Ryan is a rare Colorado native, born and raised in Arvada. He attended The University of Denver and earned a degree in Finance. Since 2000, his financial planning skills have been honed by doing thousands of plans for clients. One of his true passions is making all aspects of the planning pieces work together in tandem and seeing a successful plan executed over the years.
Ryan began his career in the financial industry in 1997 with an internship at a multi-national brokerage firm. Upon entering the industry, he then ran the financial planning department for a different multi-regional firm helping develop and oversee the preparation of financial plans for all the firm’s advisors. Ryan then went on to become a CFP license holder in 2005 and has cultivated his knowledge over his 20 plus years of industry experience into co-founding his own firm. Along with Michael, who he met on the job and worked with since May 2000. They founded Tandem Financial with the focus and goal of helping clients regardless of their net worth with an emphasis on financial planning and wealth management.
Ryan is married to Jamie, also a Colorado native and they have two boys, Brennan and Logan. Jamie works at Children’s Hospital Colorado in the Learning Services Department as a learning specialist. Ryan loves being with his family, playing Lacrosse with his sons and spending weekends in the mountains skiing and enjoying the outdoors. Ryan’s favorite vacation is to the beach where he can enjoy the ocean and sun!
Michael was born in Alexandria, Louisiana and grew up an Air Force brat. The Air Force had his family moving around, starting in Louisiana, Panama in Central America, and Kansas. His family spent time vacationing in Colorado which is where his love for the state began. He graduated with a degree in Psychology from Louisiana College. Driven by an inherent desire to help others, he spent several years post-college working with at-risk families and homeless children. Pulled by his passion for helping people, Michael chose to move into the financial services industry in late 1999.
Michael began his career in the financial industry in 1999. He and Ryan worked together for almost 18 years at another firm before making the difficult, yet rewarding, decision to go out on their own. They co-founded Tandem Financial in March 2018, building on what they considered the most important foundations for any successful business - treating all clients like friends and family; putting others needs before your own; placing a high priority on family; and working with co-workers as a team to collectively serve clients and their needs. The name Tandem Financial really derives its name from its core mission which is to work together, in tandem, with clients to help them achieve their financial goals.
Michael is married to Sue, who grew up in Janesville, Wisconsin. His past is deeply rooted in the South, the SEC, and New Orleans Saints, which is in direct conflict with his wife, who is a Green Bay Packers and Big Ten Fan. He has three children: a daughter Eleigh, a son Evan, and another daughter Sadie. His oldest daughter lives and works in Wichita, Kansas and his son attends Lutheran High in Parker, CO and his other daughter attends school in Highlands Ranch, Colorado. Michael enjoys many of the outdoor activities Colorado has to offer, plus time in and around the ocean. He loves fly fishing, rock climbing, riding his Peloton and working out on Tonal.
Brad was born in Upland, California, the only boy with 5 sisters, moved to Orlando, Florida in high school. He worked his way thru college on the graveyard shift at UPS, while earning a degree in Finance from the University of Central Florida. Although, he experienced the beauty of the beaches of both coasts, it was the adventure of the mountains that called him to Colorado as soon as he finished college in 1984.
Brad has more than 35 years of experience in financial consulting to both institutions and families. He started his financial advisor career in 1985 with Union Central Life before becoming an independent financial advisor in 1988, when he formed Maddock Financial LLC. Brad has been a CFP license holder since 1991. Developing financial plans “sleep medicine” for his clients has been the foundation of each of his relationships. The challenge of improving asset management methods is what gets him up in the morning.
Brad is married to his soulmate Laura for more than 35yrs and they have 3 grown children and 4 grandchildren. Brad loves being with his family doing something fun outside like camping, hiking, or skiing. He is an active volunteer in the Catholic Church.
Ben has been active in the investment profession since 1990. In 1999, he founded Quantitative Equity Strategies (QES), a quantitative investment management firm that developed indices for the mutual fund industry. QES developed products spanning fixed income, managed futures, hedge fund, and private equity applications. In 2016, the firm’s index business was sold to a mutual fund complex.
Ben is also the author of Searching for Alpha: The Quest for Exceptional Investment Performance (Wiley, 2000) and has contributed to numerous industry publications. He was a founding shareholder and Chief Investment Officer of Sovereign Wealth Management, Inc., a multi-family wealth management firm acquired by United Capital Financial Advisers in 2011. He also served as Head of Quantitative Trading at Exis Capital, a New York-based hedge fund.
He earned an MBA from the University of North Carolina, a BS in chemical engineering from the University of Florida, and additional undergraduate degrees in physics and chemistry.
Beyond his professional work, Ben has a passion for serving non-profits. He has held board positions with Pacific Lutheran University, CrossPurpose, Bulla Networks and Torch Technologies. He enjoys traveling with friends and family, playing tennis or pickleball, scuba diving, and sharing other activities with his wife of 32 years and their three adult children.
Tom Brown was born and raised in Littleton, Colorado, where he grew up in a business-oriented household—his father a financial advisor and his mother a real estate professional. Summers spent in the Czech Republic with his mother’s family helped him build a strong connection to his heritage and led to his dual citizenship. Tom earned his degree in Finance from Colorado State University, laying the foundation for his career in financial services.
Tom began his journey with Tandem Financial as a summer intern in 2024, gaining hands-on experience and applying his academic knowledge in real-world settings. He officially joined the firm in 2025 and is committed to helping clients navigate their financial futures with confidence. Tom is passionate about building lasting relationships and delivering personalized strategies that align with each client’s goals.
Away from work, Tom enjoys staying active through basketball, tennis, golf, skiing, and fishing. He also has a keen interest in poker and personal investing, often spending time researching markets and exploring new strategies.
