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Scott Pearson

President

Scott founded FPS Trust Company in 2013. He has dedicated more than 35 years of his career to the financial services industry. Scott began his career at Piper Jaffray before working at Universal Pension where he led a team of over 300 to become one of the top recordkeepers in the space prior to it being acquired by Ascensus. He then moved to Matrix Settlement and Clearance Services where he served as President of its affiliate MG Trust Company. There he helped increase revenue by focusing on infrastructure and product development. He excels in long-term planning, creating business efficiencies and managing strategic initiatives.

As President & CEO of FPS Trust, Scott is responsible for product development, strategic relationships with clients and partners, and financial and operational oversight. He enjoys leading and collaborating with his team to deliver excellent results for each client.

He is the chairman of the Association of Colorado Trust Companies, has served on the Colorado Banking Board and is the Chairman and Founder of Denver Golfer’s Against Cancer, a charity dedicated to cancer research. Scott is an avid golfer and he loves to watch his two sons play collegiate golf for Colorado Mesa University and Pacific Lutheran University.

Susan Baber

Director of Marketing

Susan recently joined FPS Group in 2020 with 25 years of experience in financial services. Early in her career, she worked as a marketing manager at AT&T before pivoting to start her own practice as a financial advisor to individuals and small businesses. Committed to providing and promoting solutions to financial advisors and institutions that best fit their needs, she became a Marketing Director in the wealth management and advisor education markets. A lifelong learner, she has been a Certified Financial Planner® since 1998 and recently earned her Retirement Management Advisor® certification from Investments & Wealth Institute.

She has successfully created and implemented a variety of creative campaigns using both digital and traditional media. Susan specializes in marketing that drives results, whether a campaign for a product solution, an event, educational webinar, or the like, using her experience in the industry to focus on messages that resonate.

As Director of Marketing at FPS Group, Susan is responsible for working with the sales team to craft messaging and campaigns that promote the full suite of FPS Group products, including the IPX platform, Advisor Connect, our safe harbor IRA solution and custom-branded IRA programs.

A Texas native, Susan has lived in Colorado for more than 26 years and considers herself a Coloradoan at heart. She is married with two daughters, both in college, and loves hiking in the mountains, biking around the neighborhood, and traveling around the world.

Kevin Loffredi

Chief Product Officer

Kevin Loffredi is Chief Product Officer of FPS Group. In this role Kevin ensures that the tools and solutions are built to align with the company’s vision. In the process of building solutions, he believes that the product organization needs to work closely with clients, operations, sales, and technology to ensure great outcomes.

Kevin’s product management background comes from more than 20 years of experience building solutions for the financial services industry and being a user of technology as a financial planner. He built an industry-leading research tool, Annuity Intelligence, which was sold to Morningstar in 2010. At Morningstar, Kevin was responsible for a team that built bespoke solutions that leveraged Morningstar’s vast capabilities. Understanding the user and putting them first are requirements of successful solutions.

As a subject matter expert on the topic of variable annuities, Kevin has trained FINRA examiners as well as spoken at national conferences and created continuing education content.

Kevin attended Northern Illinois University where he received his Bachelor’s of Science in Finance. In addition, he holds his FINRA Series 65 and is a CERTIFIED FINANCIAL PLANNER™ Certificant.

When Kevin is not building out product roadmaps and working with epics in Jira, he can be found rebuilding cars and engines as well as racing them on the track with his son and brother (and daughter – when she turns 18). Kevin is married to a lovely and patient lady.

Bill Mueller

CEO, FPS Group

As the CEO of FPS Group, Bill Mueller is responsible for the vision, strategy, and day-to-day operations of the business. Bill has a proven executive management track record of 20+ years of experience driving growth in the technology industry. He believes that putting the right technology-based platforms in the hands of financial advisors, broker-dealers, TPAs, and investment providers improves investment outcomes for all retirement savers.

Prior to joining FPS, Bill was the CEO of Fi360, Inc. At Fi360, Bill led the firm’s transformation into an enterprise-focused company, while tripling the size of the firm in five years. Fi360 was purchased by Broadridge Financial Solutions, Inc. (NYSE:BR) in November 2019. Previously, Bill served as CFO of Renda Broadcasting Corporation and has held various senior product management roles at technology firms such as Entigo Corporation and ServiceWare.

