Samantha Martinez is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2021, previously working at T. Rowe Price from 2017 to 2021. Prior to her finance career, she held management roles in the restaurant industry. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory model from many other enterprise wealth managers.

Vance Rusley is a CFP® professional with 11 years of industry experience, currently serving at Empower Advisory Group since 2023. Prior to that, he worked at Personal Capital Advisors from 2016 to 2023. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage clients. The firm’s approach focuses on long-term portfolio returns, annual rebalancing, and clients’ savings rates within an integrated model tied to Empower’s administrative platforms.

Jill Ruckle is a financial advisor with Kestra Advisory who holds the Series 66 and Series 63 designations and has 15 years of industry experience. She has worked at Kestra Advisory since 2025 and previously held roles at Kestra Investment Services, Royal Alliance Associates, and Rountree & Associates. Outside of her advisory work, she is involved as a securities manager at Personal Benefit Advisory, Inc., where she serves as the primary point of contact for advisors providing financial services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients such as sovereign wealth funds and providing access to multiple management platforms and third-party solutions.

Michael Castillo is a financial advisor with Key Investment Services LLC in Denver, CO. He holds Series 63 and Series 66 designations and has 37 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, Fidelity, Northern Trust Securities, and Banc of America Investment Services. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, model portfolios, and managed account solutions. The firm emphasizes client-directed investment choices supported by non-binding recommendations and ongoing monitoring, while also providing access to third-party discretionary managers and supervisory oversight.

Benjamin Massa is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Luna Freight. Outside of finance, he was involved with the United States Hang Gliding and Paragliding Association in 2019. 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 supported by Schwab’s asset allocation models and research tools.

Lu Hartley is a financial advisor at Empower Advisory Group with two years of industry experience. Hartley holds the Series 66 designation and has previously worked at Charles Schwab & Co., Inc. and TIAA-CREF Individual & Institutional Services, LLC. Outside of finance, Hartley has experience in the wellness and hospitality industries, including roles at Renew Massage Studio and The Woodhouse Day Spa. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and clients' savings rates through point-in-time financial plans and optional managed account solutions.

Jacob Schwinn is a CFA® charterholder with 17 years of industry experience. He is currently with Cresset Asset Management, LLC and has worked there since 2021. Prior to joining Cresset, he spent 12 years at J.P. Morgan Private Bank. Outside of finance, Schwinn serves as Vice President of Schwinn Construction Company. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets. The firm serves individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles, employing a disciplined, risk-aware approach that includes strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes.

Colleen Ellingboe is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Charles Schwab since 2013, including five years at Charles Schwab Bank and one year at Schwab Wealth Advisory Inc. 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 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 charge clients directly for advisory services.

Angelo Patrick Tarol is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds the Series 66 and Series 63 licenses and has prior experience at Wells Fargo and ADP Philippines. 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 clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and savings rates.

John Carrillo is a financial advisor at NewEdge Advisors in Denver, CO, holding Series 65 and Series 63 licenses with one year of industry experience. His prior roles include positions at Charles Schwab & Co., Inc., Athens Real Estate Group, Tidewater Equipment Co., and Sea Island Resort, alongside four years dedicated to full-time education. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent investment adviser representatives. The firm provides a range of portfolio management, financial planning, and consulting services, combining in-house and third-party strategies supported by centralized due diligence and technology tools.

Robert Gorski is a financial advisor with Valic Financial Advisors in Lakewood, CO, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has been with Valic Financial Advisors since 2005 and has also worked with Agia since 2022 in a non-securities insurance capacity. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and operating at scale with over 1,200 advisors.

Harrison Hodges is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Personal Capital Advisors Corporation and Charles Schwab. Outside of his advisory role, Hodges is involved in mortgage loan origination, assisting clients with home financing through his business, Hodges Strategies LLC. 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 retail brokerage account holders. The firm’s services combine proprietary and third-party financial planning methodologies with integrated recordkeeping and administrative platforms.

Dane Winter is a financial advisor at Kestra Advisory with 11 years of industry experience. He holds the CFP® and Series 63 credentials and has been with Kestra Advisory since 2018. Winter serves on the AssetMark Field Advisory Board, which involves providing feedback on platform initiatives and participating in strategic discussions. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, and advisor-managed accounts. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple management platforms and third-party solutions within its supervisory framework.

Kate Morstad is a financial advisor with Kestra Advisory in Denver, CO, holding a Series 66 credential and 15 years of industry experience. She has worked at Kestra Advisory and affiliated entities since 2017 and previously spent eight years with Ameriprise Financial Services. Outside of advisory work, she serves as a notary and has responsibilities supporting office administration. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts, supporting clients such as large institutional investors and sovereign wealth funds.

Michael Mayer is a CFP® professional with 11 years of industry experience. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having joined both firms in 2026. His prior experience includes roles at Fidelity Investments and TIAA. Outside of his advisory work, he is involved with Windschrift LLC, a private trading business. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and uses proprietary research tools and standard asset allocation models to guide client decisions without discretionary trading authority.

Jason Timpe is a CFP® certificant with 22 years of industry experience. He currently works at Schwab Wealth Advisory, where he has been employed since 2020. His prior experience includes roles at Polaris Greystone Financial Group and Fidelity, where he worked for over 15 years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses proprietary Schwab research tools and standard asset allocation models to deliver investment recommendations, focusing on annual reviews without discretionary trading authority.

Samuel Keck is a financial advisor with Osaic Advisory Services, LLC, holding a Series 63 designation and over 33 years of industry experience. His career includes roles at Parkland Securities and Triad Advisors, and he is involved in life insurance sales through Clearview Financial, LLC. Keck also serves as president of Asset Fortress Group, Inc., which provides business valuation reports, and works as an independent contractor for a company specializing in software sales related to life insurance. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of investment and financial planning services delivered through multiple program models and utilizes proprietary and third-party platforms for portfolio management.

Jacob Litzau is a financial advisor with TIAA-CREF in Westminster, CO, holding Series 63 and Series 66 credentials and has 28 years of industry experience. He has been with TIAA and its affiliate since 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both model and customized portfolio management within a fiduciary framework while also serving as adviser to a donor-advised fund.

Robert Ladislao is a financial advisor with TIAA-CREF in Glendale, CO, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with TIAA since 2005. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with existing relationships through TIAA-administered retirement plans. The firm operates a vertically integrated advisory model that includes customized portfolio management and acts as adviser to a donor-advised fund.

Christopher Fernon Jr. is a financial advisor with Schwab Wealth Advisory and has 12 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Charles Schwab since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to recommend investments, with final trading decisions left to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.