Deborah Violette is a CFP® professional with 38 years of experience in financial advising. She currently works at Empower Advisory Group and has previously been associated with firms including Personal Capital Advisors Corporation and Townsend & Associates, Inc. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers its services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Lucas Coggswell is a financial advisor at Empower Advisory Group with five years of industry experience. He holds a Series 65 designation and previously worked at Personal Capital Advisors Corporation and Northern Colorado Credit Union. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s approach integrates financial planning and managed account solutions with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Stephen Kolaga is a CFP®, ChFC®, and Series 66 registered financial advisor with 17 years of industry experience. He has worked at Cerity Partners LLC since 2026 and previously spent 16 years at TIAA. Based in Denver, CO, Kolaga provides wealth management services through Cerity Partners. Cerity Partners offers customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm emphasizes tailored asset allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Rodney Clark Jr. is a financial advisor at Transamerica Financial Advisors with 21 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Transamerica Financial Advisors since 2015. Clark also operates Net Law Group Inc., providing legal document services such as wills and powers of attorney, alongside his advisory role. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services with access to proprietary and third-party investment models, managing billions in assets across discretionary and non-discretionary programs.

Tina Rogers is a financial advisor at Moneta Group Investment Advisors, LLC with three years of industry experience. She holds a Series 65 designation and previously worked at Wealthnet Investments, LLC and Cherry Hills Community Church. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a range of institutional clients, offering portfolio management, financial planning, family office services, and concierge offerings. The firm utilizes Partner-led Teams supported by a centralized Investment Department to provide diversified, multi-asset allocations and ongoing monitoring, with a client base that includes uncommon institutional relationships such as sovereign wealth funds and banking institutions.

Michael Oh is a financial advisor with Empower Advisory Group based in Greenwood Village, CO. He holds Series 63 and Series 66 credentials and has eight years of industry experience. Prior to his current role at GWFS Equities, he worked at Tokyo Teriyaki and attended the University of Colorado Boulder. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as individual clients through Empower Premier IRA and retail brokerage accounts. The firm’s integrated model leverages proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing within plan lineups chosen by plan sponsors.

Samuel Wright is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and nine years of industry experience. He worked at T. Rowe Price from 2016 to 2021 before joining GWFS Equities, Inc., where he has been since 2021. 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 employs an integrated model aligned with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Jason Kippenberger is a financial advisor at Empower Advisory Group with Series 66 and Series 63 credentials and three years of industry experience. His prior work includes roles at Empower Financial Services, Arapahoe Motors, and Kuni Lexus of Greenwood Village. 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 retail brokerage clients. The firm operates through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Courtney Holt is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. She has worked within the Charles Schwab organization since 2016, including roles at Charles Schwab & Co., Inc. and Charles Schwab Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm operates as an internal advisory unit within Charles Schwab, utilizing proprietary research tools and standard asset allocation models while leaving final trading decisions to clients.

Colton Adams is a financial advisor with Eagle Strategies (NY Life) in Lakewood, CO, holding a Series 66 designation and one year of industry experience. His prior roles span several firms including Fidelity Investments, New York Life Insurance Company, and Uber. Eagle Strategies serves a diverse client base comprising individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services primarily through non-discretionary asset management and tailored solutions including co-advisory relationships and variable annuities.

Ryan Allen is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 21 years of industry experience. His prior work includes roles at Netlaw Group Inc., WealthWave, and various health insurance companies. He also provides estate planning referrals as an independent contractor. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension plans, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party investment models.

Conrad Schmidt is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and four years of industry experience. He previously worked at Personal Capital Advisors Corporation and has been with Empower since 2023. Outside of his advisory role, he serves as a board member for Women Inspiring Leaders, a nonprofit women's support group in Colorado. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm delivers integrated services through Empower’s recordkeeping platform, focusing on long-term portfolio returns, annual rebalancing, and client savings rates.

Clarissa Hobson is a CFP® with 20 years of industry experience. She is currently with Focus Partners Wealth, LLC and has held roles at Kovitz Investment Group Partners, LLC, Transform Wealth, LLC (formerly Carnick & Kubik Group, LLC), and Principal Financial Services. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services, including investment management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Tucker Smith is a CFP® professional with 16 years of experience in financial advising. He is currently with Schwab Wealth Advisory, where he has worked since 2018. Prior to this, he spent a decade with USAA Financial Advisors, Inc. and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem, delivering advice without discretionary trading authority and generally not serving institutional clients.

Nichole Boyd is a financial advisor with Empower Advisory Group, holding Series 65 and Series 63 licenses and seven years of industry experience. Her prior roles include positions at Personal Capital Advisors Corporation, Vergent Products, AEWealth Management, Layman Lewis Financial Group, and Scottrade. Boyd has been with Empower Advisory Group since 2023. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns, annual rebalancing, and savings rates, delivered through an extensive platform aligned with Empower’s recordkeeping and administrative services.

Beth Richardson is a CFP® with 36 years of industry experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. She is also the owner and property manager of Maleta Lane LLC and holds several real estate-related board positions. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors, with a broad range of services such as fiduciary consulting, plan design, and investment management supported by due diligence.

Thomas Cafmeyer is a financial advisor at Empower Advisory Group with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at JP Morgan Securities, LLC, and GWFS Equities, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, using an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm’s approach includes point-in-time financial plans and optional managed account solutions, focusing on long-term portfolio returns and annual rebalancing within plan sponsor-selected lineups.

Bowie Lishman is a financial advisor at Empower Advisory Group with a Series 66 designation and less than one year of industry experience. Prior to joining Empower Financial Services, Bowie held roles at The Lodge at Blue Sky, Auberge Resorts, WCF Insurance Company, Family Psychological Services, and spent ten years in education. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, utilizing 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 services and serves a large participant base relative to its advisor headcount.

Gabriel Hanselman is a CERTIFIED FINANCIAL PLANNER™ professional with 28 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has also worked at Charles Schwab since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and uses Charles Schwab’s research tools and asset allocation models, leaving final trading decisions to clients.

David Kubik is a financial advisor with Focus Partners Wealth, LLC, holding Series 63 and Series 65 licenses and 14 years of industry experience. His career includes roles at Kovitz Investment Group Partners, Transform Wealth (formerly Carnick & Kubik Group), Northland Securities, and Carnick & Kubik. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and retirement consulting services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party managers, and private funds.