Bill holds an MBA from the Wharton School at the University of Pennsylvania and a bachelor’s degree from the University of Notre Dame.

Michael Shaeffer

Vice President of Business Development, IPX

Michael joined the FPS Group in January of 2020 as a sales leader on our IPX team. Michael brings over 30 years of experience in the retirement plans and financial services industries. He began his career in West Texas specializing in the design and offering of retirement plans to the Education and Healthcare markets.

Michael has been recognized as a leader in the industry. He has built and managed sales teams, executed on the development and execution of strategic growth plans and continues to achieve success in growing the retirement plan industry. His leadership, in-depth understanding of the retirement markets and his reputation as a valued resource in the industry, make him a great addition to the FPS Group.

As VP of Business Development at FPS Group, Michael is responsible for working with plan sponsors, broker dealers, distribution partners, product providers, third party administrators, consultants and RIAs to provide the best retirement solutions using leading edge technology.

Michael is married and lives in Pasadena, California.

Eric Lutz

Director of Sales

Eric comes to us with a wealth of knowledge in the financial services industry. He worked for five years at Midland Trust Company where his primary focus was building the self-directed IRA market in the commodities and foreign exchange space. He was responsible for developing relationships and growing the company’s footprint in these specific industries through attending conferences as well as other channels to help educate different industry professionals on how to raise capital through qualified funds.

Eric’s primary focus at FPS is the IRA market which is where his passion has lied ever since graduating from Furman University. Specifically, he works with plan sponsors, consultants, and advisors to help eliminate the risk for missing participants in their plans as well as offering different solutions for uncashed checks that might be associated with their plan.

Being a Florida native, Eric has played tennis throughout his whole life and played collegiately at Furman University. He also enjoys playing golf, boating, and traveling to new places throughout the country.

Hyuk Jo

Supervisor of Operations and Compliance, FPS Services and FPS Trust

Hyuk recently joined the FPS Group in 2019. He has more than 12 years of experience in the financial services industry. Prior to joining the FPS Group, Hyuk led various departments at Empower and PENSCO Trust Company where he improved services times and compliance awareness. Hyuk has a strong background in retirement training, compliance, and regulatory oversight. One of Hyuk’s career highlights was being interviewed by the Wall Street Journal.

As Supervisor of Operations and Compliance, Hyuk is responsible for developing efficiencies in processing, managing client relations, and ensuring regulatory requirement compliance for FPS. He also manages various technical processes, including: In-Plan Roth Rollovers, plan restatement assistance, and other various transactions.

Hyuk enjoys rooting for the University of Colorado Buffaloes and coaching his son’s football team. In his off days, you can find Hyuk hiking or fishing.

Shauna Lynn

Controller

Shauna started with FPS in 2013 as a part-time contractor. Shauna came on board in 2015. She has more than 17 years of accounting experience across multiple industries. The nine years prior to FPS, Shauna worked as a public accountant preparing personal and business tax returns and compiling and reviewing financial statements. Her strengths and expertise consist of financial statement and reporting, budgeting and forecasts, and business tax and compliance.

As Controller of FPS Group, Shauna is responsible for the financial statements, reporting metrics and analytics, budgeting and forecasting, and overseeing the accounting department. Since joining FPS, Shauna has built an accounting department that is highly focused, producing high quality results and supporting the growth of the organization. Shauna and her team work closely with other FPS departments for effective collaboration and communication across the company.

Shauna graduated from The University of Tennessee at Chattanooga with a double major in Business Administration in Accounting and Finance. Shauna currently serves as the Treasurer of the Board and a volunteer for the Denver Golfer’s Against Cancer charity, dedicated to cancer research. She enjoys spending time with her son. In addition, she also enjoys snowboarding, golfing, hiking, and relaxing with friends.

Liz Alexander

Vice President of Operations & Compliance

In March 2018, Elizabeth “Liz” joined FPS Trust Company as VP of Operations and Compliance Officer. Liz has 20 years’ experience in the financial industry, primarily focused on operations within the retirement sector. Previous to FPS, Liz started her career at Lincoln Trust Company and, through several mergers and acquisitions, was VP of Operations at Pensco Trust Company overseeing 85 people in the Denver, CO office. Liz has a passion for operations and being able to support clients in their retirement needs. Her experience and leadership have led to great success with high performing teams and processing accuracy.

