Veerapan Perianan is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds the Series 66 designation and has been with Charles Schwab in various capacities since 2015. Outside of his advisory role, he serves on the finance committee of a Civil Air Patrol cadet squadron in Denver and is an executive committee member of the Chartered Alternative Investment Analyst Association’s Rocky Mountain Chapter. Schwab Wealth Advisory 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’s guidance is based on Schwab’s internal research tools and asset allocation models, with investments executed only upon client authorization.

Trevor Jenson is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with multiple firms including Panorama Management LLC, Mac5 Mortgage, and Dtc Office Partners. Outside of advisory work, he is a partner at Panorama Management LLC, managing rent collections for office properties. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and businesses. The firm employs a model portfolio approach combined with third-party managers and platform sub-advisors, offering services through programs such as Transamerica ONE and TFA365, with approximately $1.7 billion in regulatory assets under management.

Jack Denton is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. He holds a Series 66 designation and has one year of industry experience. Prior to joining Schwab, he worked at Target and has a background that includes several years of full-time education and roles in the service and recreation industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach is based on Schwab’s proprietary asset allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Christopher Milinazzo is a CFP® professional with 12 years of experience in the financial services industry. He has been affiliated with Commonwealth Financial Network since 2019 and also co-owns private investment entities MIL OPS, LLC and MilWealth, LLC. Prior to joining Commonwealth, he worked at HD Vest Insurance Agency and Hd Vest Investment Services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a range of managed-account programs, access to third-party asset managers, and comprehensive back-office services.

Andrew Moel is a financial advisor at Cresset Asset Management, LLC with nine years of industry experience. He holds a Series 65 designation and has worked at Cresset since 2023, with prior experience at Monograph Wealth Advisors, Peer Street Inc, and Canterbury Consulting Inc. In addition to his advisory role, Mr. Moel serves as a trustee for two non-investment-related trusts, performing administrative and fiduciary duties. Cresset Asset Management, LLC is an SEC-registered investment adviser managing approximately $71.9 billion in client assets for a diverse clientele, including individuals, families, trusts, retirement plans, and charitable organizations. The firm focuses on diversified, asset-allocation-driven portfolio construction using both active and passive strategies, supported by a structured due-diligence program and multiple related entities.

Jeremy Glass is a CFP® with 18 years of industry experience, currently serving at Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2016, and previously held roles at TIAA-CREF and Valic Financial Advisors. Outside of his advisory work, he has a small real estate property management activity unrelated to his securities business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm emphasizes asset allocation and investment selection guided by internal research tools and standard models, with trades executed only upon client authorization.

Nikolaus Franklin is a CFP® professional with 10 years of industry experience. He is currently with Empower Advisory Group and Empower Financial Services, Inc., having previously worked at Personal Capital Advisors Corporation for eight years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, their participants, and certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Michael Maguire is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior work includes roles at Fidelity Brokerage Services LLC and Maguire Associates of Virginia. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Seth Guenther is a financial advisor at Beacon Pointe Advisors, LLC in Denver, CO, holding the ChFC® and Series 63 designations with 20 years of industry experience. He previously worked at OppenheimerFunds from 2011 to 2019 before joining Beacon Pointe Advisors. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, employing a manager-driven approach with proprietary due-diligence processes and sponsoring multiple private funds and registered interval funds.

Guy Tomasky is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. He has been with TIAA and TIAA-CREF since 2012. TIAA‑CREF Individual & Institutional Services, LLC 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 retirement plan relationships. The firm offers both point-in-time planning services and ongoing portfolio management, operating within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Charles Vigil Jr. is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Empower Advisory Group in 2023, he worked at Personal Capital Advisors Corporation from 2014 to 2023. 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 delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Paul Analovitch is a Certified Financial Planner® (CFP®) with 26 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab & Co. Inc. since 1999. Schwab Wealth Advisory, Inc. 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 guided by Schwab’s asset-allocation models and internal research. The firm offers tailored recommendations with client authorization required for trades, utilizing a mix of mutual funds, ETFs, separately managed accounts, and alternative investments.

Daniel Woldu is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Lone Tree, CO. His prior experience includes roles at Charles Schwab & Co., Inc. and TIAA-CREF Individual & Institutional Services. Woldu also serves as a board member for the Tigray Communities Forum, a nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach emphasizes asset allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Adam Dechtman is a CFP® professional with 12 years of industry experience, currently with Hightower Advisors since 2025. His prior roles include founding Dechtman Wealth Management, LLC and positions at Securities America and John Hancock. He also operates as an independent insurance agent outside of his advisory work. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals and institutional investors. The firm’s approach combines manager selection with multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles and strategies.

Jacqueline Sanson is a CFP® with 10 years of industry experience, currently serving at Schwab Wealth Advisory. She has been affiliated with Charles Schwab & Co., Inc. since 2016, including roles at Schwab Private Client Investment Advisory and Schwab Wealth Advisory, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance.

Ryan Gappinger is a financial advisor at Farther with 14 years of industry experience. Prior to joining Farther in 2026, he worked for 21 years at HFG Advisors and 18 years at the Heartland Institute. He also serves as a consultant and partner at GBG Financial and is involved in consulting, marketing, and business management through GMF LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of digital platforms and in-person meetings. The firm employs a Modern Portfolio Theory-based investment approach using proprietary models, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, individual equities, and fixed income.

Garner Mabry IV is a financial advisor with Concurrent Investment Advisors, LLC, holding a Series 66 designation and over 27 years of industry experience. His career includes roles at firms such as Raymond James Financial Services, Wells Fargo Advisors Financial Network, and Merrill. Mabry is also a managing director of Schwartz Mabry Private Wealth Advisory, LLC. Concurrent Investment Advisors, LLC is an SEC-registered, multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term investment portfolios using ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors.

Adam Werther is a financial advisor with TIAA-CREF in Glendale, Colorado, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has been with TIAA and TIAA-CREF since 2011. 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 relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management, using both model and customized portfolios, and acts as adviser to a donor-advised fund sponsored by Charityvest.

Kathleen Phillips is a financial advisor with Eagle Strategies (NY Life) based in Denver, CO, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at Five Peaks Capital Group LLC and AT&T, as well as teaching at Golden High School and the University of Colorado - Denver. Outside of her advisory work, she coaches volleyball at Dakota Ridge High School and The Edge Volleyball Club and serves on the board of the Rocky Mountain Alliance Children’s Foundation. Eagle Strategies serves a diverse range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm provides multiple program types tailored to client objectives, with the majority of its regulatory assets managed on a non-discretionary basis.

Samantha Harrison is a financial advisor at Empower Advisory Group with 14 years of industry experience and a Series 66 designation. She previously worked at Personal Capital Advisors Corporation, Merrill, Bank of America, N.A., and Edward Jones. Empower Advisory Group provides financial planning and investment management primarily to employer‑sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through point-in-time financial plans and optional managed account solutions.