Dawna Turner is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has 38 years of experience in the financial services industry and specializes in serving high net worth individuals and their families. Dawna's approach to wealth management begins with understanding each client's unique goals and priorities to develop personalized financial strategies. She focuses on areas such as college education planning, family wealth management strategies, personal retirement planning, portfolio management, tax minimization, and retirement income. Dawna holds a Bachelor of Science degree in Finance from California State University, Chico. Her professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Certified Trust and Fiduciary Advisor (CTFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She maintains various FINRA registrations including Series 3, 7, 9, 10, 63, and 66. Dawna provides her clients access to the investment resources of Merrill Lynch and the banking and lending capabilities of Bank of America. Outside of work, Dawna enjoys biking, cooking, hiking, reading, skiing, and spending time with her family. She and her husband reside in Longmont, Colorado, and have three adult children and one grandchild. Her professional philosophy emphasizes working closely with clients to develop tailored financial strategies aimed at helping them pursue their long-term goals.

Michelle Freilinger is a financial advisor at Merrill with 32 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1986. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Norris is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2012. He holds the Series 66 designation and is based in Boulder, Colorado. Outside of his advisory work, Norris is involved in managing rental properties and is an owner/member of Mountain Beach Adventure LLC. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit‑sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and uses a combination of internal research and third-party partnerships in its investment approach.

Michael Callahan is a financial advisor with Cetera in Westminster, CO, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has worked at firms including Charles Schwab and Fox-Smith Wealth Management. Outside of advising, he owns Emcee Services Ltd., a business focused on expense management, and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with various program options and custodial relationships.

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 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides research-driven, tailored financial strategies.

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.

Joseph French is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their life priorities and long-term goals. Joseph leverages the investment insights of Merrill and the banking products and services of Bank of America to provide tailored wealth management solutions. His expertise includes college education planning, family wealth management strategies, employee financial health, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. Joseph holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Colorado System. Outside of his professional work, Joseph is involved in youth sports coaching. He enjoys adventure sports, baseball, basketball, football, golfing, pickleball, skiing, spending time with his family, traveling, and practicing yoga.

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 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2021 and at Morgan Stanley Smith Barney LLC since 2020. Prior to that, he spent ten years at AllianceBernstein. Outside of his advisory work, he serves on the finance committee and board of Denver Kids, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

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.

Lori Dummann is a financial advisor with Wells Fargo Clearing in Denver, CO, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She previously worked at Morgan Stanley Smith Barney from 2011 to 2018 before joining Wells Fargo Clearing in 2018. Outside of her advisory role, she serves as a power of attorney for her mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of investment options such as insurance-related vehicles and bank deposit sweep programs.

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 four 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 with 5280 Community Waste Solutions. 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 select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive services.

Benjamin Michael is a financial advisor at Charles Schwab in Boulder, CO, holding Series 66 and Series 63 licenses with two years of industry experience. His prior work includes roles at Hottenrott & Associates and various firms outside finance, such as The Old Herald and Highland Auto Wash. 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 offers both non-discretionary and discretionary investment guidance, combining multi-asset model portfolios with access to alternative investments and centralized custody and supervisory services.

Kimberly Tarley is a financial advisor at OSAIC with 19 years of industry experience. She holds Series 65 and Series 63 licenses and was previously with 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 a range of brokerage and advisory services, utilizing advanced asset-allocation tools and offering both discretionary and non-discretionary portfolio management options.

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®-credentialed financial advisor with 24 years of industry experience, currently working at LPL Financial since 2017. His prior experience includes five years at Presidential Brokerage, Inc. He is also associated with Alliant Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by model portfolios and research from multiple sources.

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.