As VP of Operations of FPS Trust, Liz is responsible for the daily operations of five different solutions. She is also the relationship manager for outside institutional vendors and customers, sales support, compliance (including audits), and strategic planning. Liz loves supporting her staff and seeing them learn and grow in their career.

Liz is a proud native of Colorado and still calls it home along with her husband and two children. When she has free time between the kids’ competitive football, basketball, and gymnastics, Liz enjoys relaxing with a good book or friends.

Mike Gottfried

Senior Vice President of Operations, FPS Services

Mike has over 20 years in the retirement plan industry. Through his career, Mike has developed a wide range of experience, focusing on client service delivery, including daily recordkeeping and administration, plan conversions, performance management and sales support. Mike was Co-Founder of Aspire Financial Services, where he held several roles including COO over his 16-year tenure. Previously, Mike spent two years with InvestLink Technologies, where he served in a variety of roles including software training, conversions and quality assurance. Prior to InvestLink, Mike worked for United Asset Management (UAM) Retirement Plan Services where he was involved in new plan conversions and daily valuation administration of existing plans.

As SVP of Operations of FPS Services, Mike is responsible for daily recordkeeping operations for 403(b), 457, 401(a) and other retirement plans, including Health Savings Accounts. He is involved in strategic planning, product development, sales support and customer service. He is also is responsible for the relationship with FPS’s technology team.

In 2010, Mike was recognized as a Florida Finalist for Ernst & Young’s prestigious Entrepreneur of the Year award and in 2011, under his leadership, Aspire Financial Services was ranked #18 on the Tampa Bay Business Journal Fastest 50 Growing Companies list.

Mike enjoys skiing with the family and watching Colorado Avalanche hockey. He received his BBA from Hofstra University.

Jennifer Crawley

Director of Technology, Nexus Financial Services, LLC

Jennifer joined Nexus in August of 2013 as Director of Technology. Prior to joining Nexus, she worked in Technology and IT Relationship Management roles in the Healthcare, Pharmaceutical and Government industries. In these roles she excelled at collaborating with the business needs and IT development needs. For her work with the State of NJ on the NJAdopt.org website, she was recognized with an award for her service to foster children.

As Directory of Technology for Nexus, Jennifer works with FPS affiliates, FPS Trust and FPS Services to discover and understand their needs to drive delivery of innovative solutions and to provide quality management and support for their existing applications. She works closely with the development team and business analysts to make sure new development meets the business needs.

When not at work, she can be found at dog parks, bookstores, traveling the world and ComicCon.

Tim McKinley

Manager of System Support

Tim joined FPS Group in 2017. He has dedicated more than 10 years of his career to the financial services industry. Tim began his career at Morgan Stanley where he worked in various capacities from in Operations, Internal Audit, Risk Management, and Compliance. Tim later worked as a consultant for some of the largest Broker Dealers in the industry with a focus on process improvement and system development. He excels in bringing teams together to achieve a common goal while leveraging his expertise in the nuance of operational efficiency and control.

At FPS, Tim is responsible for production support, development requirements gathering and user acceptance testing and oversight. He works with various departments at FPS to improve operational, product and customer experiences . Additionally, Tim is our point person for tracking all system issues from identification to resolution.

Tim is a passionate skier and he loves any excuse to get outside, from hiking to fly fishing, however his main passion is anything that involves his puppy.

Jarrod Gelroth

Manager of Operations

Jarrod joined FPS in September of 2015, and has over 10 years of experience in Financial Services. He started his career with Empower in the broker services department, then moved to MG Trust here he worked in operations. Jarrod excels in improving operational processes, implementing business solutions, and creative problem solving.

As Operations Manager at FPS, Jarrod is responsible for daily SLAs across FPS products, training and developing staff, and increasing operational efficiency while working with internal and external partners. He is dedicated to working with his team to provide an optimal experience for clients.

Jarrod enjoys traveling, reading, and spending time with his family.

Mark Koeppen

Senior Vice President of Strategic Rollovers

Mark has over 25 years of experience with retirement plan management, consulting and compliance. He worked for 15 years with Great-West Life; five of which were in recordkeeping operations, the last ten were in institutional management, product design and developing system enhancements. Then Mark moved to MetLife and spent another seven years managing retirement plans, consulting on plan design, funds management and simplifying administrative compliance. Since 2014 Mark has been focused on addressing retirement plan leakage and plan sponsor best practices for managing missing participants with frequent contributions to industry articles and conference speaking engagements.

