Todd Niemann is a CFA® charterholder and principal advisor at Niemann Investments LLC with four years of industry experience. He has worked at Varo Bank, SMBC Manubank, and Green Dot Bank, and provides consulting services in financial forecasting and strategic business recommendations on a project basis. Since December 2024, he has also served as Treasurer at Varo Bank, focusing on financial forecasting and risk analysis. Niemann Investments LLC is a single-advisor independent firm managing approximately $5.6 million primarily for individual clients, including high-net-worth individuals, trusts, and estates. The firm employs fundamental analysis with a long-term investment approach and utilizes strategies such as margin borrowing and derivatives, offering performance-based fee arrangements to eligible clients.

Robert Hansen is a financial advisor with Vantage Point Investments, Inc., holding Series 63 and Series 65 credentials and 22 years of industry experience. He has worked at Vantage Point Investments since 2013 and previously at Sprout Financial LLC and Prosper Wealth Solutions. Outside of his advisory role, Hansen is an associated person with Managed Account Research Inc., focusing on managed futures, commodities, and options, and also works as an independent insurance agent selling fixed life contracts. Vantage Point Investments is a fee-based registered investment adviser serving individuals, families, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and businesses. The firm offers ongoing portfolio management and financial planning services, emphasizing individualized portfolio construction and diversified investment strategies that include ETFs, mutual funds, individual securities, and limited options strategies.

Bodi Nageli is a financial advisor at Vantage Point Investments, Inc. He holds a Series 65 credential and has been with the firm since 2026. Prior to his current role, Nageli worked at Utah Valley University and Holmes Homes, and has experience at Waialae Country Club and Hawaii Pacific University. Vantage Point Investments is a small, fee-based registered investment adviser serving individuals, families, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and businesses. The firm focuses on individualized portfolio construction using diversified strategies including ETFs, mutual funds, individual securities, and limited options, alongside ongoing portfolio management and financial planning services.

Trent Stirling is a financial advisor at F2 F Retirement, LLC, holding a Series 65 credential with 11 years of industry experience. He has served as a seminary teacher for the LDS Church since 2012, teaching high school students about religion. He is also an independent real estate agent. F2 F Retirement primarily serves individual investors, offering both discretionary and non-discretionary portfolio management along with comprehensive financial planning. The firm combines fundamental and technical analysis in its investment approach and provides various implementation options, including mutual funds, ETFs, bonds, options, and annuities.

Matthew Hess is a financial advisor at Vantage Point Investments, Inc. with 18 years of industry experience. He holds a Series 66 designation and has worked at Vantage Point Investments since 2014, following a two-year tenure at Sprout Financial LLC. Outside of advising, he is involved in custom furniture and woodworking projects and offers business consulting services related to structure, valuation, and pricing. Vantage Point Investments is a fee-based registered investment adviser serving individuals, families, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and businesses. The firm provides ongoing portfolio management and project- or hourly-based financial planning, emphasizing individualized portfolio construction and diversified strategies including ETFs, mutual funds, individual securities, and limited options strategies.

Philip Eldredge is a financial advisor at F2 F Retirement, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Deseret First Credit Union. In addition to his advisory role, he sells life insurance as an independent agent, a business he began while at Fidelity Investments. F2 F Retirement primarily serves individual investors, offering discretionary and non-discretionary portfolio management along with comprehensive financial planning and annual reviews. The firm combines fundamental and technical analysis in its investment process and provides clients with a range of implementation options including mutual funds, ETFs, bonds, options, annuities, and insurance products.

Lance Mccubbins is a financial advisor with F2 F Retirement, LLC, holding Series 63, 65, and 66 licenses and bringing 24 years of industry experience. He has been with F2 F Retirement since 2011. In addition to his advisory role, he owns L7 Insurance, where he sells life insurance, annuities, and other health-related policies. F2 F Retirement primarily serves individual investors with discretionary and non-discretionary portfolio management and comprehensive financial planning. The firm uses a combination of fundamental and technical analysis, offering active strategies that may include options and margin, and provides clients with educational communications and periodic seminars.

