James Haass is a financial advisor at Oppenheimer with 40 years of industry experience. He has been with Oppenheimer & Co. Inc. since 2009. Outside of his advisory role, he serves as a director for the Frisco Sanitation District and acts as a trustee for family trusts and a real estate development entity. Oppenheimer serves a diverse client base, including individuals, corporations, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and retirement planning. The firm employs strategic and tactical asset allocation, manager selection, and a variety of investment strategies, with a distinctive combination of discretionary and non-discretionary management approaches.

Cole Butler is a CFP® professional with five years of industry experience, currently with Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Inc. since 2020 and joined Schwab Wealth Advisory, Inc. in 2025. Prior to this, he held roles at Huya Bioscience and First Bank, alongside periods as a student. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual reviews, retirement and financial planning, and investment recommendations primarily guided by Schwab’s asset allocation models and research tools.

Michael Mittman is a financial advisor with Sanctuary Advisors, LLC, holding Series 63 and Series 66 licenses and 27 years of industry experience. His career includes roles at Bank of America, Merrill Lynch, and Sanctuary Securities. He serves as a board member for GEAR, a Detroit-based charity supporting public school sports programs. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports independent advisors who employ various investment approaches and provides both discretionary and non-discretionary account management options.

Kevin Checa Huerta is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 designations and eight years of industry experience. His career includes roles at Empower Advisory Group since 2026, Empower Retirement since 2020, and Wells Fargo Clearing and Wells Fargo Bank NA from 2016 to 2020. Empower Advisory Group provides financial planning and investment management mainly to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm offers integrated services linked to Empower’s recordkeeping and administrative platforms, featuring point-in-time financial plans and optional managed account solutions.

Blaze Heuga is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 credentials and eight years of industry experience. He previously worked at Personal Capital and Fidelity Brokerage Services. Outside of advising, he is a partner in a home development LLC and serves on the board of Can Do MS, a nonprofit supporting people with Multiple Sclerosis. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients. The firm offers integrated services through its proprietary platforms, focusing on long-term portfolio returns and client savings rates within plan lineups selected by plan sponsors.

Porter Draper is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. and its wealth advisory division since 2018. Prior to that, he was with Moloney Securities and Cetera Advisors. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering comprehensive financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Keys Tinney is a CFP® with 27 years of industry experience. He is currently with CWM, LLC and Carson Wealth, and has previously worked at Blue Sky Asset Management, Stephen A. Kohn & Associates, and Aveo Capital Partners. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages discretionary accounts using model portfolios and combines fundamental and technical analysis, third-party sub-advisors, and customization tools, with a focus on retirement plans, institutional services, and transparent conflict disclosures.

David Dershteller is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 11 years of industry experience. His prior experience includes roles at UMB Bank and PNC Bank and PNC Investments. Dershteller has been with Key Investment Services LLC since 2018. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment strategies combined with ongoing monitoring and due diligence, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Joesette Schmitz is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 designations and 19 years of industry experience. She has worked extensively with TIAA-CREF and Tiaa since 2002, with a brief period at LPL Financial in 2021-2022 and a role at Soccer Shots in 2021. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with pre-existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, with portfolio options ranging from model-based to fully customized management under client-approved investment policies.

Yusuf Yilmaz is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and 10 years of industry experience. He previously worked at Fidelity Investments in various roles from 2015 to 2025 before joining Schwab in 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with clients retaining final trading decisions.

Matthew Gehring is a CFP® professional with 22 years of industry experience currently with Schwab Wealth Advisory Inc. He has been with the Schwab organization since 2014, including roles at Schwab Private Client Investment Advisory, Inc. from 2014 to 2022 and Schwab Wealth Advisory since 2022. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory (SWA) program, using standard asset allocation models and Schwab research tools to support client investment decisions. The firm conducts at least annual account reviews and generally does not exercise discretionary trading authority, distinguishing it within the Schwab ecosystem.

Kasey Mc Curdy is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Lone Tree, CO. Mc Curdy has held various roles within Charles Schwab since 2014, including positions at Charles Schwab Investment Advisory, Inc. and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority, with discretionary management typically handled by affiliated or third-party money managers.

Patsi Gonzalez Ibarra is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Empower, she worked at TIAA and Fidelity. She also has experience in the hospitality sector, including managing The Coffee Joint. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies with recordkeeping and administrative platforms to deliver point-in-time financial plans and optional managed account solutions.

Alec Quaid is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. His prior roles include positions at Private Advisor Group, Novem Group, American Portfolios Advisors, and Northwestern Mutual. He holds leadership roles as President and Treasurer of the Colorado Financial Planning Association. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based approach, focusing on globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management strategies.

Lorelei Deruiter is a financial advisor with Principal Financial Services in Denver, CO. She holds Series 63 and Series 66 licenses and has one year of industry experience. Prior to joining Principal, she spent eight years as a real estate agent and team leader, and she continues to receive referral fees from her past real estate activities. 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 managers through distinct adviser and promoter arrangements.

Matthew Enser is a financial advisor at Empower Advisory Group with a Series 66 designation. He has experience working at several firms, including Key Bank NA and Key Investment Services LLC, and joined Empower Advisory Group in 2026. 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 tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Melanie Cravens is a CFP® professional with 26 years of industry experience. She is currently affiliated with Commonwealth Financial Network and is the owner of Pillar Wealth Management of Colorado, LLC. Prior to her current roles, she worked at Charles Schwab and Charles Schwab Bank for over two decades. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, offering a variety of advisory programs and services including wealth management and retirement plan consulting. The firm provides operational support, investment management, and compliance services while allowing advisors discretion in portfolio construction.

Kamren Tinsley is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 credential and has previous experience at Bank of America and Merrill. Outside of finance, he has worked with Easter Seals. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

John Dubler is a financial advisor at Empower Advisory Group with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at GWFS Equities, Inc. from 2011 to 2019 before joining Advised Assets Group, LLC. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and utilizes close coordination with Empower’s recordkeeping and administrative platforms.

Brittany Rice is a CFP® with seven years of industry experience, currently advising at Mercer Global Advisors Inc. Her prior roles include positions at Raymond James Financial Services and MJ Smith and Associates. Mercer Global Advisors serves a diverse client base including individuals, high-net-worth families, small business owners, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach, utilizing globally diversified portfolios with multi-factor tilts and a range of implementation options such as ETFs and separate accounts.