Jennifer Higby is a financial advisor with Primerica Advisors in Cedar City, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has been associated with PFS Investments Inc. and Primerica Financial Services since 2007. Outside of advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Neil Ruda is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with both discretionary and non-discretionary options tailored to plan objectives and risk tolerances.

Eric Andra is a financial advisor with Charles Schwab in St. George, Utah, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and periodic reviews.

Lydia Feild is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and five years of industry experience. She has been with Primerica Advisors since 2021 and Primerica Financial Services since 2020. Outside of finance, she has been involved in music education through Lydia Feild Music Lessons since 2017 and has worked with the Neil Simon Festival. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Stephen Skokos is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked with Mountain America Credit Union and LPL Financial since 2012. In addition to his advisory role, Skokos works as an insurance agent through Mountain America Insurance Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, with discretionary and non-discretionary management supported by model portfolios and research.

David Harrison is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 21 years of industry experience. He has been associated with Cetera and Cetera Wealth Services since 2013 and has been self-employed since 2001. Outside of financial advising, Harrison is a practicing attorney specializing in estate planning, wills, and living trusts, and he is also a licensed insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, integrating affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Grant Carter III is a Series 66 licensed financial advisor with Edward Jones in St. George, Utah, where he has worked since 2001, totaling 25 years of industry experience. Outside of his advisory role, he is involved as a coach with the BYU Summer Basketball Camp and is a silent partner in a local restaurant business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 advisors.

Darin Frandsen is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 18 years of industry experience, including 14 years at Edward Jones prior to joining Raymond James in 2022. He also owns and operates a personal LLC for tax purposes and manages a branch DBA related to expense administration. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs in municipal finance and SIMPLE IRA Employer Advisory services.

Ray Mcdonald III is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Wells Fargo Bank for 14 years. Outside of his advisory role, he owns and operates Ray's Collectables, a business focused on buying, selling, and trading sports cards. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence. The firm applies an ESG eligibility framework when recommending strategies and delivers services on a non-discretionary basis.

Tim Swainston is a financial advisor with Primerica Advisors in St. George, UT, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1986 and associated with Primerica Financial Services since 1985. Outside of his advisory role, he serves as Secretary/Treasurer for Precinct WHT01 and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and limited separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation supported by BNY Mellon Advisors and trade execution through Pershing and Primerica Brokerage Services.

Justin Bandley is a Senior Resident Director and Wealth Management Advisor at Merrill Lynch, serving the St. George office since 1997. In his dual role, he focuses on building long-term relationships with clients, many of whom he has advised for over two decades. Justin works closely with retirees, business executives, and professionals to develop personalized financial strategies, emphasizing retirement income planning and actively managed investment portfolios aligned with clients’ unique goals. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Justin holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Pine View High School. He lives in St. George with his wife, Sonya, and they have three adult children. Outside of work, Justin is an endurance sports competitor who participates in multiple IRONMAN triathlons and running races annually.

William Ridd is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 registrations and has 43 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and municipalities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Scott Finch is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 65 and Series 63 credentials and seven years of industry experience. Prior to joining Raymond James in 2019, he was a partner at Woodbury, Mitchell & Finch LLC for seven years. Outside of his advisory role, he is involved in several business ventures including a partnership in an accounting firm and ownership of a management company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning supported by analytic tools and maintains unique services such as municipal advisory affiliations and plan-level SIMPLE IRA consulting.

Kevin Rorie is a CFP®-certified financial advisor with eight years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Voyager Wealth Advisors and Wells Fargo Bank. Outside of his advisory role, he serves on the Finance and Investment Committee of the Kayenta Arts Foundation, a nonprofit organization. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm provides tailored, non-discretionary investment consulting using analytical tools and supports municipal and public finance work through its municipal advisor affiliation.

Parker Hansen is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and previously worked at The Insurance Box and served a church mission. Outside of his advisory role, he is employed with DoorDash on a limited basis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, with access to model portfolios, third-party subadvisors, and various investment strategies.

David Patrick is a financial advisor with LPL Financial in St. George, UT, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he spent 18 years with Next Financial Group Inc. Patrick is also involved with NorthStar Estate Services, a business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, research, and technology-driven approaches.

Shauna Swainston is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 15 years of industry experience. Her background includes long-term service with The Church of Jesus Christ of Latter Day Saints and extensive tenure with Primerica Financial Services dating back to 1992. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm utilizes model-driven investment strategies managed by unaffiliated asset managers and supports account execution and custody through BNY Mellon Advisors and Pershing.

Hunter Harrison is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He has been associated with Cetera and its affiliate Cetera Wealth Services since 2022 and operates Harrison Enterprises, an insurance brokerage firm. Outside of advising, he is active as an insurance agent selling health and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that allows advisors to utilize various model portfolios, third-party managers, and customized strategies across a range of program structures and custodial relationships.

Brooke Angelovich is a financial advisor at LPL Financial with five years of industry experience. She previously worked at Wells Fargo Bank and Wells Fargo Clearing. Outside of her advisory role, she owns and operates a drive-thru coffee shop called Ruby Brews. LPL Financial serves a broad client base including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers a range of advisory programs and consulting services, employing both discretionary and non-discretionary management supported by internal and third-party research.