Pam Dorn was born in Denver, Colorado and is proud to be a native of this great state. After college she met and married her husband and moved to a rural town just east of Denver. There they began their family of 3 girls. They soon moved back to Aurora and raised their daughters there.
In the year 2000, Pam began working in the finance industry with a prestigious wealth management firm in Denver, gaining experience in all aspects of financial health. She gained knowledge and growth which expanded her role to the Chief Compliance Officer as well as the Director of Client Services. Pam has extensive experience in working together with advisors and their clients in a variety of ways to get the best results on the client’s behalf. Working with Tandem Financial as the Client Service Manager is a perfect complement to her building further client relationships.
Pam’s favorite things begin with her family. Spending time with her husband of 39 years is most important followed by time spent with her 3 daughters. Since they live in 3 different states, travel is high on her priority list. She also has 3 grandsons and 1 granddaughter (who is an absolute dolly). Pam is the youngest child of 7 siblings, and they meet regularly to play cards, have good food and enjoy each other’s company. Pam also enjoys books, movies, football, baseball and just being outside.
Nissa is a proud Colorado native. She can’t imagine living anywhere else. She grew up in Thornton and graduated from Bennett High School. Shortly after high school Nissa took a temporary position at a trust company in the Tech Center while obtaining her certifications in Desktop Publishing and Graphic Design. This is where Nissa met her husband, Greg (also a Colorado native). Together they raised their daughter who is finishing up her early education degree and teaching the cutest preschoolers in Highlands Ranch.
Nissa left the trust company after scratching the surface of the administrative processes of limited partnerships and annuities. She moved on to a mutual fund company where she spent just shy of 10 years executing all of the back office operational processes and obtaining her administrative assistant license. She spent two years as a Client Services Manager in a downtown financial advisor’s office and then the last 10 years as an Operations Manager at a firm in the tech center.
Nissa has many passions - crafts and pets mostly. When she arrives home, she helps her husband with their pet care business. After all the work is done for the evening, you can find her crocheting, coloring or doing diamond art while watching Netflix. On weekends, she can be found working in her pet grooming salon or driving/riding horses with her parents and daughter. If she’s lucky to have spare time (that she’s not napping through) she’ll be in her home office making use of her vinyl cutter.
Cindy Malone was born and raised in North Dakota. After college she moved to Cheyenne, Wyoming where she worked as a Respiratory Therapist. There she met and married her husband, Mike, and started a family. In the early 80’s, the Malones moved to the Denver area.
In Denver, Cindy began working in the insurance and financial industry, gaining experience in health and life insurance, medical claims and training. She ultimately gravitated to client services, support and office management. As an Administrative Assistant, Executive Assistant and Office Manager, Cindy has extensive experience working with advisors and their clients, providing a wide range of services.
Cindy’s favorite activity is spending time with her two children and three grandchildren who live nearby. She also enjoys golf, running and time spent with family and friends.
Lorie was originally a cowgirl from the great state of Wyoming, a fourth-generation rancher. She earned a degree in History from the University of Wyoming and carried that love of real stories into every part of her life. After raising five children she returned to work at a small RIA in South Denver, where she discovered her true calling. She watched brilliant women handed the financial steering wheel during major life transitions and expected to simply "figure it out". Lorie wanted to be the calm voice and steady guide who could bring clarity and confidence to these women. That purpose inspired her to complete an MBA at Colorado State University and to build a practice where women feel seen, prepared and powerful.
Lorie has spent more than thirteen years in finance, growing through roles in operations leadership and advising. She earned the CERTIFIED FINANCIAL PLANNER™ designation. an MBA, and securities and Colorado insurance licenses. She is currently pursuing both the Chartered Financial Analyst designation and the Certified Divorce Financial Analyst credential. Lorie's experience includes serving at Empower Retirement, where she supported the small to midsize 401k space, and today she channels that expertise into helping women entrepreneurs build and scale with confidence. Her goals are clear: to turn chaos and overwhelm into clarity and peace of mind, to design plans that work in real life, and to ensure every client leads her financial life with confidence - always with a little bit of fun along the way.
Lorie and her husband, David, are proud parents of five children - three sons and two daughters. Their sons, Gabriel, Joshua and Dylan, are all married, giving Laurie two "grand-dogs" but no grandkids just yet. Their daughters, Elizabeth and Samantha, are both in college and are excellent at sparking conversations about empowering young women in money - even if neither seems likely to take Mom's career path. In her free time, Lorie, hosts the Fearless Females podcast, where she spotlights women who are building businesses and lives fearlessly, and she mentors young women as they begin their professional journeys. Lorie loves to read and has a huge booklist tied to her podcast and is always open to new recommendations. She also volunteers with organizations such as Leadership Douglas County and 100 Women Who Care. Lorie loves to travel (always with a color-coded spreadsheet in hand) and enjoys crafting in all its forms. Whether with art or financial planning, she finds joy in creating things that are both beautiful and useful.
Bailey was born and raised in Colorado and grew up in Roxborough. She is an identical twin and the youngest of four sisters (if you count by minutes). After graduating from ThunderRidge High School she began working at Safeway, where she met her husband and eventually transitioned into administrative work.
She began working as an administrative assistant in 2024 and quickly found that she enjoys the detailed, behind-the-scenes work that keeps everything running smoothly. She especially likes the onboarding process for new clients and handling the paperwork that supports their financial planning. Looking ahead she plans to pursue her Series 65 license and continuing to support clients on the backend.
Outside of work, she's helping renovate the downstairs apartment she lives in and looks forward to the day when she has enough space to bring home a Mini Schnauzer. She enjoys watching classic movies, going on walks, and reading biographies.
Investment advisory services are offered through Tandem Financial, LLC, an investment advisor registered with the SEC. Tandem Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure document.
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