Ryan Elmer is a financial advisor at Bangerter Financial Services, Inc. in Roseville, CA, with one year of industry experience. He holds a Series 65 designation and has been the owner and preparer at Innovative Tax Solutions since 2011, providing income tax preparation services. Bangerter Financial Services offers discretionary portfolio management, financial planning, and ERISA 3(21) plan advisory services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm employs a range of investment strategies including fundamental and cyclical analysis and often utilizes third-party money managers and sub-advisors for portfolio implementation.

Jeffrey Bangerter is a financial advisor with Bangerter Financial Services, Inc. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His background includes roles in mortgage origination, real estate, insurance, and internet marketing, alongside his advisory work. He is involved in several non-investment businesses, including managing a solar energy financing company and owning an internet marketing firm. Bangerter Financial Services provides discretionary portfolio management, financial planning, and ERISA 3(21) plan advisory services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm employs fundamental and cyclical analysis to guide investment decisions and frequently utilizes third-party money managers and sub-advisors to implement client portfolios.