Andrew Mc Morrow is a financial advisor with Schwab Wealth Advisory who holds the Series 63 and Series 66 designations and has 10 years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab prior to joining Schwab Wealth Advisory in 2023. Outside of his advisory work, he serves as an ice hockey referee in the Denver Metro area and is a parent volunteer team treasurer for the Colorado Rapids Youth Soccer Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm conducts annual account reviews and offers investment recommendations without exercising discretionary trading authority.

Patric Mclaughlin is a CFA® charterholder with 27 years of industry experience, currently serving at D.A. Davidson & Co. in Denver, Colorado, where he has worked since 2007. He holds a passive partnership interest in Bigelow Asset Management, LLC, from which he receives distributions but is not actively involved. D.A. Davidson & Co. offers investment advisory and brokerage services to a broad client base, including retirement plans, individuals, charitable organizations, and corporations. The firm operates under fiduciary standards and provides services such as ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for high-net-worth clients.

Ivan Kostadinov is a financial advisor with Empower Advisory Group holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at KeyBank and Allied Universal Security, along with eight years at BestBuy before entering the financial sector. Kostadinov has worked at Empower since 2024 in both Empower Financial Services, Inc. and Empower Advisory Group. 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 uses an integrated model connected to Empower’s recordkeeping and administrative platforms and focuses on long-term portfolio strategies with annual rebalancing.

Keith Morrow Jr. is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 credentials and eight years of industry experience. Prior to joining Empower in 2023, he worked at GWFS Equities, Inc. from 2017 to 2023 and has experience with Dickinson Fleet Services. Outside of his advisory role, he serves as a referee for sports programs in Denver. 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 account holders. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

George Verbrugge is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. His career includes roles at Transamerica Capital, Inc., WFG, and Advocate Health Advisors. He also serves as a referral partner for NetLaw, assisting clients with affordable legal documents such as wills and trusts. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory strategies and supports its large advisor network through multiple program platforms.

Ilario Kane is a financial advisor at Empower Advisory Group with the Series 66 designation and less than one year of industry experience. Prior to joining Empower, he has held various roles across multiple industries, including positions at Power Home Remodeling and Alpine Modern Cafe. 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, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

Courtney Babb is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2015. She has been associated with Charles Schwab & Co., Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem and emphasizes client-directed decision-making supported by Schwab’s research tools and standard asset allocation models.

Erin Hadary is a CFP® and holds a Series 66 license, with 13 years of industry experience. She has worked at Moneta Group Investment Advisors, LLC since 2019, following roles at Dunston Financial Group and ELH Consulting Services. 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 operates with Partner-led Teams supported by a centralized Investment Department, focusing on diversified, multi-asset allocations and tailored client plans.

Nicholas Yeros is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2017, including his current role at Schwab Wealth Advisory since 2021. Prior to that, he spent one year at Atmos Energy Corporation. 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 standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Amanda Reynolds is a financial advisor with Integrity Alliance, LLC in Denver, Colorado. She holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Integrity Alliance, she worked briefly at BFC Planning, Inc. and Securities Management & Research, Inc., and she has been associated with Huff and Associates Inc. for over two decades. Outside of her advisory role, she owns and manages Honey B's Macaron, a bakery business. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm provides continuous asset management, financial planning, and consulting services using a variety of investment approaches and platforms.

Jeffrey Baclawski is a CFP® and ChFC® with 25 years of industry experience. He has worked at Schwab Wealth Advisory since 2017 and has prior experience at Strategic Advisers, Inc. and Fidelity Brokerage Services LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab's asset allocation models and research tools to recommend investments while leaving final trading decisions to clients, conducting annual account reviews without discretionary trading authority.

Oksana Doncila is a Certified Financial Planner (CFP®) with 21 years of industry experience. She currently works at Empower Advisory Group and previously held roles at Personal Capital Advisors Corporation and Wells Fargo. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach includes point-in-time financial plans and optional managed account solutions, with a focus on long-term portfolio returns and integration with Empower’s recordkeeping and administrative platforms.

Benjamin Sia is a financial advisor at Empower Advisory Group with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Great-West Investments and Putnam Investments. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms.

William Carron is a financial advisor with Empower Advisory Group in Greenwood Village, CO. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior work includes roles at GWFS Equities, Charles Schwab, Waddell & Reed, and OppenheimerFunds Distributor, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm’s approach emphasizes integrated services linked to Empower’s administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Carolyn Meske is a financial advisor at Oppenheimer with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Oppenheimer since 2010. Prior to that, she was with AllianceBernstein L.P. and Neuberger Berman BD LLC. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, employing both discretionary and non-discretionary strategies across equity, balanced, and fixed-income portfolios.

Samim Syed is a financial advisor at Hornor, Townsend & Kent, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Digital Wealth Partners, Penn Mutual Life Insurance Company, and Northwestern Mutual. Outside of his advisory role, he is the CEO of a greentech company, EVChargeMe, and owns an insurance brokerage specializing in insurance sales and service. 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 provides both discretionary and non-discretionary account options and integrates third-party asset managers under a comprehensive supervisory framework.

Valeria Vallecillo is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds the Series 66 and Series 63 designations. Her prior experience includes roles at Fidelity Investments and Merrill Lynch. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm integrates multi-asset, multi-manager strategies and operates with a combination of large institutional scale and unique market roles, including in-house research and derivatives services.

Richard Colwell is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 designations and possessing 10 years of industry experience. He has worked at Gwfs Equities, Inc. since 2016. 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 account holders. The firm’s integrated model is closely tied to Empower’s recordkeeping and administrative platforms and includes both point-in-time financial plans and optional managed account solutions.

Douglas Disbrow is a financial advisor at VOYA Financial Advisors, Inc. with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at Fidelity, Merrill, and Bank of America, and he has also worked as a DoorDash delivery driver. VOYA Financial Advisors serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and plan-sponsor consulting through multiple program structures, emphasizing recommendation-based advice over discretionary management.

Jeff Sampson is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 65 and Series 63 licenses and 18 years of industry experience. He has been with GWFS Equities, Inc. since 2016. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrated services linked to Empower’s recordkeeping and administrative platforms.