Andrea Collins is a financial advisor at Empower Advisory Group with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously with GWFS Equities, Inc., and Transamerica Capital Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and client savings rates.

Brent Stevens is a financial advisor with TIAA-CREF in Glendale, CO, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with TIAA-CREF since 2007. Outside of his advisory role, he is involved in managing rental properties and has ownership in an LLC established for short-term rental income through Airbnb. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often servicing clients linked to TIAA-administered employer retirement plans. The firm separates planning services from ongoing portfolio management and serves as advisor to a donor-advised fund, using a mix of model and customized portfolios under a fiduciary standard.

Douglas Miller is a financial advisor at TIAA-CREF with nine years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Regions Bank from 2015 to 2017 before joining TIAA-CREF in 2017. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through various managed account programs and operates as investment adviser to the TIAA Donor Advised Fund.

Erin Mac Laren is a financial advisor at Empower Advisory Group with five years of industry experience. She holds a Series 66 designation and has worked at Empower Financial Services and T. Rowe Price. Prior to her roles in finance, she was employed at Two Men And A Truck and Asset Campus Housing. 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 account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Kevin Christensen is a financial advisor with Principal Financial Services in Denver, CO, holding the ChFC® designation and Series 66 license. He has 22 years of industry experience, including roles at Principal Life Insurance Company, Waddell & Reed, Inc., and The Standard Insurance Company. Outside of his advisory work, he serves as Membership Committee Chair for the local NAIFA chapter and is a High Councilor for the Church of Jesus Christ of Latter-day Saints. 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 plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Sean Koutsakis is a financial advisor at PNC Wealth Management with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at LPL Financial LLC, BMO Bank NA, Bancwest Investment Services, Inc., and Bank of the West. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and invests in mutual funds and ETFs with annual rebalancing.

Brandon Williams is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds a Series 66 designation and has worked previously at T. Rowe Price and Financial Action, Inc. Outside of his advisory role, he owns Williams Real Estate, Inc. and provides home care services as a certified nursing assistant. Empower Advisory Group delivers 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 clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates through point-in-time financial plans and optional managed account solutions.

Melony Harris is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked for Avantax Insurance Agency LLC and Avantax Advisory Services, with a career starting in 1995 when she established Melony J. Harris, CPA. Harris is also the owner of Harris Tax & Wealth Management, PC, where she provides tax preparation, payroll processing, and general accounting services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a comprehensive adviser-support platform with managed-account programs, access to third-party asset managers, and custody and clearing services.

Benjamin Beatty is a financial advisor at Empower Advisory Group with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including TIAA-CREF, Robinhood, Northwestern Mutual Investment Management, and Morgan Stanley. 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.

Kelly Belden is a financial advisor at Empower Advisory Group with Series 65 and Series 66 credentials and 14 years of industry experience. Prior to joining Empower Advisory Group in 2025, Belden worked at Voya for one year and Gwfs Equities, Inc. for nine years. 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 emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Jeffrey Lester is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Empower Retirement, DoorDash, Grubhub, and as a self-employed professional. 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, using a model integrated with Empower’s recordkeeping and administrative platforms.

Melanie Tumis is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and six years of industry experience. Her work history includes roles at Empower Retirement, Osaic Wealth Inc., Charles Schwab & Co., Inc., Schwab Private Client Investment Advisory, Inc., and TD Ameritrade, interspersed with periods as a homemaker. 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 delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Barbara Krause is a CFP® with 20 years of industry experience and holds Series 65 and Series 66 licenses. She has worked at Hightower Advisors since 2021 and previously spent six years at Investment Security Group, Inc. She is based in Denver, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and pooled investment vehicles. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, proprietary research, and a range of investment vehicles.

Brendan Morrison is a financial advisor with Eagle Strategies (New York Life) based in Denver, CO, holding Series 63 and Series 66 licenses with six years of industry experience. He has worked with firms including Blue Sky Wealth Group and NYLIFE Securities, and has a background that includes service in the U.S. Army National Guard. Morrison serves on the boards of several nonprofit organizations focused on American Indian and Alaska Native communities and manages professional networking events in Denver. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisors. The firm emphasizes tailored solutions across multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Matthew Michalak is a CFP® professional with five years of industry experience, currently affiliated with Valic Financial Advisors in Lakewood, CO. His prior roles include positions at NorthRock Partners LLC and JPMorgan Chase Bank. Outside of advisory work, he is an agent authorized to sell non-securities insurance products and also works as a delivery driver. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm utilizes discretionary unified managed accounts with Envestnet’s platform and provides tax-aware and impact overlay services.

David Reyes Suarez is a CFP® with over four years of experience in the financial services industry. He is currently with Empower Advisory Group and has previously worked at GWFS Equities, Inc. and BBVA Colombia. 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 offers an integrated service model connected with its recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Samuel Dechtman is a CFP® professional with 13 years of experience in the financial services industry. He has held roles at Hightower Advisors since 2025 and previously led Dechtman Wealth Management, LLC for five years. He also worked at Securities America and Nuveen Investments earlier in his career. Outside of his advisory work, he is an Independent Insurance Agent. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and trusts. The firm emphasizes multi-manager solutions, manager selection, and uses both affiliated and third-party managers along with proprietary research to construct portfolios that incorporate a range of investment vehicles and strategies.

Kimberly Curtis is a financial advisor at Cerity Partners LLC with 26 years of industry experience. She holds the CFP® and ChFC® designations and previously worked for Wealth Legacy Institute, Inc. for 17 years before joining Cerity Partners in 2024. Cerity Partners is an SEC-registered investment adviser serving a diverse client base, including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with an emphasis on customized, diversified asset allocation.

Miranda Mc Hugh is a financial advisor at Empower Advisory Group with 14 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at TIAA and TIAA-CREF for 14 years before joining Empower in 2025. Outside of her advisory work, she volunteers with the Warder Elementary School PTA Fundraising Committee. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services through Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach while serving a large participant base relative to its advisor headcount.

Alan Beugg is a financial advisor at Focus Partners Wealth, LLC with 28 years of industry experience. He holds a Series 66 designation and has previously worked at Kovitz Investment Group Partners, Ifam Capital, PURSHE KAPLAN STERLING INVESTMENTS, UBS Financial Services, and Citigroup Global Markets. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with a range of wealth management and advisory services. The firm emphasizes long-term, tax- and fee-sensitive portfolio construction using a blend of active and passive strategies within an enhanced open architecture framework.