David Black is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2017, progressing through roles including Annuity Planning Consultant, Annuity Service Representative, Junior Business Analyst, and Financial Representative. His experience encompasses financial consulting and annuity services. David holds insurance licenses for Arkansas and California. Outside of his professional work, he engages in biking, family activities, fitness, football, and golf.

Ronald Hunt is a financial advisor with LPL Financial in Farmington, UT, holding the ChFC® and Series 63 designations and bringing 30 years of industry experience. Prior to joining LPL Financial in 2026, he worked for Northwestern Mutual and its affiliated entities from 1996 to 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Braden Burns is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. His prior work includes roles at MarketStar and Wyndham Destinations, as well as time dedicated to full-time education at Weber State University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Royce Richards is a financial advisor with Raymond James Financial who holds a Series 65 designation and has 21 years of industry experience. His career includes long-term roles at Raymond James Financial and related entities, as well as entrepreneurial ventures including serving as president of Richards Law Firm PC and secretary of Acres Market Inc. Richards is based in Ogden, UT. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a non-discretionary, goal-oriented approach leveraging risk profiling and modeling tools, and supports municipal advisory services and SIMPLE IRA employer consulting programs.

Patrick Mc Garry is a financial advisor with Raymond James Financial, holding Series 63 and 65 credentials and over 24 years of industry experience. He has worked with Raymond James Financial and Raymond James Financial Services, Inc. since 2002, and previously was involved with Retirement Healthcare Solutions, LLC. Outside of his advisory role, he serves as a volunteer clergy member for The Church of Jesus Christ of Latter-Day Saints, overseeing ecclesiastical programs and financial matters for local congregations. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using analytical tools to align with client goals and supports municipal and public-finance work through a municipal advisor affiliation.

Devin Bebout is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His career includes multiple roles within JPMorgan Chase Bank, N.A. and Fidelity Brokerage Services LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a combination of advisory and brokerage capabilities.

James John is a financial advisor at Edward Jones in Ogden, UT, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Wells Fargo/ETTAIN Group, Goldman Sachs as a contingent worker, E*TRADE/Morgan Stanley, and a decade at TAB Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory solutions through a large network of financial advisors and branch offices.

Lisa Wandrey is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. She also manages Wandrey LLC, a residential rental business she has operated since 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large national network of financial advisors and branch offices.

Patrick Floyd is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked with various Fidelity entities since 2006, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm manages a broad range of portfolios, including mutual funds, ETFs, and fund-of-funds, and employs systematic methodologies alongside oversight of affiliated sub-advisers.

Chase Flint is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 10 years of industry experience. He has worked with multiple firms, including LPL Financial and Mountain America Credit Union, before joining Raymond James in 2018. Outside of his advisory role, Flint serves as the Second Counselor in the Bishopric of the Summerhaze Ward for The Church of Jesus Christ of Latter-Day Saints. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports various advisory programs alongside specialized services in municipal and public finance.

Coleman Cordero is a financial advisor with Ameriprise in Clearfield, UT, holding a Series 66 designation. He has one year of industry experience and previously held roles in media, athletics, and education. Outside of finance, he has experience in athletics coaching and solar energy ventures. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice. The firm employs a research-driven, tax-aware approach and integrates its affiliated product ecosystem in its investment recommendations.

Spencer Huff is a financial advisor with Ameriprise in Syracuse, UT, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Morning Sun, FSY, Vivint, and involvement with Southern Utah University and the Church of Jesus Christ of Latter Day Saints. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to deliver customized recommendation reports through a centralized consulting team.

Jacob Fredrickson is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at PwC for seven years. Fredrickson is also the owner of LMSW LLC, a business unrelated to investment activities. Ameriprise offers retirement-income planning services focused on individuals with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm utilizes algorithmic automation alongside research and modeling to generate retirement income recommendations, emphasizing a range of advisory, brokerage, and insurance solutions through its large institutional platform.

Brian Lifferth is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial. His prior experience includes over two decades with Gardner Brown and Northwestern Mutual Investment Management, as well as roles at Matthew Sweeney and Paceline Properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of more than 22,800 advisors. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

Morgan Lindsay is a CFP® professional at Charles Schwab with eight years of industry experience. Prior to joining Charles Schwab in 2023, Lindsay worked for six years at Signal Wealth Advisors and was involved with Sleekfitness from 2014 to 2020. Charles Schwab & Co., Inc. serves 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 offers both non-discretionary and discretionary investment management solutions, combining multi-asset model portfolios with centralized custody and operational support.

Craig Umbrell is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1999, focusing on providing clients with confidence in their financial futures through thoughtful planning and investment management. Craig works closely with clients on family wealth management strategies, personal retirement planning, portfolio management services, socially responsible investing, tax minimization, and retirement income solutions. Craig began his financial career in 1998 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor’s degree from Weber State University. Craig is actively involved in his community through affiliations with his church, local food pantry, school foundations, and youth groups. Outside of his professional work, he enjoys golf, racquetball, hiking, boating, skiing, and spending time with his wife Emilyn and their four children.

Nathan Barker is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Modern Woodmen of America, and Weber School District. LPL Enterprise provides investment advisory and brokerage services to a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Troy Henderson is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles within Fidelity since 2007. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

John Taylor Jr. is a financial advisor with LPL Financial in Ogden, Utah, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Royal Alliance Associates and PRUCO Securities, LLC. His outside business activities include involvement in a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Frank Gerecht is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior experience includes roles at Cuso Financial Services, Wells Fargo Clearing, and Wells Fargo Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a broad range of investment strategies and operational tools.