Denise Youngquist is a CFP®-certified financial advisor with 17 years of industry experience. She has been with Cambridge Investment Research Advisors since 2017 and also owns Calkins-Youngquist Financial Life Planning LLC, a financial life planning and insurance business based in Denver, CO. Prior to her current roles, she worked at Summit Financial Group Inc and Summit Brokerage Services, Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers comprehensive financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of investment strategies and platform options tailored to client objectives.

John Skok is a financial advisor at UBS Financial Services with 28 years of industry experience. He has held positions at Merrill and UBS, where he has worked since 2013. He holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and alternative product distribution. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and research resources.

Christian Baca is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. In this role, he works with clients to coordinate, consolidate, and simplify their financial picture, enabling them to focus on what is most important in their lives. Prior to joining Fidelity Investments, Christian served as a Financial Advisor at First Command Financial Planning from 2011 to 2014. Christian holds a California Insurance License, which supports his work in providing comprehensive financial advice and planning. Outside of his professional responsibilities, he enjoys biking, golf, running, scuba diving, and traveling.

Luke Jones is a financial advisor at Charles Schwab with eight years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2018. Prior to joining Schwab, he was employed at AT&T for one year. 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 guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments.

Ward Cerny is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as AllianceBernstein. Outside of his advisory work, he serves on the finance committee of Denver Kids, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process and a variety of investment offerings.

Reagan Giles is a financial advisor with J.P. Morgan Securities in Denver, CO. He holds the Series 66 designation and has one year of industry experience. Prior to his current role, Giles worked with JPMorgan Chase Bank, N.A. He has also been involved with the Frisco Flyers Volleyball Club. J.P. Morgan Securities 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 in its investment recommendations.

Kristian Carlson is an Executive Planning Consultant at Fidelity Investments, a role he has held since 2023. In this position, he focuses on building relationships with executives and navigating complex benefits to co-create tailored financial strategies aimed at ensuring clients feel confident about their financial future. Kristian has extensive experience within the financial services industry, having held multiple roles at Fidelity Investments since 2013, including Portfolio Specialist, Central Relationship Manager, Investment Solutions Representative, and High Net Worth Representative. Prior to his tenure at Fidelity, he worked at Charles Schwab as a Margins Representative and Active Trader from 2008 to 2013. He holds insurance licenses in Arkansas and California. Outside of his professional work, Kristian has personal interests in baseball, football, music, parenthood, and surfing.

Lori Dummann is a financial advisor with Wells Fargo Clearing in Denver, CO, holding Series 63 and Series 66 designations and 25 years of industry experience. She previously worked at Morgan Stanley Smith Barney for seven years before joining Wells Fargo in 2018. Lori also serves as a power of attorney for her mother. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Matthew Erb is a financial advisor at Edelman Financial Engines with one year of industry experience. He holds a Series 65 designation and has worked previously at Empower and various construction companies. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified portfolios and long-term strategies.

Noah Hinson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo and TIAA. Outside of finance, he has experience in the waste management sector with 5280 Community Waste Solutions. 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 applying an ESG eligibility framework in its recommendations.

Kimberly Tarley is a financial advisor at OSAIC with 19 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Securities America, Inc. for 10 years before joining OSAIC in 2024. 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, utilizing a range of investment tools and third-party platforms to manage portfolios across multiple asset classes.

Christopher Davis is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. His prior roles include positions at Carlson Ridge Capital and various educational institutions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Michelle Nichols is a financial advisor with Merrill in Denver, Colorado, holding Series 63, Series 65, and Series 66 designations. She has 35 years of industry experience, including more than 39 years with Merrill. She also serves in a fiduciary capacity as a Power of Attorney for a family member. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Malcolm Horn is a CFP® professional with 24 years of industry experience, currently affiliated with LPL Financial in Lakewood, CO. His prior roles include positions at Presidential Brokerage, Inc., and Valic Financial Advisors. He is also involved with Alliant Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing various portfolio strategies and technology tools.

Lorne Maltenfort is a financial advisor with Wells Fargo Advisors in Denver, CO, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include work at Northwestern Mutual and a brief period as an attorney. Outside of advising, he serves as an election judge for Arapahoe County. Wells Fargo Advisors is an institutional firm with over 2,200 advisors, providing investment services to a broad client base.

Patrick Mullins is a financial advisor with LPL Financial in Englewood, CO, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Key Investment Services, Raymond James & Associates, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Co. Outside of financial advising, he is involved in teaching and performing music through his music-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Ian Foley is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He works closely with clients to develop comprehensive financial plans and provide investment guidance tailored to their unique situations. Prior to this position, he served as a Workplace Planning Consultant at Fidelity Investments from 2021 to 2022. In his practice, Ian emphasizes principles of trust, transparency, and excellence. He collaborates with clients to help them work toward their financial goals through personalized financial planning strategies.

Shawn Faurote is a CFP®-certified financial advisor with Edward Jones, based in Thornton, CO. He has 10 years of industry experience and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Stephen Baird is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Merrill since 2025. Prior to joining Merrill, he worked at CitiGroup Global Markets for 13 years. Outside of his advisory role, he serves in several fiduciary capacities, including trustee and executor for family trusts and estates, and is a board member of a homeowners' association in Breckenridge, Colorado. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jack Scherer is a Financial Advisor at UBS Financial Services with the Series 66 designation and no prior industry experience. His work history includes roles at UBS Financial Services, Arrowhead Golf Course, Indiana University, and various educational institutions. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.