Nolan Eldon Karras

I'm Ryan Hammett, founder of Kimberlite Financial Services, an independent, fee-based registered investment adviser in Layton, Utah, serving families across the Wasatch Front and Park City. Before founding Kimberlite, I partnered in a day trading practice — where I learned firsthand what it actually takes to make money in markets — then spent years inside the big houses at Fidelity Brokerage Services and E*TRADE from Morgan Stanley. That inside view showed me both how the industry works and where it falls short: clients are often shown only the in-house options, not every available avenue. Along the way I passed the FINRA Series 3, 7, 9, 10, 63, and 66 exams — covering commodities and futures, general securities, securities sales supervision, and state law for both securities agents and investment adviser representatives. I also hold Utah insurance licenses in life, health, and property & casualty. At Kimberlite, I bring traditional planning and digital assets under one roof. My view on crypto is measured: Bitcoin won't replace the dollar, and it isn't a scam — the right amount in the right portfolio, held with patience, can be a meaningful piece of a long-term plan. Every account is non-discretionary, which means you approve every trade. No surprises. I might be a fit if you want a real plan instead of a default one — whether that's crypto alongside a 401(k) or tax-efficient retirement withdrawals. I'm probably not, if you're looking for hot tips or someone to trade your account without you. Off the desk: married almost fifteen years, one thirteen-year-old daughter who is my whole world, and a garage full of boards — skate, snow, and wake, in season order. Independent | Fiduciary | Fee-Based

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.

Brett Alexander is a financial advisor with Cash Flow Investment Services LLC in Ogden, UT. He holds a Series 65 designation and has 30 years of industry experience, all of which have been with his independent advisory firm since 1996. Cash Flow Investment Services is a state-registered solo advisory firm managing approximately $93.2 million for about 86 individual clients, including high-net-worth individuals. The firm offers discretionary portfolio management and limited financial planning, utilizing a blend of fundamental, technical, charting, and quantitative analysis with both long-term and shorter-term trading strategies.

Elliot Moses is the sole advisor at Sanguine Owl, LC in Ogden, Utah, holding Series 63 and Series 65 designations with 20 years of industry experience. He has managed Sanguine Owl since 2012 and also serves as CEO of Daco Enterprises, Inc., a manufacturing business. Additionally, he acts as trustee for family trusts and is involved in several related business ventures. Sanguine Owl primarily serves individual investors and also manages accounts for trusts, businesses, and retirement plans, overseeing approximately $1.8 million in discretionary assets. The firm combines fundamental and technical analysis with a buy-and-hold strategy, incorporating derivatives and tactical asset allocation adjustments to manage risk and generate income.

Navigating the intricate financial world is a challenge, especially for small business owners and medical professionals who are deeply immersed in their respective fields. That's where Garrett, a Certified Financial Planner™, comes into play. With a deep-rooted passion for financial clarity and a genuine understanding of the unique hurdles faced by entrepreneurs and healthcare providers, Garrett has dedicated their career to crafting bespoke financial strategies. Their approach is more than just number-crunching; it's about understanding individual stories, ambitions, and concerns. Offering a harmonious blend of industry expertise and personalized attention, Garrett is committed to transforming complex financial jargons into actionable insights, ensuring that every client feels confident and informed about their financial future.

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.