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.

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 F2F Retirement, LLC with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity and TD Ameritrade in various roles. Additionally, he sells life insurance as an independent agent, a business he began while at Fidelity. F2F Retirement, LLC is a state-registered investment adviser serving primarily individual clients, as well as small businesses and non-profits. The firm provides portfolio management and financial planning services, employing both fundamental and technical analysis in discretionary portfolio management.

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 seven years of industry experience. She holds the Series 63 and Series 65 designations. Her prior experience includes roles at First Citizens Investor Services, SVB Wealth LLC, and KeyBank. JGP Wealth Management provides investment advisory and planning services to individual and institutional clients, including high net worth individuals, trusts, pension plans, corporations, and state and municipal government entities. The firm employs a multi-strategy investment approach combining fundamental and technical analysis and offers specialized corporate and tax-related planning services.

Scott Cluff is a financial advisor with ON Investment Management CO in Stansbury Park, UT, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked with The O.N. Equity Sales Company and Ohio National Financial Services for 15 years each. Outside of advisory work, Cluff serves as a trustee for a family estate and markets insurance products through True North Wealth Management LLC. ON Investment Management Company (ONIMCO) is a SEC-registered investment adviser serving individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors with financial planning, portfolio management, and retirement-plan advisory services. The firm employs a dual-registration model and offers both discretionary and non-discretionary management, providing access to a range of third-party investment programs.

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.

Julie Alger is a financial advisor at Empower Advisory Group with 10 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior roles include positions at Morgan Stanley, E*Trade, and Fidelity Investments. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Premier IRA and retail brokerage clients. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

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 in Salt Lake City, UT, with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role, he worked at KeyBank for 14 years. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients with a variety of advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations, ongoing monitoring, and due diligence of third-party advisory products.

Oscar Borja is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at JPMorgan Chase and various positions within the Empower Financial Services network. 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 retail brokerage clients. The firm uses an integrated model tied to Empower’s recordkeeping and administration platforms, delivering both point-in-time financial plans and optional managed account solutions.

Damon Rice is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and E*TRADE Capital Management LLC. 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 certain retail brokerage account holders. The firm’s services feature an integrated approach tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups chosen by plan sponsors.

Casey Walker is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. Prior to joining LPL Financial in 2025, he spent 12 years at Cetera Advisor Networks LLC. Outside of his advisory work, he coaches soccer locally and owns a sculpting studio business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by in-house and third-party research and portfolio management services.

Kelly Parkinson is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. Prior to joining Wells Fargo in 2017, Parkinson worked at E*Trade Securities LLC for one year. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm serves a broad client base and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Terrell Pickett is a financial advisor with LPL Financial, holding a Series 66 credential and 18 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. He is also involved in event services as a bartender and sells NFL tickets outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by research and model portfolios from LPL Research and third-party subadvisors.

Aidan Mccarthy is a Series 66-credentialed advisor with Wells Fargo Clearing in Salt Lake City, UT, and has seven years of industry experience. His work history includes roles at Wells Fargo Clearing Services LLC and Resource International Inc., as well as positions at Diamond Peak Ski Resort and OnTrac Shipping. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. 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.

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. He holds Series 66 and Series 63 designations and has five years of industry experience. His prior work includes roles 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 through more than 14,000 advisors, offering both brokerage and advisory solutions.