Vance Whitby serves as a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. Since 1998, he has focused on helping affluent clients develop goals-based retirement plans tailored to each life stage. Vance employs an in-depth and realistic process to assist clients in creating predictable income strategies, capital preservation, and pursuit of long-term financial goals. Vance holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. He earned a Bachelor's degree from Brigham Young University and a Master's degree from George Washington University. Utilizing the resources and support available through Merrill Lynch and Bank of America, N.A., he provides clients with integrated estate planning, lending, and insurance strategies. Outside of his professional work, Vance has three daughters and spends his free time cycling, skiing, and enjoying outdoor activities.

Aisha Young is a financial advisor with Merrill in Provo, Utah, holding a Series 66 designation and seven years of experience advising clients since 2019. Prior to joining Merrill, she worked for ten years at Best Friends Animal Society. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jack Myers is a financial advisor at Fidelity with six years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at BambooHR and Midwestern University. Outside of his advisory role, he is an Independent Business Owner with Amway, where he provides retail client service and has team building and training responsibilities. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to retail and institutional clients, utilizing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

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.

Tiffany Orgill is a financial advisor with Merrill in Provo, Utah, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked at Merrill since 2013 and concurrently with Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Todd Moulton is a financial advisor at Raymond James Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2009. Outside of his advisory role, he owns Moulton Stables, where he raises and processes steers annually with his wife. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional investors. The firm delivers non-discretionary planning and investment consulting tailored to client goals, employing analytical tools and risk profiling, and supports municipal and public-finance work through a unique municipal advisor affiliation.

Ronald Smith is a financial advisor with Cetera, holding a Series 66 credential and 20 years of industry experience. He has been with Cetera Advisors LLC since 2013 and has owned and operated GDI Consulting USA Inc, a non-securities related consulting business, since 2006. Outside of his advisory work, Smith serves as a part-time university instructor at Utah Valley University. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies across various program structures and custodial relationships.

Kenneth Cuthbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), underscoring his role in providing personalized investment guidance to clients. Kenneth earned a Bachelor's Degree from Utah State University. His educational background supports his expertise in financial planning and wealth management.

Isabelle Smith is a financial advisor at Raymond James Financial in Orem, UT, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at several firms including Security Service Federal Credit Union and Granite Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports both advisory programs and institutional portfolio management across a large advisor network.

Rick Skousen is a financial advisor with Raymond James & Associates in Provo, UT, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes long-term roles at Tanner Capital Management and Raymond James Financial Services. He also serves as a licensed insurance agent, providing service for existing life insurance policies. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal clients through a variety of financial planning and advisory services, offering a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Zachary Mecham is a Financial Advisor at Merrill Lynch Wealth Management, specializing in working with business owners, executives, and families to navigate complex financial and transition decisions. He focuses on building relationships and delivering portfolio strategies designed to meet clients' financial goals through ongoing advice and adaptability. His areas of expertise include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and tax minimization. Zachary holds the Personal Investment Advisor (PIA) designation. Zachary completed his high school education at Pleasant Grove High School and attended Western Governors University without receiving a degree. He is involved with the Church of Jesus Christ of Latter-day Saints and maintains ties to Pleasant Grove High School.

Cynthia Llewelyn is a financial advisor at Merrill with 30 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 1995, including roles at Merrill Lynch, Pierce, Fenner & Smith, Inc. and Bank of America, N.A. since 2001 and 2011 respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 in Spanish Fork, UT, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Central Bank and Rock Canyon Bank, where he worked for a total of seven years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Spencer Oman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2006 and joined Merrill Lynch in 2012. Spencer focuses on helping clients grow their assets through detailed wealth strategies and emphasizes personalized financial planning tailored to individual goals. His expertise includes financial planning, budgeting and forecasting, risk management, and optimizing investment portfolios. Spencer holds the Certified Financial Planner (CFP) certification and a Master of Real Estate Development. He earned a Bachelor's degree from Brigham Young University and a Master's degree from the University of Utah. Spencer is committed to client care and values clear communication and personalized engagement. He has been involved in community activities such as Utah Valley Aquatics.

Saysha Meyers is a Benefits & Planning Consultant specializing in Executive Services. She collaborates with clients to optimize employee benefits as part of their overall financial plans. Utilizing Fidelity's planning principles and tools, she aims to provide strategies that address clients' monetary needs and goals. Through an educational approach, she supports clients in increasing awareness and making research-based decisions regarding their financial futures. Saysha's professional experience at Fidelity Investments includes roles as Investment Solutions Representative III (2024-2025), Investment Solutions Representative II (2024), Investment Solutions Representative I (2023-2024), High Net Worth Service Associate I (2022-2023), and Customer Relationship Advocate (2021-2022). She holds insurance licenses in Arkansas and California. Outside of work, Saysha engages in family activities, social events with friends, outdoor adventures such as snowboarding, traveling, and volunteering.

Bryce Carbee is a financial advisor with Primerica Advisors in Springville, UT, holding Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Primerica Financial Services and Allied Universal. Outside of his advisory role, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, employing model-delivery strategies overseen by third-party asset managers and supported by established custody and trade execution providers.

Robert Collins is a financial advisor with Merrill in Provo, Utah, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Bank of America. Outside of advising, he is involved in a personal investment partnership related to a condominium development project. Merrill serves a broad client base—including individuals, retirement plans, corporations, and institutions—by offering managed account programs, discretionary portfolio management, and brokerage services. The firm employs a range of program strategies with both client and advisor discretion and integrates closely with Bank of America affiliates to support trading, lending, and capital-market activities.

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 Advisors LLC since 2013. Outside of his advisory role, he presents seminars aimed at educating clients and the public on financial topics. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.