Richard Duda is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Independent Financial Partners. His prior work history includes roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, spanning nearly two decades. He is also the sole owner and employee of Pine Tree Wealth Management LLC, a personal financial management entity. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm supports a multi-advisor platform and offers a decentralized advisory model with specialized retirement-plan advisory and pension consulting capabilities.

Gary Merlette is a financial advisor with TIAA-CREF in Denver, Colorado, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining TIAA-CREF in 2019, he worked at TD Ameritrade, Transamerica Investors Securities Corporation, Transamerica Retirement Advisors, and Great West Life & Annuity Insurance Company. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA-administered retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management using either model or customized portfolios under a fiduciary standard.

Harold Graper Jr. is a CFP® and holds a Series 65 license with five years of industry experience. He has been with CIBC Private Wealth Advisors, Inc. since 2005. Based in Denver, CO, he works within a firm recognized for providing investment advisory and wealth management services to a diverse client base, including individuals, families, trusts, employee benefit plans, corporations, and investment companies. CIBC Private Wealth Advisors combines an internal investment team with governance committees to create customized portfolios and offers access to complex strategies such as options hedging and structured notes.

Jeremy Clark is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Primerica Advisors since 2008 and also has experience with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory work, he is involved in insurance sales beyond Guardian and holds ownership in Lucet Advisors LLC. Park Avenue Securities LLC serves a diverse retail client base including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and business consulting. The firm utilizes a range of investment strategies through proprietary and third-party platforms and supports various account-level services such as securities-based lending and tax-harvesting.

Charles Wetmore is a CFP®-designated financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He previously worked at Transitions Wealth Management, LLC and Charles Schwab. Mercer Global Advisors provides investment advisory and planning services to individuals, families, business owners, corporate plan sponsors, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options including ETFs, mutual funds, and separate accounts.

Patricia Nicole Quierrez is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 66 and Series 63 designations. Her prior work includes roles at Wells Fargo Clearing Services, E*TRADE Securities, and Riversource Distributors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns, annual rebalancing, and client savings rates in its planning approach.

Alexander Barrios is a financial advisor with Schwab Wealth Advisory Inc., holding Series 63 and Series 66 credentials and 17 years of industry experience. His career includes roles at Charles Schwab since 2017 and prior experience at Transamerica Capital Inc. from 2013 to 2017. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm provides investment recommendations and annual account reviews but does not exercise discretionary trading authority.

Bruce Inscoe is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked at Advised Assets Group LLC since 2017 and previously at Gwfs Equities, Inc. from 2014 to 2017. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach is tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Tammie Myers Sharp is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked with Primerica Advisors since 2008 and is currently associated with Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she serves as an advisor and prayer leader on the board of directors for the Christian Women Business Organization. Park Avenue Securities LLC serves a broad retail client base, offering both brokerage and advisory services, including financial planning and retirement-plan consulting. The firm utilizes a combination of proprietary model portfolios, third-party managers, and digital advice solutions to implement investment strategies for individual and institutional clients.

Chris Schafersman is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at TIAA-CREF and Tiaa since 2011 and has been involved with Lyft and Uber as a rideshare driver. Additionally, he manages 5th Season, a family-owned lawn care business, and Wuduwerks, which creates and sells handcrafted woodworking pieces. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm offers point-in-time financial plans alongside optional managed account solutions, operating within a model integrated with Empower’s administrative and recordkeeping platforms.

Elva Fako is a financial advisor at Commonwealth Financial Network in Denver, CO, with four years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Garden Street Financial Group LLC, Charles Schwab & Co., Inc., and Centura Health. 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 hundreds of thousands of clients. The firm offers a comprehensive adviser-support platform, including managed-account programs, third-party asset manager access, and retirement consulting, managing roughly $212.7 billion in client assets.

Andrew Lang is a financial advisor at &PARTNERS with 32 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined 26 years. Outside of his advisory role, Lang serves on the Business and Entrepreneurship Education Committee for Littleton Public Schools and is a director of the Littleton Business Chamber. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers a range of financial services such as investment management, financial and tax planning, and ERISA consulting using both proprietary and third-party strategies, with accounts managed on discretionary and non-discretionary bases.

Benjamin Kastrul is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and currently based in Denver, CO. He has one year of industry experience, including prior roles at Garden Street Financial Group and Clearwater Analytics, as well as work in hospitality and education sectors. Commonwealth Financial Network serves a national network of approximately 2,900 affiliated advisors and manages around $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform featuring managed-account programs, access to third-party asset managers, and custody/clearing services.

Scott Walker is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Empower Advisory Group since 2023 and Personal Capital Advisors since 2014. 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 account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Curtis Warner is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments. Before his financial services career, he was involved in the brewing industry with 20 Corners Brewing Company and Flatstick Pub. 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 clients. The firm’s approach integrates planning and management with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Andrew Hefner is a CFP® with seven years of industry experience. He is currently with Empower Advisory Group and has previously worked at Personal Capital and Bank of America Private Bank. 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 delivered through an integrated model tied to Empower’s recordkeeping and administrative platforms and include both point-in-time financial plans and optional managed account solutions.

Ryan Hulslander is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. His career includes roles at U.S. Bancorp Investments, Inc. and Fidelity in various capacities spanning over a decade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focusing on long-term portfolio returns and savings rates within a model closely tied to Empower’s recordkeeping and administrative platforms.

Andrew Lollback is a financial advisor at Creative Planning with 15 years of industry experience. He holds a Series 66 designation and has worked at Creative Planning since 2021. Prior to that, he spent five years with Lockton Investment Advisors, Lockton Companies LLC, and Lockton Financial Advisors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base, including high-net-worth individuals, pension and profit-sharing plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in assets across more than 1,100 advisors and 151 offices.

Joseph Wittels II is a CFA® charterholder with 12 years of industry experience. He is currently with CIBC Private Wealth Advisors, Inc. in Denver, CO, where he has worked since 2022. Prior to that, he held positions at Bank of the West and JPMorgan Securities LLC. CIBC Private Wealth Advisors provides investment and wealth advisory services to a diverse client base, including high net worth individuals, families, trusts, and investment companies. The firm offers customized portfolio management, financial and estate planning, and coordinated Family Office services, supported by a combined internal investment team and external managers.

David Grant III is a financial advisor with Empower Advisory Group and holds Series 66 and Series 63 designations. He has 26 years of industry experience, including prior roles at Fidelity Brokerage Services LLC. He has been with Empower since 2018. 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 account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning approach.