Abraham Guzman

Trent Stirling is a financial advisor at F2 F Retirement, LLC, holding a Series 65 credential with 11 years of industry experience. He has served as a seminary teacher for the LDS Church since 2012, teaching high school students about religion. He is also an independent real estate agent. F2 F Retirement primarily serves individual investors, offering both discretionary and non-discretionary portfolio management along with comprehensive financial planning. The firm combines fundamental and technical analysis in its investment approach and provides various implementation options, including mutual funds, ETFs, bonds, options, and annuities.

Philip Eldredge is a financial advisor at F2F Retirement, LLC with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity and TD Ameritrade in various roles. Additionally, he sells life insurance as an independent agent, a business he began while at Fidelity. F2F Retirement, LLC is a state-registered investment adviser serving primarily individual clients, as well as small businesses and non-profits. The firm provides portfolio management and financial planning services, employing both fundamental and technical analysis in discretionary portfolio management.

Lance Mccubbins is a financial advisor with F2 F Retirement, LLC, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. He has been with F2 F Retirement since 2011. In addition to his advisory role, he owns L7 Insurance, where he sells life insurance, annuities, and other health-related policies. F2 F Retirement primarily serves individual investors with discretionary and non-discretionary portfolio management and comprehensive financial planning. The firm uses a combination of fundamental and technical analysis, offering active strategies that may include options and margin, and provides clients with educational communications and periodic seminars.

Scott Cluff is a financial advisor with ON Investment Management CO in Stansbury Park, UT, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked with The O.N. Equity Sales Company and Ohio National Financial Services for 15 years each. Outside of advisory work, Cluff serves as a trustee for a family estate and markets insurance products through True North Wealth Management LLC. ON Investment Management Company (ONIMCO) is a SEC-registered investment adviser serving individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors with financial planning, portfolio management, and retirement-plan advisory services. The firm employs a dual-registration model and offers both discretionary and non-discretionary management, providing access to a range of third-party investment programs.

Elijah Higham is a financial advisor at Encompass More Asset Management LLC with a Series 65 designation and four years of industry experience. His prior roles include positions at Unified Wealth, iTrust Capital, Family First Life, and a teaching role at the University of Utah. Encompass More Asset Management provides discretionary portfolio management, financial planning, and retirement-platform model services primarily to individual and high-net-worth clients. The firm employs model-based strategies combining proprietary and third-party sub-advisers, managing approximately $985 million across about 4,000 clients through 85 advisers.

Mark Fry is a CFP® with 25 years of industry experience, currently affiliated with Principal Financial Services. He has worked at Principal Life Insurance Co. and Principal Securities Inc. since 2002, and with Victory Capital since 1997. In addition to his advisory role, he serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.