John Dilivio is a CFP® with nine years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. in Denver, CO. His prior experience includes seven years at Personal Capital and a brief tenure at Empower Advisory Group. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with investment advisory, financial, tax, retirement, estate planning, and family office services. The firm employs a Modern Portfolio Theory-based approach, utilizing globally diversified, risk-appropriate portfolios through a variety of investment vehicles and offers specialized programs and client education initiatives.

Raena Sword is a financial advisor at Empower Advisory Group with four years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Progressive Insurance. Outside of her advisory role, she is a licensed barber, providing barbering services on a part-time basis. Empower Advisory Group offers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail clients. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing, delivering services through an integrated platform connected to Empower’s recordkeeping and administrative systems.

Patricia Ellerby is a financial advisor at TIAA-CREF with 27 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior experience includes positions with LPL Financial Corporation, First Interstate Bank, Great Western Investments and Insurance, Raymond James Financial Services, and Cetera Investment Services. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement plan relationships.

Jenifer Velasco is a financial advisor at Empower Advisory Group with five years of industry experience. She holds Series 63 and Series 66 credentials. Her prior experience includes roles at Accenture Philippines, Principal Securities Inc, Principal Life Insurance Company, and E*TRADE Securities LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing within employer-selected plan lineups.

Salko Sipic is a CFP® professional with four years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and previously worked at TIAA and First Western Trust Bank. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts handled by third-party or affiliated money managers.

Riley Lowe is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and five years of industry experience. Prior to joining Empower Advisory Group, Riley worked at Fidelity Personal And Workplace Advisors and J.P. Morgan Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its financial planning, serving a large participant base relative to its advisor headcount.

Jonathan Fritsche is a Series 66-registered advisor with Schwab Wealth Advisory, bringing 22 years of industry experience. He has been with Charles Schwab and its affiliates since 2009, including roles at Charles Schwab Bank and Thrivent Investment Management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select referred clients, utilizing Charles Schwab’s asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and emphasizes client authorization for transactions.

Jessica Gerdes is a financial advisor at Empower Advisory Group with 21 years of industry experience. She has held roles at TIAA and TIAA-CREF for 13 years before joining Empower Advisory Group and Empower Financial Services in 2024. Gerdes holds a Series 66 designation. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail clients. The firm’s services are closely integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns alongside client savings rates.

John Schweitzer Jr. is a financial advisor with Eagle Strategies (New York Life) based in Denver, CO, holding Series 63 and 65 licenses and bringing 13 years of industry experience. His prior roles include positions at TD Ameritrade and Scottrade. Outside of his advisory work, he is a fiction writer. Eagle Strategies serves a diverse client base including individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services with an emphasis on tailored recommendations and a largely non-discretionary asset management approach.

Devin Heitman is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab & Co., Inc., Nuveen, and TIAA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services include guidance on asset allocation and investment selection using Charles Schwab’s proprietary research tools, with investment decisions executed only upon client authorization.

Brett Landstrom is a CFP®, ChFC®, and Series 66-registered advisor with 16 years of industry experience. He is currently with Mercer Global Advisors Inc. in Denver, where he has worked for several periods since 2016. Prior to Mercer, he was with MissionSquare Retirement and Mutual Of Omaha Investor Services. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of advisory services including investment management, financial, tax, retirement and estate planning, and family office services. The firm’s investment approach is based on Modern Portfolio Theory with globally diversified, risk-appropriate portfolios utilizing low-cost ETFs, index funds, separate account managers, and direct indexing, alongside specialized client education and integrated affiliated service lines.

Kimberly Gieseler is a CFP® professional with 23 years of industry experience, currently affiliated with Carson Wealth. She has been involved with multiple financial services firms including Cetera Wealth Services and LPL Financial, and she co-founded Valorem Financial. Outside of her advisory role, she serves as vice chair of the Outdoor Lab Foundation, a nonprofit offering environmental and civic education to Jefferson County students. She is part of CWM, LLC, an SEC-registered investment adviser that oversees approximately $50.6 billion through a network of over 650 advisors. The firm provides discretionary asset management, financial planning, and retirement plan services, utilizing a committee-driven investment process with tailored portfolio solutions and extensive technology and custodial integrations.

Hakan Ibisi is a financial advisor with PNC Wealth Management in Denver, CO, holding Series 63, 65, and 66 licenses and six years of industry experience. His prior roles include positions at Bank of America, Merrill, JP Morgan Chase, Wells Fargo, and Citizens Bank. Ibisi also operates a rental property business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only, online discretionary model account that uses algorithm-driven risk assessment and implements investments via mutual funds and ETFs with annual rebalancing.

Robert Hainlen is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 66 and Series 63 licenses. His prior roles include positions at First Interstate Bank, Great Western Bank, and J.P. Morgan Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning approach.

Cynthia Rosendale is a financial advisor at William Blair with 27 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley Smith Barney and Morgan Stanley & Co., Incorporated. She is based in Denver, Colorado. William Blair’s Private Wealth Management division provides investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm uses an active, research-driven approach across equities, fixed income, and alternative strategies, offering proprietary models and access to private funds and co-investment opportunities.

Victoria Cunningham is a financial advisor with Corient in Denver, CO, holding a Series 65 designation and seven years of industry experience. Her prior work includes five years at Segall Bryant & Hamill and eighteen years at Denver Investments. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that integrates in-house strategies, third-party managers, and customized asset allocation, supported by continuous portfolio monitoring and risk management tools.

Blake Lazear is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2007. He is a silent owner and CFO of a family-owned computer knit products company but is not involved in its operations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Gregg Marsh is a financial advisor with TIAA-CREF in Glendale, Colorado, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with TIAA-CREF since 2014. Outside of his advisory role, Marsh is a member of the board of directors at Jubilee Fellowship Church. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm also acts as adviser to a donor-advised fund and offers a fiduciary standard within its vertically integrated advisory services.

Matthew Casinelli is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Personal Capital Advisors Corporation and Charles Schwab. Outside of his advisory role, Casinelli owns Casinelli Custom Storage, LLC, a handyman business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms, offering long-term focused financial plans and optional managed account solutions.

John Huddleston is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 65 designations. His career includes roles at Charles Schwab & Co., TD Ameritrade, Scottrade, Fidelity, and T. Rowe Price Advisory Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, focusing on asset allocation and investment selection guided by Charles Schwab’s internal research and models.