Matthew Stewart is a CFP® with 24 years of industry experience and is the sole advisor at Summit Ridge Advisors. His prior roles include positions at Parkland Securities and Sigma Financial Corporation. He is a co-owner of Matt Stewart & Associates, LLC, which provides financial education seminars. Summit Ridge Advisors is a fee-only registered investment adviser serving pension and profit-sharing plans, corporations, institutional plan sponsors, and individual clients. The firm employs a combination of modern portfolio theory and fundamental analysis, utilizing both passive and active strategies, and emphasizes retirement plan consulting with fiduciary and investment-manager services.

Tanner Withers is a financial advisor with Albility Planning in Mapleton, UT, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones, MassMutual Life Insurance Company, and Park Avenue Securities. He serves on the Utah Rare Disease Advisory Council and is involved with the Utah Parent Center. Outside of financial advising, he is CFO and LLC member of Florence Beauty Company, a permanent makeup cosmetics business, and owns WithInsurance LLC, which assists clients in obtaining life insurance. Albility Planning serves individuals and families regardless of asset size, offering portfolio management alongside comprehensive financial planning, hourly engagements, personal coaching, and special-needs group coaching. The firm manages approximately $12.3 million in assets with an investment approach focused on passive, low-turnover portfolios based on Modern Portfolio Theory, using index funds or ETFs and periodic rebalancing tailored to client risk tolerance and tax considerations.

Clark Drishinski is a financial advisor at Cashew Financial, LLC with 13 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Indus Valley Partners, Keeler Thomas Management, LLC, and Sagepoint Financial, Inc. In addition to his advisory work, he is licensed as an insurance agent. Cashew Financial is a state-registered, single-advisor firm serving individual and high-net-worth clients with financial planning and consulting. The firm primarily provides non-discretionary advice, offers public educational seminars, and refers clients to a third-party manager for discretionary asset management.

Stephanie Bailey is a CFP® with four years of industry experience, currently serving as a financial advisor at NorthAvenue LLC since 2020. Her prior work includes roles in education and nonprofit settings, such as at Sharyland Independent School District and Kids in the Kitchen. NorthAvenue LLC provides financial planning and investment management services to individual clients and trusts, focusing on integrated ongoing planning and portfolio management. The firm employs an investment approach grounded in fundamental and behavioral finance, utilizing asset allocation strategies based on Modern Portfolio Theory and a range of low-cost investment options.

Joseph Adams is the sole advisor at Acentus Group L.L.C. in Woodland Hills, Utah, holding a Series 65 designation with eight years of industry experience. He has been self-employed since 2002. Outside of his advisory work, Adams owns and manages VikingBlue LLC, a company that provides accounting services to clients. Acentus Group offers discretionary portfolio management primarily to high-net-worth individuals, trusts, businesses, other investment advisers, and pension or profit-sharing plans. The firm employs a proprietary investment model focused on emerging equity micro-themes, utilizing both long and short positions along with margin, options, and ETFs, and manages accounts on a discretionary basis including institutional clients.

Ewan Morkel is a financial advisor at Fiduciary Organization, LLC with one year of industry experience. He holds a Series 65 designation and previously worked in secondary education and at Utah Valley University. In addition to his advisory role, Morkel is the founder and chief tax advisor of Morkel Financial, a tax preparation and planning business. Fiduciary Organization, LLC is a fee-only registered investment adviser serving individuals, retirement plans, charitable organizations, and businesses. The firm provides tailored investment management and financial planning, utilizing a combination of passive and active strategies and offering socially responsible investment options.

Hyrum Smith is a CFP® professional with 11 years of industry experience, currently serving at Livet Wealth, LLC since 2025. He has held roles at Blue Barn Wealth, LLC, and operates his own firm, Hyrum L Smith, LLC. Livet Wealth provides financial planning and portfolio management services to individuals, high-net-worth clients, retirement plans, businesses, and charities through tiered Wealth Management offerings. The firm manages approximately $313 million in discretionary assets and follows an investment approach based on Modern Portfolio Theory, emphasizing long-term, diversified, tax-efficient strategies.

Quincey Hansen is a financial advisor with Livet Wealth, LLC in Spanish Fork, UT. He holds a Series 65 designation and works at a firm with two advisors. Livet Wealth provides financial planning, portfolio management, and ongoing wealth management services to individual and high-net-worth clients, as well as retirement plans and businesses. The firm manages approximately $322 million for about 129 clients, using a long-term, buy-and-hold investment approach centered on Modern Portfolio Theory, diversified low-cost funds, and periodic rebalancing.

