Darren Downs

David Fjeldsted is the sole advisor at David Russell Fjeldsted, an independent firm based in Farmington, Utah. He holds the CFP® designation along with Series 63 and 65 licenses and has 32 years of industry experience. In addition to his advisory role, he is a licensed life insurance agent and real estate broker, actively managing multiple real estate holdings and dedicating a significant portion of his time to property management and development. The firm offers personalized financial planning and investment management services to individuals, plans, trusts, and small businesses, with an investment approach that combines strategic asset allocation using both passive and active funds and global diversification to manage market risk.

Michael Mysker is the sole advisor at Safe Bay Retirement Advisors and holds a Series 66 designation with 23 years of industry experience. He has led Safe Bay Retirement Advisors since 2011. Outside of his advisory role, he is involved in insurance sales. Safe Bay Retirement Advisors serves individual and high-net-worth clients, as well as some corporations and business entities, providing discretionary portfolio management and financial planning covering retirement, tax, college, estate, and business-continuity topics. The firm manages approximately $12 million in assets and employs a combination of fundamental, technical, charting, and cyclical analysis, including active short-term trading and options strategies.

Hi, I’m Justin. I am the founder of Wealth Mode Financial Planning. My team and I have a primary focus in helping those with over $100,000 in federal student loans create a plan to minimize loan payments and save taxes – without sacrificing meaningful goals like buying a home, starting a family, or saving for retirement. Our clients with high student loan debt: – Usually 30-35 years old – Graduated in the last 5 years – $250,000 in average household student loans – $200,000 to $250,000 in annual household income – Want to buy a home and start a family within the next few years - Are or plan on being a business or practice owner in the future We'll help you examine all your options – 10-year standard plan, refinancing, the Income-Driven Repayment (IDR) plans like IBR/PAYE/SAVE, and Public Service Loan Forgiveness (PSLF). For married couples both working, you need to look at whether you should file your taxes Married Filing Separately. From there, we can identify how you can save the most money in paying off your loans while still saving enough money toward other goals. We’ll teach you everything you need to know about setting up the right investment portfolio for you, and which accounts you should be using. Then, we'll set you up with an easy-to-follow budget and cash flow system that will make it all happen. Last of all, let’s make sure you’re protected with the proper life insurance, disability insurance, and estate planning documents you need. Many of our student loan clients have a spouse/partner with equity compensation (ISO's, non-qualified stock options, RSU's, ESPP's, etc.), and we've become quite adept at strategic planning for that as well. We place a heavy emphasis on tax planning and prepare our clients' tax returns as well if they would like. Our clients include physicians, dentists, chiropractors, lawyers, and veterinarians - really, any high-student loan debt trade or profession. Our clients live across 25+ U.S. states in all four time zones, and some countries internationally. I love what I do, and how it helps my clients focus on enjoying their lives and careers instead of worrying about debt or money. _ _ Outside of work, I enjoy spending time with my wife and best friend AnnAlyse, our 4-year old daughter, and our newborn son (as of spring 2025). We love traveling, attending concerts and musicals, jigsaw puzzling, and anything else we can do with our kids.

James Harris is a financial advisor at Parkview Investments LLC in Hooper, Utah, holding a Series 65 designation with seven years of industry experience. He previously worked in the automotive industry at McFarland Ford and Westland Ford Hyundai. Parkview Investments provides non-discretionary portfolio management services primarily to individual investors and the Phil Smith and Family Foundation. The firm emphasizes a mix of passive fixed-income strategies and more active growth strategies, focusing on exchange-listed stocks, mutual funds, ETFs, stock options, and bonds.

Mark Monson is the principal and sole advisor at Monson Wealth Management LLC, an independent registered investment adviser. He holds Series 63 and Series 66 licenses and has 20 years of industry experience. Prior to founding his current firm, he worked at Commonwealth Financial Network and Raymond James Financial Services. In addition to his advisory role, he operates a part-time independent insurance agency focused on fixed insurance products. Monson Wealth Management LLC provides discretionary asset management to individuals, high-net-worth clients, and business entities, managing approximately $199 million in assets across ten client relationships. The firm employs a tailored investment approach using fundamental and technical analysis, with regular portfolio reviews and the option to engage sub-advisors.

Matt Johns is a CFP® with 12 years of industry experience, currently serving as the sole advisor at Black Bridge Advisors, LLC. His prior experience includes roles at Goldman Sachs and Fidelity Investments. Outside of finance, he owns Dance Impression, a private dance organization based in Farmington, UT. Black Bridge Advisors, LLC provides discretionary portfolio management and financial planning to individual and high-net-worth clients, utilizing proprietary risk-based ETF model portfolios and a broad range of investment options tailored to clients’ objectives and risk tolerance. The firm also sponsors a private debt fund through its affiliated entity, Black Bridge Partners, LLC, which focuses on direct real estate lending for accredited investors.