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 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Oppenheimer since 2010. Based in Denver, CO, her career spans over three decades in the financial services sector. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a variety of advisory and brokerage services, utilizing strategic and tactical asset allocation along with manager selection, mutual funds, ETFs, and fixed-income and equity strategies.

Samim Syed is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 registrations and seven years of industry experience. His prior roles include positions at Digital Wealth Partners, Penn Mutual Life Insurance Company, and Northwestern Mutual. Outside of his advisory work, he serves as CEO of a greentech company, EVChargeMe. Hornor, Townsend & Kent (HTK) 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 operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

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 with Voya Financial Advisors, Inc., holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Fidelity, Merrill, and Bank of America. Outside of his advisory work, he has worked as a delivery driver for DoorDash. Voya Financial Advisors, Inc. serves a diverse clientele including individual and institutional clients, offering financial planning and portfolio management through various program structures. The firm provides primarily non-discretionary advice and operates both as an SEC-registered investment adviser and broker-dealer, with multiple affiliated programs and revenue-sharing arrangements.

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.

David Martin is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Mariner. His prior experience includes roles at E*Trade Securities LLC and Kummer Financial Strategies, Inc. Mariner Wealth Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations. The firm offers investment management, financial planning, tax services, and coordinated family office solutions, implementing customized portfolios supported by in-house research and third-party managers.

Paul Hojnicki is a CFA® charterholder with over 18 years of industry experience. He is currently with CIBC Private Wealth Advisors, Inc. in Denver, CO, where he has worked since 2019. Prior to joining CIBC, he spent 15 years at Wells Fargo Private Bank. CIBC Private Wealth Advisors provides investment and wealth advisory services to a diverse client base, including individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm combines internal and external management resources with governance committees to offer customized portfolio management, financial planning, and family office services, managing approximately $67.8 billion in assets across 175 advisors.

Aaron Walles is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 66 and Series 63 licenses and has six years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Fidelity Brokerage Services and Charles Schwab Bank. Outside of his advisory role, he operates BikeDoor2Door LLC, a mobile bicycle repair and maintenance business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews and investment recommendations delivered through Schwab’s standard asset allocation models and research tools.

Mikel Uribarren Ortiz is a financial advisor with CIBC Private Wealth Advisors, Inc. in Denver, CO, holding Series 63 and Series 65 designations and five years of industry experience. His prior roles include positions at IWP Wealth Management LLC, Ameriprise, and Charles Schwab. Outside of finance, he worked at Good Times Frozen Custard and Auraria Library earlier in his career. CIBC Private Wealth Advisors offers investment and wealth advisory services to individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm combines an internal investment team with governance committees to create customized portfolios and manages approximately $67.8 billion in assets with a focus on sophisticated investment solutions, including services for investment company clients.

Clark Kemsley is a CFP® with 10 years of experience in financial advisory. He is currently with Prime Capital Financial and has previously worked at firms including Portside Wealth Group, Townsquare Capital, Horter Investment Management, and Oxford Wealth Advisors. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans with services such as asset management, financial planning, qualified retirement plan sponsor and trustee services, and family office offerings. The firm employs a variety of investment strategies and manages accounts on both discretionary and non-discretionary bases.

Megan Andrews Covell is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Charles Schwab and its affiliated advisory firms since 1999, including 12 years specifically at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory (SWA) program, offering clients annual financial reviews and investment recommendations based on standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions rather than discretionary portfolio management.