Since joining FPS Trust in 2017, Mark has led our IRA market solutions, focusing on auto-rollover IRAs for missing participants, uncashed checks, and plan cash-outs. He has developed a comprehensive package of services to assist consultants, advisors, and plan sponsors successfully eliminate the risk associated with having missing participants in the plan.

Mark serves as the Chairman of the Finance Committee and is on the Board of Directors for Sandstone Creek Club to ensure the club is successful and allows the owners to continue to experience the beauty of its surroundings in Vail Colorado. Being a Colorado native, he enjoys taking his family to the mountains to enjoy golf, fishing, hiking, and historic small towns. While four of his five children are grown and away at school, he and his wife of 29 years still enjoy the antics of their 11-year old.

Troy Dryer, CRPC, AIF

Vice President of Business Development, IPX Platform

Troy Dryer is Vice President of Business Development of IPX retirement platforms at FPS Group, LLC with nearly 30 years of industry experience. Troy specializes in retirement plans for plan sponsors in healthcare, higher education, church and government. He has extensive knowledge in all types of retirement plans, including 401(k), 403(b), 457 and non-qualified plans. He has helped many organizations set up executive comp and cash balance plans allowing key executives/highly compensated employees save more for retirement.

Prior to joining FPS, Troy held various leadership and sales roles. As Managing Vice President of Business Development and Client Retention at VALIC, Troy implemented a new CRM system, improved RFP delivery, increased his sales team’s productivity, and implemented change to client interaction that resulted in an increase large client retention. In addition, he held several key process improvement positions at VOYA Financial, Fidelity and National Benefits Services that improved client experience outcomes.

As a subject matter expert, Troy has spoken at regional and national industry conferences including NACUBO, ASHHRA, and NAGDCA on retirement trends and compliance topics. As a thought leader on emerging industry trends, Troy has created education material, presentations and white papers on plan design and different participant applications.

Troy attended the University of Utah where he received his Bachelor of Science in finance. In addition, he holds the FINRA Series 7, 24, 63 and 65 registrations.

Richard Moser

Vice President Strategic Relations

Rick has dedicated more than 35 years of his career to the employee benefits and financial services industry. Rick began his career at United Healthcare Inc, a Baltimore MD based health care firm. After moving to Denver Colorado, he worked with Fiserv Trust, successfully securing agreements with over 80 independent recordkeepers to utilize Fiserv’s mutual fund trading and custodial solution and was instrumental in the company’s doubling of assets under custody. Joining Aspire Financial Services in 2006 as VP National Sales, Rick worked directly with hundreds of advisors and plan sponsors and headed national sales and working directly with independent advisors. During his time with Aspire, the company experienced significant grow in both 401k plans/assets as well as 403b plans/assets.

As Vice President of Strategic Relations, Rick is responsible for obtaining and maintaining key advisor and plan relationships. Rick works directly with advisors, third party administrators, plan sponsors, distributors and investment firms. He assist with RFPs, training, performing demos and sales calls.

In his free time, Rick enjoys skiing, camping and hiking.

Darlene Dailey

Vice President of Business Development

Darlene joined FPS Group – IPX (Investment Provider Xchange) in 2018. She has dedicated 30 years of her career to the financial services industry. Darlene began her career at CitiStreet in the 403(b) and 457(b) retirement plan markets. She developed and executed national sales plans, managed strategic relationships and consulted on retirement plan design, all of which contributed to CitiStreet becoming a nationally recognized leader in the retirement plan industry. Darlene went on to work with other industry leaders like MetLife, AIG VALIC, and AXA before joining FPS Group.

As VP of Business Development at FPS Group, Darlene is responsible for working with plan sponsors, broker dealers, RIAs, product providers, consultants and third party administrators to bring the best retirement plan solutions with leading edge technology to retirement plan sponsors and participants via the IPX recordkeeping platform.

Darlene is married and has one daughter. She enjoys spending time with family, traveling, discovering new restaurants and fishing.

