Cory Rau is a Certified Financial Planner® with 12 years of industry experience. He is currently with Schwab Wealth Advisory and has held positions within Charles Schwab and Raymond James Financial Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Casilda Gorozpe is a CFP® professional with 16 years of industry experience, currently with Empower Advisory Group. Her prior roles include positions at GWFS Equities, Inc., Transamerica Investors Securities Corporation, and Waddell & Reed, Inc. She also worked at Museo De Las Americas from 2016 to 2020. 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’s approach integrates planning and portfolio management with Empower’s recordkeeping and administrative platforms.

Homira Rich is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Schwab Wealth Advisory since 2023 and previously held roles at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, and Scottrade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with final investment decisions made by clients and account reviews conducted at least annually.

Wendy Knott is a CFP® with 25 years of industry experience and is affiliated with Empower Advisory Group. She has worked at Gwfs Equities Inc. since 2003. Outside of her advisory work, she is an independent sales consultant for Norwex, a company specializing in household cleaning products. 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 integrated service model emphasizes long-term portfolio returns and savings rates, delivering both point-in-time financial plans and optional managed account solutions.

Jonathan Spors is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 credentials and has 32 years of industry experience. He previously worked at TIAA-CREF for 14 years and joined Schwab Wealth Advisory in 2021. Outside of advisory work, he has owned a real estate business since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews, planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Mark Barczuk is a financial advisor at Benjamin F. Edwards & Company, Inc. with 29 years of industry experience. He has been with Benjamin F. Edwards & Co since 2014 and holds a Series 63 designation. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving individuals, pension and profit-sharing plans, charitable organizations, corporations, and other institutions. The firm offers a range of services including fee-based wrap programs, financial planning, and investment management consulting, supported by several hundred advisors and tens of billions in assets under management.

Joseph Mills is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 credentials and specializing in the industry for 10 years. He has been with Gwfs Equities, Inc. since 2015. 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 integrates proprietary and third-party methodologies focusing on long-term portfolio returns and client savings rates, with services linked to Empower’s recordkeeping and administrative platforms.

Thanh Le is a financial advisor at TIAA-CREF with 4 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Premier Financial Alliance, Inc. He also manages a small business selling hand-made goods on Etsy. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing retirement plan relationships, as well as trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Ian Barclay is a financial advisor at Focus Partners Wealth, LLC with 27 years of industry experience. He previously worked at Jones Barclay Boston and Company for 22 years before joining The Colony Group, LLC, where he worked for 9 years. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with a range of wealth management and advisory services. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework, utilizing fundamental and quantitative analysis alongside tools such as trend-following and options overlay strategies.

Linett Batiste is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, bringing five years of industry experience. Prior to joining Schwab in 2021, she held positions at Edward Jones, Fadal Construction, Target Corporation, and Nordstrom Inc. 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. The firm’s advisory services focus on annual financial reviews and investment recommendations without exercising discretionary trading authority.

Michael Lierley is a financial advisor with Empower Advisory Group in Greenwood Village, CO. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. His prior work includes positions at Empower Retirement, Fidelity Investments, and TIAA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its planning approach.

Andrea Kenner is a financial advisor at Kestra Advisory with a Series 66 credential and two years of industry experience. Prior to joining Kestra, she worked at LPL Enterprise LLC and Equitable Advisors, LLC. She serves as a board member for nonprofit organizations including Women in Design and the GVSU Alumni Chapter. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages substantial assets for large institutional investors and utilizes multiple management platforms along with third-party solutions within its supervisory framework.

Heather Vacek is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has been with Charles Schwab since 2015. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to recommend investments and conduct annual account reviews. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Daniel Cass is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He previously worked at CUSO Financial Services, LP for 11 years before joining Osaic Institutions in 2023. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, including high-net-worth clients, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser and broker-dealer structure.

Jordan Lozada is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 66 and Series 63 registrations and seven years of industry experience. His prior roles include positions at GWFS Equities, Inc. and Broadridge. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail brokerage clients. The firm uses an integrated model tied to Empower’s administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its point-in-time financial plans.

Jesse Piburn is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and 14 years of industry experience. He has worked with Empower Financial Services and Personal Capital Advisors in prior roles. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain IRA and retail brokerage account holders. The firm delivers integrated services aligned with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Cory Marsh is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 65 designation and previously worked at GWFS Equities, Inc. from 2012 to 2017 before joining his current firm. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering financial planning and investment management through an integrated platform linked to Empower’s recordkeeping and administrative services. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach.

Amy Schiel is a financial advisor at Benjamin F. Edwards & Company, Inc. with four years of industry experience. She holds a Series 66 designation and previously worked at Stryker Corporation and Luscombe Rocky Mountain. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, institutions, and charitable organizations. The firm offers fee-based wrap programs, financial planning, and investment management consulting, using a range of model strategies and portfolios that are regularly monitored and reviewed.

Mark Lohmann is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Merrill, JPMorgan Securities LLC, JPMorgan Chase Bank NA, and previously at Citigroup Global Markets. Outside of his advisory role, he serves on the board of SeriesFest, a nonprofit organization that supports episodic storytellers. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains institutional-scale market roles, including in-house research and derivatives services.

Jordan Long is a financial advisor at Empower Advisory Group with five years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, LLC and Forge Financial Services, LLC. 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 select retail brokerage account holders. The firm’s integrated approach combines proprietary and third-party financial planning methodologies with recordkeeping and administrative platforms.