Carter Smelser is a financial advisor with Cambridge Investment Research Advisors in Denver, CO, holding a Series 66 designation and 12 years of industry experience. His prior work includes roles at Securities Management and Research, Inc., BFC PLANNING, Inc., and Berthel Fisher & Company Financial Services, Inc. since 2014. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory through a large network of independent Financial Professionals. The firm provides investment solutions tailored to client objectives across multiple platforms, with a mix of proprietary and third-party strategies.

Susan Haupt is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2013. She began her career at Fidelity in 2008 and has held positions including Financial Representative, Investment Consultant, and Account Executive. Prior to joining Fidelity, she was a Registered Representative at Charles Schwab from 2007 to 2008. Susan holds insurance licenses in Arkansas and California. She focuses on creating financial plans that support sound investment decisions and simplify clients' lives, emphasizing integrity and trust in her approach. Outside of her professional work, Susan has personal interests in comedy, fitness, and reading.

Andrew Hait is a ChFC® credentialed financial advisor with Edward Jones in Denver, CO, where he has worked since 2004. He has 21 years of industry experience. Outside of his advisory role, he serves as Vice President of LETIP of Arapahoe County, assisting with meetings and managing petty cash for chapter activities. Edward Jones is a wealth management firm serving both individual and institutional clients, managing over $1 trillion in assets. The firm provides a range of advisory programs and investment strategies supported by a large network of financial advisors and offices nationwide.

Julie Martinez is a CFP® and holds a Series 66 license with Edward Jones in Erie, CO. She has seven years of industry experience, including five years at Key Equipment Finance before joining Edward Jones in 2018. Outside her advisory role, she has a minor involvement with DistroKid. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Mosley is a financial advisor with J.P. Morgan Securities, holding Series 63, 65, and 66 licenses and 18 years of industry experience. His career includes roles at Merrill, Edward Jones, Transamerica Capital, and currently at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of finance, he was involved with Rocky Mountain Car Wash LLC from 2022 to 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Brendan Willigan is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and has previously worked at Two Roads Brewing Company and USA Sports. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies.

Celeste Villegas is a CFP® with five years of industry experience, currently serving as a financial advisor at Fidelity Investments. She previously worked at First Western Trust for four years and Fidelity Brokerage Services LLC for six years. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non‑discretionary portfolios, including multi‑manager and fund‑of‑funds structures.

Sergio Gutierrez is a financial advisor with J.P. Morgan Securities in Denver, CO, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has worked with J.P. Morgan since 2017 and has prior experience in media and data solutions companies. Outside of his advisory role, he is an owner and partner in a family-owned concrete company and a real estate holding company in Colorado. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Eric Holloway is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 19 years of industry experience. He has managed Holloway Wealth Management Inc. since 2015 and has been affiliated with Raymond James since 2012. Outside of his advisory work, Holloway serves as a personal representative managing the finances of his parents and acts as a trustee for a family trust. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using analytical modeling and supports its broad advisor network with advisory programs and institutional portfolio management.

Michael Martin is a Series 66 licensed advisor at J.P. Morgan Securities with 11 years of industry experience. He has held various roles within J.P. Morgan entities since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Katie Boyce is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Elizabeth Thorpe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 46 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Her spouse owns Canmac Engineering Corporation, where she serves as secretary and check signer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Chad Ernzen is a financial advisor with Edelman Financial Engines in Westminster, CO, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2016, following a year at Tmfs Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services focused on retirement accounts, IRAs, taxable accounts, and institutional clients, managing both model-based and customized portfolios. The firm serves a large client base through advisor-led and online offerings and operates a mix of discretionary and non-discretionary programs overseen by a firm Investment Committee.

Preston Kendrick is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He began his career at Fidelity Investments in 2016, progressing through several positions including Investment Solutions Representative and Investment Consultant. Prior to joining Fidelity, Kendrick was a Financial Representative at PRUCO SECURITIES, LLC in 2015. He holds a California Insurance License, supporting his work in financial advising and planning. Kendrick emphasizes building strong relationships with clients to develop personalized financial strategies that evolve over time. Outside of his professional responsibilities, Kendrick has interests in fitness, golf, pets, reading, and traveling.

Michael D’epagnier is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 36 years of industry experience. Prior to joining Osaic in 2023, he worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory work, he is a licensed insurance agent and a co-owner of Brighton Financial Center LLC. Osaic Wealth, Inc. serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers. The firm offers a broad range of financial services and uses various analytical tools and third-party platforms to construct and manage portfolios.

Cira Villalpando Forbes is a Series 66-licensed financial advisor with Edward Jones in Louisville, Colorado, with eight years of industry experience. She has been with Edward Jones since 2018 and previously worked at 40 North Foods. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory programs and affiliated services, supported by a large network of advisors and branch offices nationwide.

Zachary Marquez is a financial advisor with RBC Capital Markets in Denver, CO. He holds a Series 66 designation and began his advisory career in 2025. Prior to joining RBC, he worked in various roles including at Dell Technologies and Chipotle, and he was involved with Rocky Mountain Spice Company. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles and investment preferences.

William Bradford is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as a First Vice President with The Thisted Group. He primarily works with executives, business owners, and affluent families, focusing on personalized wealth management strategies to pursue clients' goals. Mr. Bradford takes a client-centric, goals-based approach, tailoring custom strategies using a wide range of tools after careful analysis to meet unique client needs. His expertise includes executive compensation, family wealth management strategies, legacy planning, portfolio management services, tax minimization, retirement income, and services for endowments, foundations, and non-profits. Additionally, he advises clients on credit and lending through Bank of America, estate and trust planning strategies, risk management for concentrated stock positions, hedging, monetization, and philanthropic services. Mr. Bradford holds a Bachelor's Degree from the University of Iowa and holds the professional designations of Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He resides in Denver with his wife and enjoys reading, skiing, traveling, and golf in his free time.

Kyle McGrath is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2020. Prior to that, he was with Gerber, LLC and Raymond James Financial Services, Inc. from 2016 to 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm uses a quantitative asset-allocation process combined with centralized due diligence and integrates an ESG eligibility framework when recommending investment strategies.

Jin Kim is Vice President and Executive Planning Consultant at Fidelity Investments, a position held since 2021. In this role, Jin partners with clients to guide them through their financial journeys by helping them understand the various components of their financial plans and how they interact. Jin's professional experience includes prior roles at Charles Schwab, where Jin served as Senior Private Client Advisor from 2014 to 2021, Portfolio Consultant from 2008 to 2014, and Associate Portfolio Consultant from 2006 to 2008. Jin holds insurance licenses in Arkansas and California.