Jamie DeRubertis

Managing Director & Chief Revenue Officer

Jamie DeRubertis is a Managing Director and Chief Revenue Officer of FPS Group. In this capacity, he is responsible for driving revenue growth through alignment of all revenue generating activities including: Sales, Marketing, and Customer Service. Jamie lead the formation of FPS Group in 2013 while working as a Managing Director of Bluff Point Associates, which owns FPS.

Prior to joining Bluff Point in 2012, Jamie was National Sales Manager of Matrix Settlement & Clearance Services, where he was instrumental in its revenue growth and strategic positioning prior to the company’s sale to Broadridge Financial in January of 2011.

Before joining Matrix, Jamie was Vice President in the Mutual Fund Services Division of the Depository Trust & Clearing Corporation (“DTCC”). At DTCC, Jamie was director of bank marketing focused on growing the financial industry’s use of the Depository’s automated mutual fund services. Jamie has served as a marketing and sales executive in the securities clearing and bank/trust services space since beginning his career in clearing mortgage-backed securities in 1988.

Jamie received a BA from Manhattan College in Riverdale, NY and an MBA from Fordham University in New York City. He and his wife, Kristine, have raised four children. “Although,” he says, “we haven’t referred to them as children for years.”

Paul Delcogliano

Vice President of Technology
Nexus Financial Services, LLC.

Paul graduated Pace University in 1993 with a bachelor degree in Management Information Systems. In 2012, Paul co-founded Nexus Financial Services.

Paul has been working with Microsoft technologies for over 25 years. Throughout that time, he has worked for a wide variety of firms including fin-tech, advertising, and consulting companies. He has built systems for a diverse range of delivery platforms including Windows, Web and mobile. At Nexus, Paul oversees a team of developers and is the lead software architect of the IPX Platform. In this role, he works closely with business stakeholders to develop applications which improve operational efficiency and enhance FPS Group’s product offerings. Building secure, high-performing and scalable systems is one of his passions.

Back before print media died, Paul authored many articles and columns on a variety of topics, and co-authored a book or two for various trade publications, including Microsoft Press. Paul has taken up running and has participated in several half marathons. He is an avid Star Wars fan. You may even spot him at a comic convention dressed as his favorite characters from the movies.

Amy Frisina

Trust Operations Manager

Amy joined FPS in 2016, she is involved in many different areas within trust operations. Amy has over 20 years’ experience in the financial industry. Prior to starting with FPS, Amy worked at Matrix Settlement and Clearance Services, where she held various roles from Operations, Account Executive and lastly a Business Analyst.

With FPS, Amy oversees daily operations, reconciliation, tax reporting and filing along with business analysis and new client implementation. Amy has streamlined existing procedures and created new processes to accommodate business growth. She has been instrumental in building a strong team that continues to provide high quality and customer service through significant growth.

She holds a degree in Finance from the University of Colorado at Boulder.

Amy enjoys spending time outdoors, especially in the mountains, with family and friends.

Brandy Walters

Vice President of Relationship Management

Brandy joined FPS Trust in May 2013, as the second employee, specializing in the fields of automation and technology. Brandy has 20 years’ experience in the financial industry. Previous to FPS, Brandy started her career at Matrix Trust Company where she held various positions, including creating and maintaining its automatic IRA rollover platform. From there Brandy went to work for Charles Schwab in the Trust Services training department where she served as a client consultant on business efficiencies and platform development projects.

As VP of Relationship Management at FPS Services, Brandy is responsible for building and maintaining strategic relationships with retirement plan providers, plan sponsors, retirement advisors and Third Party Administrators. She also works very closely with the FPS business units and the sales team to onboard new business to the IPX platform.

Brandy is originally from Colorado but recently moved to Phoenix. She enjoys spending her time traveling, sailing, and being with her dogs.

Cary Sun

Vice President of Technology and Development Manager, Nexus Financial Services, LLC

Cary Sun co-founded Nexus Financial Services in 2012. Cary steers FPS’ technology strategy, from design to implementation. This responsibility includes leading FPS’ development and IT teams. Cary’s experience in financial technology spans over 30 years in various trust, custody, banking, brokerage, and retirement service companies. Prior to his current role, Cary was VP of Technology at Matrix Settlement and Clearance.

Cary holds a bachelor’s degree in Economics, with a minor in Business Management from SUNY Stony Brook. He is the proud father of Jeffery, who works as a Data Analyst, and Cynthia, a passionate Digital Designer.

