Justen Coufal is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked at Amazon and served 15 years in the United States Air Force Reserve. He also has experience in entrepreneurship through his involvement with Peak View Brewing Company LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Brian Zipler is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 65 designations and has worked at multiple firms, including Transamerica, CETERA Advisor Networks LLC, United Capital Financial Advisers, Girard Securities, and Scottrade. He has been with Charles Schwab since 2018. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, written advice policies, and a formal alternative-investment onboarding process.

Salena Winter is a financial advisor with Edward Jones in Castle Rock, CO, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of approximately 23,701 financial advisors. The firm offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and maintains affiliated capabilities including a trust company and proprietary funds.

Nick Niehaus is a Vice President and Executive Planning Consultant at Fidelity Investments. In this role, he guides executives and investors through financial planning, investment strategy, and employer benefit decisions. He focuses on tailoring ideas and suggestions to align with each client's unique goals and preferences. Nick has extensive experience in the financial services industry, having held several leadership positions. Before his current role, he was a Vice President and Regional Planning Consultant at Fidelity Investments from 2019 to 2021. Prior to that, he served as Vice President and Branch Manager at Charles Schwab & Co., Inc. from 2011 to 2019 and as Vice President and Financial Consultant at Charles Schwab & Co., Inc. from 2004 to 2011. He holds insurance licenses in Arkansas and California.

Daniel Kellogg is a CFP® professional with 13 years of industry experience, currently serving at LPL Financial since 2021. He previously worked for Personal Capital Advisors from 2013 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer providing financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives.

Liam O'Donnell is a financial advisor at Morgan Stanley in Greenwood Village, CO, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Ameriprise and RBC Wealth Management, as well as positions outside the financial sector at Chapman University, the City of Lakewood, and Colorado Academy. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including customized financial planning supported by structured discovery conversations and firm-licensed planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jennifer Ratini is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 11 years of industry experience. Her prior roles include positions at JPMorgan Securities, LLC and JPMorgan Chase Bank. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options vetted by its research center.

Garrett Waltermire is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank since 2019. Prior to joining Schwab, he was at the University of Colorado Boulder from 2013 to 2017. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts managed by an affiliate, and it operates a multi-asset model portfolio approach supported by dedicated research and alternative investment offerings.

Michael Debord is a financial advisor at Charles Schwab with 12 years of industry experience. He has held roles at Scottrade and Charles Schwab, working at Schwab since 2018. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and provides centralized custody and operational support.

Kyle Smith is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2016, progressing through roles including Financial Consultant, Planning Consultant, Relationship Manager, Central Relationship Manager, Investment Solutions Representative, and Financial Representative, Full Trader. Kyle's professional experience encompasses financial consulting and investment planning, focusing on retirement planning and customized investment strategies tailored to clients' goals for growth, income, and protection. He emphasizes providing education and motivation to help clients make informed decisions regarding their financial accounts. Outside of his professional role, Kyle's personal interests include camping, fishing, football, outdoor adventures, parenthood, and traveling.

Christopher Martwig is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with Charles Schwab since 2011, including over a decade at Schwab Wealth Advisory. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a primarily non-discretionary advisory model with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized operational and custody services.

Corey Frendberg is a financial advisor with Primerica Advisors in Aurora, CO, holding Series 63 and Series 65 licenses and possessing six years of industry experience. His background includes several years at Ameristar Casino and long-term service with Primerica Financial Services. Outside of financial advising, he is a member of the Rotary Club of Lakewood Foothills and engages in various part-time activities including rideshare and delivery services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based strategies managed by third-party asset managers and supports trade execution and custody through established custodians.

Daniel Winckler is a financial advisor with Morgan Stanley in Greenwood Village, CO, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Dallas Greer is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Fidelity, he worked in hospitality at Hotel Boulderado and Hampton Inn Denver West Golden. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Alexander Aubrey is a CFP® professional with 14 years of experience in the financial industry. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, and Merrill. He serves as a committee member for the Denver Active 20-30 Children's Foundation, a nonprofit organization focused on fundraising and organizing events to support at-risk youth. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers several advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, as well as various portfolio management options.

James Carrington is a financial advisor with UBS Financial Services in Littleton, CO, holding a Series 66 designation and 25 years of industry experience. He previously worked at Bank of America, Merrill, and Wells Fargo in various advisory roles. Outside of his advisory work, he has passive ownership interests in family oil and gas investments. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial plans and portfolio management.

Marilyn Weaver is a CFP® professional with 41 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has previously worked with firms including Crux Wealth Advisors and Presidential Brokerage, Inc./Forta Financial Group. Outside of her advisory role, she is involved in two wealth management support companies where she serves as producing advisor and president. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and employs analytical tools to help clients evaluate potential outcomes, supporting implementation through its advisory programs or other providers.

Robert Howell is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Sigma Financial Corporation, OneAmerica Securities, Transamerica Financial Advisors, and World Financial Group. Outside of his advisory role, Howell is employed part-time at Advance Auto Parts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Jaray Smith is a financial advisor at Fidelity with three years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Fidelity, his work history includes roles outside the financial industry and community involvement with the Boys & Girls Club of Weld County. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a diversified investable universe.

Jaron Cappos is a financial advisor with Fidelity in Lone Tree, CO, holding Series 63 and Series 66 licenses and one year of industry experience. His prior experience includes roles at Charles Schwab and various positions outside the financial industry. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of discretionary and non-discretionary portfolios, including fund-of-funds and model portfolios, and implements oversight practices to address conflicts of interest.