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 licenses and bringing 21 years of industry experience. His background includes work with Waddell & Reed, Inc. since 2012 and operating multiple business entities related to investment and tax purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Mark Liley is a financial advisor with Raymond James & Associates in Englewood, Colorado. He holds a Series 66 designation and has 24 years of industry experience, including previous roles at Wells Fargo Advisors. Outside of his advisory work, he is associated with two business ownerships that are not investment related. 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 range of clients—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Daniel Guevara Cortez is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at various JPMorgan entities since 2019. Prior to his current roles, he was employed at First Bank and served in the United States Army Reserve from 2012 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Sierra James is a Series 66-credentialed financial advisor with 15 years of industry experience. She is currently with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc., where she has worked since 2022. Prior to that, she spent over a decade at Cantella & Co., Inc. Outside of her advisory role, she is employed in the food and beverage industry as a W2 employee at Valle Restaurant in Oceanside, CA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through independent Financial Professionals using a range of portfolio management and model-based solutions, with options for discretionary and non-discretionary investment strategies.

Catherine Coleman is a financial advisor with Morgan Stanley in Denver, CO, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. She has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning utilizing structured processes and firm-approved tools, serving clients directly and through corporate financial planning agreements.

Peter Dolan Jr. is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Smith is a Series 66-licensed financial advisor with Ameriprise in Arvada, Colorado, and has 21 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations through a centralized consulting team.

Brandt Kidwell is an Executive Planning Consultant at Fidelity Investments, a role he has held since 2025. In this capacity, he partners with clients to enhance their financial wellbeing by understanding their unique goals and challenges. Prior to this, he served as a Benefits & Planning Consultant at Fidelity Investments from 2023 to 2025 and as a Workplace Planning Consultant at the same firm from 2021 to 2023. Before joining Fidelity Investments, Brandt worked as a Mortgage Banking Consultant at Carrington Holdings from 2016 to 2020. Throughout his career, he has focused on helping clients understand their executive benefits and integrate them into personalized financial plans. His approach centers on building long-lasting relationships based on trust, reliability, and competence.

Tyson Schwartz is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab and its affiliated entities since 2015. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through integrated wrap fee programs and managed accounts. The firm’s approach combines non-discretionary client guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios with periodic reviews and research support from its Center for Financial Research.

Wade Balliet is a Series 66-licensed financial advisor at Cambridge Investment Research Advisors with over 20 years of industry experience, including 24 years at BMO/Bank of the West. He has been with Cambridge Investment Research Advisors and its affiliates since 2025. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

Christine Armstrong is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Her prior work includes roles at First Citizens Bank, Silicon Valley Bank, and several other financial firms since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients' risk profiles through a combination of in-house and third-party investment managers.

Amelia Reback is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Global Equity. Outside of her advisory role, she serves on the board of the Global Equity Organization, a nonprofit focused on education in the employee stock plan industry, and is involved in buying and selling antiques and retail items through personal ventures. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Nathan Scheibel is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience at Cetera and Cetera Investment Services LLC. Before entering the financial industry, he worked at Discount Tire and attended the University of Colorado Boulder. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, using asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Michael Hirschfeld is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank NA and J.P. Morgan Securities since 2014. Based in Denver, CO, he operates within a large institutional firm. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

William Potter is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Keri Pugh is a CERTIFIED FINANCIAL PLANNER™ professional affiliated with LPL Financial, with 27 years of experience in the industry. She has worked at LPL Financial since 2017 and was previously with National Planning Corporation for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth clients—retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

John Williams is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2023. He focuses on providing relationship-based financial planning for a select group of clients, utilizing advanced financial planning software to model unique client scenarios. He has been with Fidelity Investments since 2009, holding various positions including PWM, Investment Management Consultant; Senior Portfolio Specialist; Portfolio Specialist; PAS - Client Management Representative; Regional Sales Consultant; Senior Investments Help Desk; Investment Solutions Representative; and Financial Representative. Prior to Fidelity, he completed internships at First Southwest Company in 2004 and 2005. John holds a California Insurance License. Outside of his professional work, he enjoys family activities and running.

Harley Tierheimer is a financial advisor with J.P. Morgan Securities in Lakewood, CO, holding a Series 66 designation and seven years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A. from 2001 to 2022 and J.P. Morgan Securities LLC since 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Marc Daniels is a financial advisor at Cetera with 39 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Cetera Wealth Services, LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party money managers.