Jonathan Ferrell is the principal advisor at Acentus Group L.L.C. in Woodland Hills, UT, holding Series 63 and Series 65 credentials with 19 years of industry experience. His work history includes roles at Social Finance Inc., Ancestry, Overstock.com, and SkyRocket Media LLC. Acentus Group provides discretionary portfolio management primarily to high-net-worth individuals, trusts, businesses, other investment advisers, and pension or profit-sharing plans. The firm employs a proprietary investment model focused on emerging equity micro-themes, utilizing both long and short positions along with margin, options, and ETFs, and manages accounts on a discretionary basis including institutional clients.

Wyatt Livingston is a financial advisor at Livet Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has prior experience at Blue Barn Wealth, LLC and Frandsen Morrill Advisors. Outside of advisory work, he operates a rental management business as a sole proprietor. Livet Wealth provides financial planning and portfolio management to individuals, high-net-worth clients, retirement plans, businesses, and charities. The firm employs a long-term, buy-and-hold investment approach based on Modern Portfolio Theory and offers tiered wealth management services including access to alternative investments and estate coordination.

Tanner Sperry is a financial advisor at Bangerter Financial Services, Inc. with two years of industry experience. He holds a Series 65 designation and has worked in various roles including tax accounting and insurance services as a sole proprietor and with CPA firms. Outside of advising, he is active in tax planning and insurance. Bangerter Financial Services provides portfolio management, financial planning, and ERISA 3(21) plan advisory services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm uses a combination of fundamental and cyclical analysis in its investment approach and often delegates portfolio management to third-party managers while maintaining regular oversight.

Clayton Johnson is a CFP® and holds a Series 65 license with nine years of industry experience. He currently works at Aerodigm Wealth LLC and previously held roles at Delap Wealth Advisory, Squire Wealth Advisors, Squire & Company, PC, and DBK Financial Counsel, LLC. Aerodigm Wealth provides discretionary investment management and financial planning to individuals, high net worth clients, trusts, estates, and business entities. The firm uses a passive, asset-allocation approach grounded in Modern Portfolio Theory, with portfolio management often implemented through independent third-party money managers.

Tanner Manning is a financial advisor at Allos Investment Advisors, LLC with one year of industry experience. He holds a Series 65 designation and has worked at Allos and Searcy Financial Services since 2024. Outside of finance, he operates a concrete pumping business, Brundage Bone Concrete Pumping, where he drives commercial vehicles and trains new employees. Allos Investment Advisors serves individuals, high-net-worth clients, trusts, estates, charitable organizations, and businesses through a team of eight advisors. The firm provides discretionary investment management and financial planning, emphasizing a long-term, fundamentals-based approach with customized portfolio construction and ongoing supervision.

John Houck is a financial advisor with Promontory Financial Planning, LLC, holding the ChFC® and Series 63 designations and bringing 53 years of industry experience. He previously worked at VOYA Financial Advisors before joining Promontory in 2017. Outside of financial advising, Houck is an independent insurance agent and has experience teaching various academic subjects, including math, English, history, and science. Promontory Financial Planning serves individual clients, trusts, small businesses, and nonprofit organizations with comprehensive financial planning, discretionary asset management, and targeted consultation services. The firm emphasizes a team-based approach and integrates insurance and accounting services alongside investment management.

Jolyn Whittaker is a financial advisor at Trek Financial with seven years of industry experience. She holds a Series 65 designation and has been with Trek Financial since 2018. Outside of her advisory role, she serves as CFO and Treasurer for two non-investment-related businesses: Discount Manufacturing & Distributing Inc., an internet sales company, and Kids Village Workshop Inc., a preschool. Trek Financial serves a diverse client base including individuals, pension and profit-sharing trusts, foundations, and institutional clients. The firm combines strategic ETF allocations with quantitative tactical models and offers specialized services such as tax-aware direct indexing and options-based risk management strategies.

Barry Magaoay is a financial advisor with Regal Investment Advisors LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes long tenures at Lee Financial Recordkeeping, Inc., Lee Financial Securities, Inc., and Lee Financial Group Hawaii, Inc., before joining Regulus Financial Group and Regal Investment Advisors in 2021. Regal Investment Advisors LLC provides discretionary investment management services to independent adviser representatives and other registered advisers, serving a range of clients including individuals, charitable organizations, and businesses. The firm offers a variety of proprietary and third-party model portfolios, allowing advisers to select allocations for clients while granting Regal discretionary authority to implement and rebalance strategies.

