Drew Harper is a CFP® and CFA® with 16 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. in Denver, CO. He previously worked with Raymond James Financial Services and M.J. Smith & Associates. Outside of his advisory role, Harper serves as a finance committee member for QuietWaters Ministries, contributing to financial review and strategic planning. Mercer Global Advisors serves a diverse clientele including individuals, families, small business owners, plan sponsors, foundations, and non-profits. The firm utilizes a Modern Portfolio Theory-based investment approach with globally diversified portfolios, offering a range of services from retirement plan consulting to family office support.

Eric Fischer is a CFP® and ChFC® with 24 years of industry experience. He is currently with Farther and has concurrently worked at HFG Advisors since 2013. Fischer holds Series 63 and 65 licenses and spends part of his time as an independent insurance advisor selling fixed insurance products. He also provides educational support on tax matters for Triad Education under the direction of another advisor. Farther offers discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of digital platforms and in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios and algorithmic rebalancing, focusing on exchange-traded funds, mutual funds, equities, and fixed income.

Tyler Nally is a financial advisor at Empower Advisory Group with 26 years of industry experience. He holds Series 66 and Series 63 designations. His work history includes positions at GWFS Equities from 2018 to the present and at Jackson National Life Distributors LLC from 2009 to 2018. 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 clients. The firm’s services feature an integrated model aligned with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Zareen Church is a financial advisor at TIAA-CREF in Denver, CO, with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with TIAA-CREF since 2006. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, and various entities. The firm separates point-in-time planning from ongoing management and serves as adviser to a donor-advised fund while operating within a vertically integrated group using affiliated funds.

Carmone Duncan Copeland is a CFP® professional at Focus Partners Wealth, LLC with four years of industry experience. Prior to joining Focus Partners Wealth, Copeland held positions at Follett Higher Education, MicroCenter, and Brookdale Senior Living, and has been affiliated with the University of Denver since 2010. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Melody Chamberlain is a financial advisor with Schwab Wealth Advisory and holds Series 66 and Series 63 licenses. She has nine years of industry experience and has been with Charles Schwab since 2017. Prior to her financial services career, she spent ten years in the home inspection business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management.

Kameron Varney is a financial advisor with Primerica Advisors based in Greenwood Village, CO, holding a Series 66 designation. Kameron has experience at Park Avenue Securities and Guardian Life Insurance Company since 2025. Prior to entering the financial services industry, Kameron worked in retail and veterinary clinic roles. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies with various account management options.

Aaron La Point is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab since 1999 and joined Schwab Wealth Advisory in 2012. Outside of his advisory role, he is a part owner of a healthcare services business in Greenwood Village, Colorado, where he contributes on a limited basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations primarily through standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority.

Jared Hoffman is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He has held roles at Charles Schwab since 2016 and at Schwab Wealth Advisory Inc. since 2017. Prior to his financial services career, he worked at Waterway Gas & Wash Co. for 16 years. Schwab Wealth Advisory, Inc. 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 Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Barbara Budny is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and bringing 38 years of industry experience. She previously worked at UBS Financial Services from 2013 to 2017. Budny is co-owner and Chief Administrative Officer of Graziano Budny Wealth Management Group, LLC. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, and compliance services.

Jayme Cross is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. Prior to this, Jayme worked for TIAA and TIAA-CREF for 17 years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients, distinguishing its approach from many enterprise wealth managers.

Austin York is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 65 and Series 63 licenses and seven years of industry experience. His prior experience includes roles at Personal Capital Advisors Corporation and TD Ameritrade. 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 offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long‑term portfolio returns and client savings rates.

Stefan Azcarate is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. He has previously worked at Charles Schwab and JPMorgan Chase, among other positions. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing itself from many other enterprise wealth managers.

Sean Whalen is a financial advisor with Empower Advisory Group holding Series 66 and Series 63 licenses and one year of industry experience. He has worked at Empower Retirement since 2022 and previously held various roles in education, private security, and customer service. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its planning approach.

Peter Lampert is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and with 22 years of industry experience. He has worked at Hornor, Townsend & Kent since 2024 and Penn Mutual Life Insurance Company since 2023. Lampert also manages several business ventures focused on education planning, tax services, and insurance brokerage, including serving as president of a nonprofit dedicated to college affordability. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting through a network of advisers, combining investment advice with brokerage and custody services.

Nassiratou Chabi is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 designations and four years of industry experience. She has worked at several firms, including Charles Schwab & Co., Inc., Nordstrom Bank, and Catholic Charities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses standard asset allocation models and Schwab research tools, with advisors recommending investments while clients retain final trading decisions.

Nathan Schroeder is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Compass Inc, Transamerica Financial Advisors, and World Financial Group, and is also involved in real estate as an associate broker with Colorado Home Realty. Additionally, he co-owns Money Mailbox, LLC, which provides real estate education, and has been engaged in project management of leadership communications through Futurealign Incorporated since 2014. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm delivers advisory services primarily through model portfolios and third-party managers, supported by multiple program platforms such as Transamerica ONE and TFA365.

Randall Sims is a CFA® charterholder with 24 years of industry experience, currently serving at Schwab Wealth Advisory in Lone Tree, Colorado. He has been with Schwab Wealth Advisory and Charles Schwab since 2015. Sims was previously owner of a construction business, Master Restorations Limited, which is no longer active. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within 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 as an internal advisory unit within the Schwab ecosystem, distinguishing itself by not charging clients directly and by its specific service model.

Ryan Wargo is a financial advisor at Empower Advisory Group with two years of industry experience. He holds a Series 65 designation and has worked at firms including Personal Capital Advisors Corporation and JP Morgan Chase. Prior to his advisory roles, he held positions at Apex Companies LLC and the City of Fort Collins. 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. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Michael Beck is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior work includes roles at Charles Schwab, TIAA, and Fidelity Brokerage Services. He is also an independent real estate agent working outside of the investment industry. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice and investment education focused on asset allocation, contribution rates, and retirement timing. The firm uses proprietary tools from Morningstar Investment Management and operates at scale with a high client-to-advisor ratio, offering primarily non-discretionary investment services.