finance, she operated Beyond Vintage Furnishings for five years. Emma is part of the DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of manager-traded and model-traded strategies supported by internal research and technology.