Tyler Whittaker is a financial advisor at Trek Financial with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Goldman Sachs and First Citizens Investor Services. Trek Financial serves a diverse client base, including individuals, pension and profit-sharing trusts, foundations, and institutional clients. The firm uses a blend of strategic ETF-based allocations, systematic tactical models, and quantitative methods to manage portfolios, offering services such as discretionary asset management, financial planning, and tax-aware direct indexing.

Nathan Allred is a financial advisor with Encompass More Asset Management LLC, holding a Series 65 designation and three years of industry experience. His prior work includes roles at Bristlecone Wealth, Crypto Consulting LLC, Proform Trading, and NMA Investments. Outside of advising, he teaches a securities trading course for Trader On The Street, LLC. Encompass More Asset Management primarily serves individual and high-net-worth clients, offering discretionary portfolio management through a combination of proprietary and third-party model portfolios, financial planning, and access to private placements. The firm employs a model-based investment approach that integrates quantitative, qualitative, and fundamental analysis, with some portfolios including digital-asset related exposures.

Todd Cloward is an investment advisor with Encompass More Asset Management LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Transamerica Financial Advisors, Inc. for 25 years before joining Encompass More in 2023. Outside of investment advising, he owns and operates Strategic Advantage Benefits, LLC, an insurance benefits agency serving employee groups. Encompass More Asset Management LLC primarily serves individual and high-net-worth clients, offering discretionary portfolio management through proprietary and third-party model portfolios, financial planning, and access to private placements for accredited investors. The firm employs a model-based investment approach combining quantitative, qualitative, and fundamental analysis, with a focus on individual investors rather than corporate or charitable clients.

Robert Hamm is a financial advisor with Strategic Blueprint, LLC and holds a Series 66 credential. He has 10 years of industry experience, with prior roles at Clarity Financial Advisors, Triad Advisors, and other firms. He also serves as an NEA Retirement Representative, providing retirement education to members in multiple school districts. Strategic Blueprint, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers customized, goal-based strategies through portfolio management, financial planning, and consulting, including a notable Subscription Advisory Services program that provides ongoing, flat-fee planning alongside traditional asset-based management.

Tyler Johnson is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has 11 years of industry experience, including roles at Johnson Carpenter Wealth Management and Principal Securities Inc. Outside of his advisory work, he is a partner in Johnson Carpenter Wealth Management, a legal partnership with three other advisors. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Britney Carpenter is a CFP®-certified financial advisor with seven years of experience, currently practicing at Principal Financial Services. She is a partner at Johnson Carpenter Wealth Management and holds a Series 66 license. Her prior work includes roles at Principal Securities Incorporated, Principal Life Insurance Company, and Vicky Johnson. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Richard Turner is a financial advisor at Empower Advisory Group with seven years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and operated a proprietary business. Outside of his advisory role, he is a member of a family-run dog breeding business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan-specific investment lineups.

Kevin O'Day is a CFP® professional with 43 years of experience in the financial services industry. He is affiliated with SPC and Parkland Securities, LLC, and has worked with LTCI Strategic Partners, LLC since 2010. His other business activities include offering long-term care and life insurance services through LTCI Strategic Partners. SPC serves a diverse client base that includes high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides portfolio management, financial planning, and a variety of ERISA-related retirement plan services, employing both discretionary and nondiscretionary management strategies.

Tyler Bryson is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been associated with Fidelity Brokerage Services LLC since 2015 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, with a focus on discretionary and non-discretionary portfolio management. The firm utilizes proprietary research combined with quantitative and algorithmic methods to construct model portfolios from mutual funds, ETFs, and ETPs, and maintains oversight controls and governance procedures for the funds it advises.

Brent Larsen is a CFP® with 36 years of industry experience, currently affiliated with Cetera. He previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. for over three decades. Outside of advisory work, Larsen is involved in tax preparation and accounting as a partner and president of Associated Professional Advisors entities in California. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services supported by model portfolios and multiple program options, combining retirement and fiduciary capabilities with a broad institutional platform.

Braden Graff is a financial advisor with Fidelity in Santaquin, Utah, holding a Series 66 designation and four years of industry experience. His prior roles include working at Squeeze Media and Utah Valley University, as well as community involvement with Spanish Fork City and The Church of Jesus Christ of Latter Day Saints. Outside of finance, he creates video content on YouTube and designs apparel for Graffic Gaming. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs, and it undertakes advisory roles for multiple registered investment companies and fund-of-funds.