Chelsea Tilly is a financial advisor at JGP Wealth Management, LLC with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Silicon Valley Bank, KeyBank, and Wells Fargo Bank. JGP Wealth Management manages approximately $1.2 billion in discretionary assets and serves individuals, high-net-worth clients, trusts, estates, pension and profit-sharing plans, and business entities. The firm follows a fiduciary-oriented, tailored advisory process using a blend of fundamental and technical analysis across multiple investment strategies and asset allocation categories.

Scott Cluff is a financial advisor with On Investment Management Company, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at The O.N. Equity Sales Company and Ohio National Financial Services since 2011. Outside of his advisory role, he serves as a trustee for his parents' estate and is involved in marketing life, health, and disability insurance products through True North Wealth Management LLC. On Investment Management Company provides financial planning and investment advisory services to individual investors, charitable organizations, businesses, and retirement plan sponsors. The firm offers a range of advisory programs, including fee-based financial planning and access to multiple third-party investment platforms, with a significant portion of client assets managed on a non-discretionary basis.

Mark Fry is a CFP® with 25 years of industry experience, currently affiliated with Principal Financial Services. He has worked at Principal Life Insurance Co. and Principal Securities Inc. since 2002, and with Victory Capital since 1997. In addition to his advisory role, he serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Paul Kelley is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2015. Outside of his advisory role, he is an athletic coach for the Tooele County School District and a part owner of Kelley Family Enterprises, which operates in moving, construction, and home inspection services. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed and advisory programs. The firm’s investment approach incorporates proprietary portfolio models and ongoing oversight provided by Morningstar Investment Management, focusing on personalized asset allocation and retirement guidance.

Darren Rowe is a financial advisor at Key Investment Services LLC with 10 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at Key Bank from 2003 to 2017. Key Investment Services LLC offers wrap-fee advisory programs and model-driven investment options to a diverse client base, including individuals, trusts, estates, charities, corporations, and small businesses. The firm primarily operates through non-discretionary, model-based wrap programs and utilizes affiliated bank-developed models alongside third-party managers for portfolio implementation.

Damon Rice is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and E*TRADE Capital Management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Casey Walker is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cetera Advisor Networks LLC for 12 years and has been involved with Walker Consulting LLC since 2004. Outside of his advisory work, he coaches soccer with TC United Soccer. 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.

Kelly Parkinson is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2017, following a year at E*Trade Securities LLC and six years at the University of Utah. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Terrell Pickett is a financial advisor with LPL Financial in Kearns, UT, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Bank and its affiliates from 2005 to 2021 before joining LPL Financial and Mountain America Credit Union in 2021. Outside of his advisory role, he is involved with Bacchus Event Services as a bartender and sells NFL tickets for the Las Vegas Raiders. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and combines large-scale advisory operations with non-advisory product offerings such as insurance and cash-management services.

Aidan Mccarthy is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Resource International Inc. and multiple positions at Diamond Peak Ski Resort. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of investment options that include insurance-related vehicles and bank deposit sweep programs.

Harrison Holmes is a financial advisor at Wells Fargo Clearing based in Salt Lake City, UT, holding a Series 63 designation with one year of industry experience. Prior to his advisory role, he has worked as a Clinical Laboratory Assistant at Primary Children's Hospital since 2023, where he cultures microbes from patient samples and maintains lab equipment. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Nathan York is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 66 credentials. He has been with Wells Fargo since 2021 and has prior experience at Us Tech Solutions, Ski Butlers, Promontory, Vail, and Regency Theaters. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Samuel Stover is a financial advisor at Wells Fargo Clearing in Salt Lake City, UT, holding a Series 63 designation. He has worked at Wells Fargo Clearing and DiSys since 2025, following roles at the University of Utah, Swift Filters, and Pepper Pike Club. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.