R Matthew Tullis

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.

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.

Samuel Jones is a CFP® and holds a Series 65 license with six years of industry experience. He is the sole advisor at TaxWise Wealth Planning LLC in Farmington, UT. Prior to founding TaxWise Wealth Planning, he worked at Vitality Capital Management LLC and provided financial planning education through Savology. TaxWise Wealth Planning LLC offers investment management and financial planning services to individuals, high-net-worth clients, and business owners. The firm uses model asset allocations based on research from Vanguard and Dimensional Fund Advisors, focusing on passive mutual funds and ETFs tailored to each client’s Investment Policy Statement with an emphasis on tax-aware implementation.

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.

Mark Monson is the principal advisor at Monson Wealth Management LLC with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Commonwealth Financial Network and Edward Jones. Monson also operates as an independent insurance agent. Monson Wealth Management LLC provides discretionary asset management to individuals, high-net-worth clients, business entities, charitable organizations, and pension/profit-sharing plans. The firm uses multiple analytical methods and a range of strategies, engaging sub-advisors under full discretionary authority while maintaining a small, concentrated client base.