Stanford Smith

Brett Alexander is the sole advisor at Cash Flow Investment Services LLC in Ogden, UT, holding a Series 65 credential with 29 years of industry experience. He has been with Cash Flow Investment Services since 1996. Cash Flow Investment Services is an independent, state-registered investment adviser providing discretionary portfolio management and limited financial planning to retail clients. The firm manages approximately $92.4 million across about 86 accounts, using a blended analytical approach that includes fundamental, technical, quantitative, and mutual fund/ETF analysis, with strategies ranging from long-term buy-and-hold to shorter-term trading based on client objectives and risk tolerance.

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.

Brett Karras is a CFP® professional with over 32 years of experience in the financial industry. He has been with The Karras Company, Inc. since 2002 and is currently one of four advisors at the firm. His work history also includes a longstanding affiliation with Raymond James Financial Services since 2000. The Karras Company provides wealth planning, investment consulting, and portfolio management services to individuals, trusts, institutions, and employer-sponsored retirement plans. The firm emphasizes strategic asset allocation and diversified buy-and-hold portfolios, utilizing research and platform resources from Raymond James to support client strategies and account monitoring.

William Merrell is a CFP® and Series 66 credentialed advisor with 13 years of industry experience. He has been with The Karras Company, Inc. and Raymond James Financial Services since 2015. Outside of his advisory role, he owns and operates a family management company called CCC Management. The Karras Company provides wealth planning, investment consulting, and portfolio management services to individuals, trusts, institutions, and retirement plans. The firm emphasizes strategic asset allocation and diversified, primarily buy-and-hold portfolios, leveraging research and resources through its partnership with Raymond James.

Jackson Lucero is a financial advisor at Miser Asset Management with one year of industry experience. He holds the Series 65 designation and has prior work history at Equity Real Estate, Caldwell Banker, and Berkshire Hathaway. Outside of his advisory role, Lucero is the owner and CEO of Cedarway Capital LLC, a private equity firm focused on real estate investments. Miser Asset Management serves individual clients, trusts, estates, conservatorships, and small business entities by providing portfolio management, financial consulting, and educational seminars. The firm utilizes a combination of fundamental, technical, cyclical, and economic analysis to manage assets through both discretionary and non-discretionary services.