Elizabeth Musarra is a financial advisor at Cerity Partners Retirement Plan Consultants with the PFS™ designation and four years of industry experience. She has worked at Cerity Partners LLC since 2019 and previously was with Karsten Advisors and operated her own practice, Liz Musarra, from 2004 to 2017. Cerity Partners Retirement Plan Consultants advises sponsors of defined contribution and defined benefit plans, providing ERISA fiduciary services, participant advice, plan design, and administrative support. The firm focuses on asset-allocation driven model portfolios, investment policy statement monitoring, and offers educational and fiduciary training services.

Aaron Spencer is a financial advisor at Empower Advisory Group with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at GWFS Equities, Inc. since 2015. Outside of his advisory role, he serves as Director and President of the Cherry Creek Vista II Homeowners Association. 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 approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates.

James Clark is a financial advisor at TIAA-CREF with six years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining TIAA-CREF, Clark worked at Eagle Strategies, NYLIFE Securities LLC, and New York Life Insurance Co. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals associated with TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund sponsored by Charityvest.

Terrie Martinez is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior work includes roles at GWFS Equities, Advised Assets Groups, World Financial Group, and Transamerica Financial Advisors. Outside of her advisory work, she provides caregiving for a grandchild. Empower Advisory Group delivers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage and IRA clients, using an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by sponsors.

Meghan McGuire is a financial advisor at Principal Financial Services with 24 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Principal Securities and Principal Life Insurance since 2022, following prior roles at Transamerica Investors Securities Corporation and AssetMark Financial. McGuire also serves as a bank and trust officer to support and manage Principal retirement plan account relationships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, businesses, and active-duty military personnel. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Mandy Tate is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has worked within the Charles Schwab organization since 1999, including roles at Charles Schwab Bank from 2005 to 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations primarily based on Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, delivering advice without discretionary trading authority and serving primarily individual clients rather than institutional accounts.

Kevin Edwards is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been advising clients at Advised Assets Group, LLC since 2016. Additionally, he works as a mortgage loan officer with Colorado Home Smartz, LLC, assisting home buyers with mortgage loans. 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 retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and annual rebalancing.

Austin New is a financial advisor with Empower Advisory Group holding a Series 65 designation. He has experience working at Empower Financial Services, Inc since 2024, following six years running Austin New, CPA, and three years at Meador & Jones. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as certain IRA and retail brokerage account holders. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Keith Murphy is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has held roles at Charles Schwab since 2018 and previously worked at Jack Rabbit. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations while leaving final trading decisions to clients.

Brian Rorick is a CFP® professional with 24 years of industry experience, currently serving at CWM, LLC. He has previously worked at Axcent Private Capital, Aveo Capital Partners, DMK Advisor Group, and Stephen A. Kohn & Associates. Outside of his advisory role, he is CEO of Organic Vines, LLC, an agricultural business, and a board member of Chesterton Academy of Our Lady of Victory, a charitable organization. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a large network of advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, employing discretionary model portfolios and combining fundamental and technical analysis with third-party sub-advisors and customization tools.

Sean Mc Bride is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm’s advice is based on Schwab’s standard asset allocation models and research tools, with clients retaining final trading decisions.

Patricia Kummer is a Certified Financial Planner® with over 41 years of industry experience. She is currently with Mariner and has previously been associated with Mutual Securities Inc. and her own firms, Kummer Financial Strategies, LLC and Kummer Financial Strategies, Inc. In addition to her advisory work, she is an author based in Highlands Ranch, Colorado. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, tax services, and retirement plan consulting. The firm utilizes discretionary, customized portfolios supported by in-house research and third-party managers, with capabilities spanning equities, fixed income, alternatives, and digital assets.

Adam Kucsan is a financial advisor at Transamerica Retirement Advisors, LLC with 11 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including Fidelity and Scottrade. Outside of his advisory role, he is the CEO of Katies Klozet, an app development company he manages during non-trading hours. Transamerica Retirement Advisors serves employer-sponsored retirement plan participants and IRA owners, offering managed portfolios and investment education with an emphasis on asset allocation and retirement guidance. The firm utilizes Morningstar Investment Management’s software and model portfolios to tailor advice and operates at scale with a large client base and advisor team.

Mark Fellows is a financial advisor at Benjamin F. Edwards & Company, Inc. with 39 years of industry experience. He holds a Series 63 designation and has been with Benjamin F. Edwards since 2013. Outside of his advisory role, he serves as trustee and co-trustee for several family trusts and acts as executor for an estate, performing these duties on a limited basis. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, pension plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, retirement plan consulting, and investment management, utilizing a combination of discretionary and non-discretionary strategies managed internally and by third parties.

Todd Walker is a financial advisor with Centaurus Financial, Inc. in Centennial, Colorado. He holds Series 63 and Series 65 licenses and has 31 years of industry experience, including over 21 years at Centaurus Financial. Outside of his advisory role, he is involved in fine art collection and advising, including consulting and sales related to art, and teaches classes through community colleges on a contractual basis. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, trusts, and foundations. The firm offers a range of financial planning and portfolio management services, employing various analytical approaches and allowing both discretionary and non-discretionary account management.

Ethan Rivas is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Schwab Wealth Advisory and has previously worked at Charles Schwab & Co., Inc., Charles Schwab Bank, Bank of America, N.A., and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, with advisors recommending allocations and investments while clients retain final trading decisions.

Jared Darrington is a CFP® professional with 27 years of industry experience, currently affiliated with Principal Financial Services. He has previously worked with Thrivent Investment Management Inc and Thrivent Financial for over two decades. Darrington holds Series 63 and Series 66 licenses and offers fixed insurance products including life, disability, annuities, and long-term care coverage. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions.

Darren Clerkin is a CFP® and ChFC® with seven years of industry experience. He is currently with Empower Advisory Group and has previously worked at Personal Capital, COUNTRY Trust Bank and its affiliates, and Transamerica. Outside of his advisory work, Clerkin teaches a nightly financial planning class as an Instructional Assistant Professor at Illinois State University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, along with Empower Premier IRA and select retail brokerage account holders. The firm emphasizes long-term portfolio returns and annual rebalancing through an integrated service model connected to Empower’s recordkeeping and administrative platforms.

Jeffrey Bauer is a CFP® professional with 25 years of experience in the financial services industry. He has been with VALIC Financial Advisors since 2001 and also holds an agent position with Agia, where he is involved in non-securities insurance products. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Lincoln Straub is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds a Series 66 designation and has prior experience at Charles Schwab and Indiana Members Credit Union. Before entering the financial industry, he spent several years in full-time education and has held positions outside finance, including at Chick-fil-A and a health center. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standardized asset allocation models and Schwab research tools to support client recommendations, focusing on annual reviews without discretionary trading authority.