Cary is a fan of the culinary arts, is an accomplished world traveler, enjoys recreational cycling, and still has a soft spot in his heart for his childhood heroes, Ultraman and Batman.

Alan Hathorne

Senior Director, Information Technology

Alan manages security and infrastructure for FPS ensuring compliance, reliability, and uptime for critical systems.

Prior to joining FPS, Alan led the corporate IT team for Thompson Creek Metals. During that time his team built a state-of-the-art technology infrastructure for the company’s crown jewel, the Mt. Milligan gold mine. Alan has over 25 years of technology experience in several different fields, including financial services, GIS, education, and mining.

Alan holds a B.S in Education from the University of New Mexico. In his spare time, you will find Alan in his wood shop, or on a river in Colorado trying to coax a trout to bite.

Alex Lee

Senior Business Analyst, Nexus

Alex joined Nexus in the fall of 2012 after graduating from the University of Chicago with a bachelor’s degree in economics. As a long-standing member of Nexus, Alex is well-versed in financial processing and recordkeeping rules and workflows from a software development perspective, and has leveraged this for FPS and associated partners to address and implement new business workflows and onboard new clients under the FPS umbrella. On a day-to-day basis, Alex is in constant contact between clients and developers to ensure an expedient and satisfactory experience for our current and new clients.

Outside of the office, Alex is an avid distance runner, and has competed in numerous marathons and half-marathons across the United States. He hopes to achieve a qualifying time for the Boston Marathon and complete each of the world marathon majors.

James Olson

Managing Director

With more than 20 years in the retirement plan industry, James Olson is a recognized leader with demonstrated success developing forward-thinking product and service model designs that have had a significant impact on the retirement plan marketplace.

James got his star in the retirement industry in 1990 as a Client Services Manage at Bank of America Retirement Services and obtained his Series 7 and 65 licenses. In 1994, James secured a position with Charles Schwab & Company as Senior Product Manager in the Retirement Marketing department responsible for the small business retirement product line which included SEP, SIMPLE, Profit Sharing, Money Purchase, 403(b)(7) and Pension Trust brokerage accounts that totaled over $100 billion in assets.

After five years with Charles Schwab & Company, James was recruited by Decimal Inc. (now Ubiquity). As Senior Vice President of Strategic Initiatives, he developed business requirements for an online 401(k) platform and the marketing strategy for institutional sales channels that increased their client base by more than 35%.

In 2002, James became one of the founding partners of ASPire Financial Services. During his tenure, he helped grow the company from a start-up with 1 employee to 165 employees with $18 million in revenue, making ASPire #18 among the Tampa Bay Business Journal’s 2010 Fast 50 (honoring the 50 fastest-growing privately held companies in Tampa Bay) and making ASPire a 2010 Florida Finalist for Ernst & Young’s prestigious Entrepreneur of the Year award. As a co-founder and Chief Marketing Officer at ASPire, he developed and executed product strategies that have made ASPire a recognized institutional brand in the financial services market, with more than $6 billion of recordkeeping assets under administration, approximately 175,000 participants, and serving 5,700 retirement plans.

With a strategic vision to influence the retirement markets again, James joined the Bluff Point Associates team in October 2013 to develop the Investment Provider Xchange (IPX) platform for the 403(b) marketplace. The IPX platform addresses the operational administrative governance of 403(b) plans with multiple investment product providers and their distribution channel partners in a single processing environment. As the lead executive in charge, James is responsible for the overall strategic direction to achieve business goals.

In addition to helping the retirement plan industry efficiently and effectively serve American savers, James loves to make music. He is an accomplished guitarist, has amassed an impressive “axe” collection and likes to jam with his band The 402(g)s.

Jennifer Quann

Supervisor, FPS Services

Jennifer joined FPS Trust in 2015. She has over 10 years’ experience in the financial industry. Prior to starting with FPS, Jennifer worked at Health Savings Administrators where she was responsible for the daily operational functions, including trading, reconciliation, installations, and conversions.

Jennifer is supervisor of the FPS operations team, which performs trading, reconciliation, distributions and contribution processing. In addition, Jen authors business requirements for our software development team and performs software testing. She enjoys interacting with the services team to find new and innovative processing methods to deliver outstanding service to customers.

Jennifer contributes her time and passion to Volunteers For Outdoor Colorado and enjoys hiking and paddle boarding.