Garrett Chesnut is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. His prior work includes roles at Northwestern Mutual, Holland America Princess, Central Bank Utah, and Utah Valley University. He also rents storage space in his basement as an additional source of income. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary options, supported by a nationwide network of approximately 23,701 financial advisors.

Ford Poston is a financial advisor with UBS Financial Services in Mapleton, Utah, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Poston is involved in property management as a partner in several real estate ventures. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary capital market assumptions and research.

Jeffery Taylor is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with various Fidelity entities since 2011. Strategic Advisers LLC, a Fidelity Investments company where he is affiliated, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Brian Cheney is a financial advisor with Wells Fargo Advisors, holding a Series 66 credential and 20 years of industry experience. He previously worked at Goldman, Sachs & Co for 15 years and Morgan Stanley for two years before joining Wells Fargo Advisors in 2021. Outside of his advisory role, Cheney serves as a soccer referee and teaches fundamentals of investing as an adjunct professor at the University of Nevada Reno. He is also an advisory member of the finance committee for The Miller Foundation, an organization focused on health. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Benjamin Workman is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including Goldman Sachs and Collective Health. Outside of his advisory work, he manages rental properties and handles maintenance and rent collection for units in Utah. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm maintains a large national presence with over 23,700 financial advisors and serves clients under a fiduciary standard.

Thomas Carlson is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cetera Advisors LLC. Carlson also acts in a fiduciary capacity for The Carlson Family Trust. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product activities such as insurance and credit services.

Joshua Christensen is a Series 66 credentialed financial advisor at Fisher Investments with 20 years of industry experience. He has been with Fisher Investments since 2010. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment approach combining quantitative and qualitative analysis and offers a range of services including sub-advisory and retirement plan management.

Jeffrey Nielson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at Morgan Stanley and Wells Fargo Clearing Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering financial planning and non-discretionary investment consulting through various advisory and managed account programs. The firm emphasizes a non-discretionary advisory approach supported by extensive research and an affiliate network providing comprehensive financial services.

Cameron Hardy is a Series 66 licensed financial advisor with UBS Financial Services in Mapleton, Utah, where he has worked since 2015. He has 12 years of industry experience. Outside of his advisory role, he is involved in real estate partnerships and property management in Washington. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to support tailored investment strategies.

Matthew Hutchinson is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and two years of industry experience. He has been with Fidelity and its affiliated Strategic Advisers LLC since 2023. Prior to his advisory role, his background includes work in education and various other industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Daniel Mc Kay is a financial advisor with Ameriprise in Mapleton, UT, holding a Series 66 designation and 13 years of industry experience. He previously worked at Edward Jones for ten years before joining Ameriprise in 2023. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Nancy Donnelly is a financial advisor at Raymond James Financial with seven years of industry experience. She holds a Series 66 designation and has worked at Measom Financial Inc. and Pointe Wealth Management prior to her current role. Outside of advising, she has served as an associate at Measom Financial, assisting with client communications and administrative support. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by extensive research and a broad affiliate network.

Michael Mendenhall is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019, following six years at Rock Canyon Bank. In addition to his advisory role, Mendenhall serves as the mayor of Spanish Fork, Utah, where he chairs city council meetings and participates in local government activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm offers a wide range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Tyler Mendenhall is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has worked previously at Central Bank and Rock Canyon Bank. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Matthew Bean is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Managed Account Trading Specialist, Managed Account Help Desk, and Managed Account Support Specialist before assuming his current position in 2021. With over 14 years in the financial services industry, Matthew focuses on helping clients fully utilize their employer benefits and integrate those benefits into comprehensive financial plans. Prior to joining Fidelity, he worked as a Personal Banker at Wells Fargo in 2011. Details regarding his education, credentials, personal interests, or community involvement have not been provided.

William Wilde is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Cetera and its affiliates since 2013. Wilde is also involved in educational seminars through Wilde Wealth Management Group. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans. The firm offers a range of portfolio management, financial planning, and fiduciary services through a large network of independent advisors, utilizing a combination of advisor-managed accounts, model portfolios, and third-party solutions.

Tyler Romney is a CFP®-certified financial advisor with eight years of industry experience, currently affiliated with LPL Financial. He has worked at LPL Financial since 2017 and also serves as an Associate Wealth Advisor at Mountain America Credit Union. Outside of finance, he holds a supervisory role in entertainment at Open Air Entertainment Inc. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Kameron Anderson is a financial advisor at LPL Financial with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at CUSO Financial Services, Morgan Stanley, and E*TRADE Securities. Outside of his advisory role, he has experience running a lawn care business for ten years. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings.