Lisa Rizzo is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 40 years of industry experience. Prior to joining LPL Financial in 2022, she worked at First Financial Equity Corporation, UBS Financial Services, Piper Sandler & Co., and RBC Capital Markets. Outside of her advisory role, she is involved in a non-variable insurance business and maintains a business entity for tax and investment purposes unrelated to her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and extensive operational tools.

Chris Counce is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. His prior roles include positions at Voya Financial Advisors and Altitude Investment Management, where he is a non-managing partner focused on marketing advisory models. Outside of finance, he is involved in art production and sales through an entity he owns. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary account management.

William Kessel is a financial advisor with Edward Jones in Arvada, CO, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Kevin Hough is a Benefits & Planning Consultant specializing in Executive Services. In this role, he partners with executives to help them understand employer benefits and develop plans aimed at achieving their financial goals. He employs a consultative approach tailored to meet clients' preferences and seeks to empower them throughout the planning process, fostering confidence and maintaining strong relationships. Kevin's professional experience spans various roles in the financial services industry, including positions as a Financial Consultant at TIAA from 2018 to 2025, Financial Advisor at Edward Jones in 2017, Group Account Representative at Mutual of America from 2012 to 2016, Internal Sales Consultant at State Farm from 2008 to 2012, and Licensed Account Representative at Steve Tarrant State Farm Agency from 2004 to 2008. He holds insurance licenses in Arkansas and California. Outside of his professional work, Kevin has interests in beach activities, biking, fitness, hiking, music, and parenthood.

Kellie Rixse is a financial advisor with Robert W. Baird & Co. in Denver, Colorado, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory work, she owns Kellie’s Krochets, LLC, where she designs and creates afghans. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group provides customized financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of investment strategies.

Kevin Brachle serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2014. He has been with Fidelity since 2013, beginning as an Investment Representative before advancing to his current position. Prior to joining Fidelity, he worked as an advisor at Naples Money Managers from 2011 to 2013. With 15 years of industry experience, Kevin emphasizes understanding his clients' personal priorities to develop customized financial approaches. Outside of his professional responsibilities, he is interested in music, outdoor adventures, running, and parenthood.

Harold Heuer is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliated entities since 1994. Heuer is based in Denver, Colorado. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Steven Curran is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo in various capacities for over 14 years before joining Charles Schwab. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Chloe Wood is a financial advisor at Morgan Stanley in Denver, CO, holding a Series 66 designation and with 16 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm emphasizes a structured financial planning process using approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Jeffrey Lohaus is a Benefits & Planning Consultant within Executive Services at Fidelity Investments. In his current role, he assists clients in understanding their employer benefits and planning for various financial phases of life. He emphasizes building client relationships based on trust and compassion and is motivated by the impact effective planning can have. Jeffrey has been with Fidelity Investments since 2015, holding several positions including Investment Solutions Representative, Central Relationship Manager, Relationship Manager, and now Benefits and Planning Consultant. His experience spans multiple facets of client relationship management and investment solutions. Outside of his professional work, Jeffrey has interests in football, golf, parenthood, and skiing.

Michael Herman is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors and Mutual of Omaha Investor Services. He serves as a volunteer board member and ambassador for the Golden Chamber of Commerce. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios that can include a broad range of investment products.

Matthew Cox is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones in Lakewood, CO. He has been with Edward Jones since 2011. Outside of his advisory role, he is a partner in La Bella Vita Health and Wellness, a clinic based in Westminster, CO. Edward Jones is a full-service wealth management firm serving individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large nationwide network of advisors and branch offices.

Robyn Donovan is a Series 66 licensed financial advisor with five years of industry experience. She currently works at Morgan Stanley and previously spent ten years at Merrill. Donovan is also the sole proprietor of Robyn Donovan LLC, an online health and wellness business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market simulations.

Robert Grovich is a financial advisor with Edward Jones in Littleton, CO, holding Series 66 and Series 63 licenses and 13 years of industry experience. His prior roles include positions at Empower, Putnam Investments, Franklin Templeton, and A2Me Financial. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and maintaining one of the largest retail advisor and branch networks in the industry.

Walter Heidenreich III is a financial advisor with Cambridge Investment Research Advisors in Littleton, CO, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014. He serves as president of Horizons of Colorado, a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of platform and custody arrangements, and it provides both proprietary and third-party investment strategies.

Steve Mc Carthy is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Raymond James & Associates. He has held positions at Raymond James since 2019 and previously worked at TIAA and TIAA-CREF from 2005 to 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and consulting through various advisory programs.

Christian Smith serves as Resident Director at Merrill, leveraging over 25 years of experience working with families to define and achieve their financial goals. Since beginning a college internship and joining the firm over 28 years ago, Christian has held various roles within Merrill and is committed to building strong relationships with clients and professional partners. This approach helps simplify often overwhelming financial decisions and allows for regular progress assessments and necessary adjustments. Christian's expertise encompasses areas such as college and general education planning, employee financial health, personal retirement planning, women and wealth, tax minimization, and retirement income. Christian holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christian earned a Bachelor's degree from Wesley College and a Master's degree from Wilmington College. Outside of work, Christian is involved in community activities and serves as a board member of First State Ballet and trustee of Delaware Hospice. Volunteer efforts include contributions to Buckets of Love and the Ronald McDonald House of Delaware. Christian resides in Delaware with a family of three, including a husband who is a teacher and a daughter attending Converse University. Personal interests include cooking, spending time with family, and traveling.

Tynan Strong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. His work history includes roles at Cetera Wealth Services, FS Advisors Wealth Management, and several educational institutions. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program structures and over $256 billion in assets under management.

Emmett Espino is a financial advisor at Thrivent Investment Management with a Series 66 designation and one year of industry experience. His prior roles include positions at Thrivent Financial, Allstate Jack Sughrue Agency, Scheels All Sports, and Minot State University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering holistic, goal-based analyses and planning on a broad range of financial topics. The firm’s services can be combined with managed-account programs under a consolidated billing option called WealthPlan, while keeping planning and asset management separate.

Matthew Steinke is a financial advisor with LPL Financial in Denver, CO, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at Waddell & Reed, Inc, and he manages several business entities primarily for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolio programs, and third-party asset management through a large network of investment adviser representatives.