Scott Murphy is a financial advisor with Schwab Wealth Advisory, holding CFP® and ChFC® designations and nine years of industry experience. He has worked with Schwab Wealth Advisory since 2019 and has experience at Charles Schwab dating back to 2017. Murphy is also involved in community activities, serving on the financial council for Ave Maria Catholic School. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority for its clients.

Alexander Cornell is a financial advisor with Schwab Wealth Advisory, Inc. based in Lone Tree, CO. He holds the Series 66 and Series 63 credentials and has two years of industry experience. Prior to joining Schwab, he worked at La Loma and has experience in the food service industry as well as five years in full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm delivers advice through standard asset allocation models and Schwab research tools, with client trading decisions remaining final.

Linae Provost is a financial advisor at Empower Advisory Group with two years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at USAA and Liberty AV Solutions. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients, using an integrated model tied to Empower’s recordkeeping and administrative platforms.

Amoy Gordon is a financial advisor at Empower Advisory Group with a Series 66 designation and three years of industry experience. Prior to joining Empower, he worked at Wells Fargo Clearing Services LLC for three years. Outside of his advisory role, Gordon owns an online book-selling business and works as a food delivery driver. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm’s integrated model emphasizes long-term portfolio returns and offers both point-in-time financial plans and optional managed account solutions.

Eliot Mote is a financial advisor at TIAA-CREF with 26 years of industry experience. He has held his current role since 2007. Mote holds Series 63 and Series 65 licenses and is based in Denver, CO. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm separates one-time financial planning from ongoing portfolio management and serves as adviser to a donor-advised fund, operating within a vertically integrated group using affiliated funds.

Douglas Busken is a CFP® with eight years of industry experience currently affiliated with OSAIC Institutions, Inc. He has held roles at Alerus, Infinex Investments, U.S. Bancorp Investments, and U.S. Bank. Outside of his advisory work, he is active as a triathlon coach. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, including discretionary and non-discretionary management, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer model.

Jennifer Renner is a financial advisor at Empower Advisory Group with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at GWFS Equities, Inc., GHP Investment Advisors, and Hendricks Financial Services. 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 offers an integrated service model tied to Empower’s recordkeeping and administrative platforms, featuring both point-in-time financial plans and optional managed account solutions.

Slava Davidoff is a financial advisor with TIAA-CREF in Glendale, CO, holding a Series 66 designation and 16 years of industry experience. He has been with TIAA-CREF since 2016. Outside of his advisory role, he is involved as a primary care provider with A&A Homecare Agency, Inc. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm operates within a vertically integrated model and provides access to affiliated investment funds.

Andrew Babb is a CFP® practitioner with eight years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. Prior to joining Hornor, Townsend & Kent, he spent six years with Northwestern Mutual in various capacities. Outside of his advisory role, Babb has experience in insurance brokerage through Streamside Wealth. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a comprehensive advisory platform that includes both discretionary and non-discretionary account options, combining advisory services with broker-dealer capabilities.

Kevin Hogue is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2021. Prior to this, he worked at UBS Financial Services Inc. from 2015 to 2021. He holds a Series 66 license and is based in Lone Tree, Colorado. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Charlotte Jay is a financial advisor with Commonwealth Financial Network and holds Series 63 and Series 66 designations. She has 28 years of industry experience, including ten years at SagePoint Financial and over two decades as co-owner of Jay Financial Group. She has been with Commonwealth since 2019. 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 about $213 billion in client assets. The firm provides a broad adviser-support platform with a range of managed-account programs, access to third-party asset managers, and custody services.

Sandra Arellano Diaz is a financial advisor with Empower Advisory Group in Greenwood Village, CO. She holds Series 63 and Series 65 licenses and has 10 years of industry experience. Her prior work includes roles at Gwfs Equities, Inc. and Aag. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with certain retail account holders. The firm’s integrated approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates, delivering services closely aligned with Empower’s recordkeeping and administrative platforms.

Emily Baird is a financial advisor at Empower Advisory Group with 23 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Empower Financial Services and J.P. Morgan Institutional Investments since 2009. 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. The firm’s integrated model incorporates proprietary and third-party planning methodologies focused on long-term portfolio returns and annual rebalancing.

Michael Harper is a financial advisor with Empower Advisory Group, holding a Series 66 designation and 11 years of industry experience. He previously worked at T. Rowe Price from 2015 to 2021 and currently advises through Advised Assets Groups, LLC and GWFS Equities, Inc. 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’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Deborah Towers is a financial advisor with Commonwealth Financial Network based in Denver, CO, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. She has held roles at multiple firms, including Hadad-Milinazzo Financial Group and Towers Wealth Management, Inc. Outside of advisory work, Towers is involved in tax preparation, accounting, payroll, and bill pay services through her business activities. Commonwealth Financial Network is a registered investment adviser that supports a national network of advisors by providing operations, trading, technology, investment management, compliance, and practice-management services. The firm offers a variety of advisory programs and model portfolios, serving both retail and institutional clients.

Earnest Hubbard IV is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds the CFP® and CFA® designations and has worked at firms including Windhaven Investment Management and ThomasPartners Investment Management. Hubbard has been with Charles Schwab and its affiliated advisory entities since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending allocations without discretionary trading authority while utilizing Schwab's proprietary research tools.

Derek Woodward is a financial advisor with Empower Advisory Group, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. He has worked with J.P. Morgan Institutional Investments Inc. and J.P. Morgan Retirement Plan Services LLC for 15 years and has been with Empower Financial Services since 2014. 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 utilizes an integrated service model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Craig Collisson is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 designations. He has 11 years of industry experience, including over a decade at Charles Schwab and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Arthur Garcia Jr. is a financial advisor with Eagle Strategies (New York Life) in Denver, CO, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked with Eagle Strategies since 2017 and has been affiliated with New York Life Insurance Company since 2001. Outside of his advisory role, he serves on the board of Judi's House, a bereavement services nonprofit. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse range of individual and institutional clients. The firm emphasizes tailored recommendations across various program types and manages the majority of its assets on a non-discretionary basis.

Karen Jessey is a financial advisor with Primerica Advisors in Greenwood Village, Colorado, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Primerica Advisors and Guardian Life Insurance Co. of America since 2008. Outside of her advisory role, she is involved in brokering insurance products and is associated with Phylstrong3 LLC and Kallos Colorado, LLC. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and retirement planning. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as lending solutions and donor-advised funds.