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.

Timothy Averett is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He has worked with multiple Fidelity entities since 2005, including Fidelity Investments Institutional Services Co., Inc., and Fidelity Personal and Workplace Advisors. He is part of Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with a focus on systematic methodologies and long-term asset allocation.

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 65 and Series 63 credentials 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 diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment approaches and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

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.

Valerie Kimble is a financial advisor at Primerica Advisors with three years of industry experience. She holds Series 63 and Series 65 licenses. Her prior work includes roles at Amazon, Wasatch Front Fish Market, South Summit Pediatrics, USPS, and Aquatic Animals. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based investment strategies supported by third-party asset managers.

Rory Peterson is a CFP® with 21 years of experience in the financial services industry. He is currently affiliated with LPL Financial and previously worked at Ameriprise Financial Services, LLC, Ameriprise Financial Services, Inc., and Equity Services, Inc. In addition to his advisory work, he owns and manages Rory Peterson & Company LLC. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Ryan Turner is a financial advisor with LPL Financial in Ogden, UT, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes previous roles at Cuso Financial Services, Zions Bank, CUNA Brokerage Services, Wells Fargo Investments, and BTS Asset Management. Outside of his advisory work, Turner is involved with the Morgan Sports Network, a radio, TV, and podcast media outlet. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, and third-party asset management, utilizing both discretionary and non-discretionary strategies supported by research and technology.

Eric Checketts is an Executive Planning Consultant at Fidelity Investments. In his current role, he partners with executives and their families to develop personalized financial plans aligned with their individual goals. He focuses on simplifying clients' financial lives and helping them create clear financial roadmaps to prioritize what matters most. Eric has extensive experience at Fidelity Investments, having served previously as a Benefits & Planning Consultant from 2023 to 2025, Director and Retirement Planner from 2014 to 2023, and Retirement Relationship Manager from 2012 to 2014. He holds a California Insurance License, supporting his work in financial and retirement planning. Outside of his professional responsibilities, Eric's interests include attending concerts, hiking, running, scuba diving, skiing, and theater.

Jessica Boyer is a CFP® with 30 years of experience in the financial services industry. She has been with LPL Financial since 2004 and previously worked at Citigroup Global Markets from 2001 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, asset management programs, and institutional platforms.

Marvin Ellis is a ChFC® credentialed financial advisor with Raymond James Financial in Bountiful, Utah, bringing 22 years of industry experience. He has held roles at multiple firms including NuVista Wealth, Strategic Risk Alternatives, and Wasatch Wealth. Ellis also serves as a broker for Allegis Advisor Group and Insurance Exchange of Utah, focusing on term life and group health insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm employs non-discretionary planning tailored to client goals using risk profiling and analytical tools, and supports its extensive advisor network with advisory programs and institutional consulting.

Jordan Isbell is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Empower Financial Services, Morgan Stanley, E*TRADE, and Wells Fargo. Outside of his advisory work, Isbell is also active as a real estate agent in Utah. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios and long-term strategies.

Jon Wilson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has served as the retirement planning professional for the BHB group since joining Merrill Lynch in 1989. Jon has accumulated over 35 years of experience in financial services, specializing in retirement planning for business owners and their key employees. His expertise covers all aspects of qualified retirement plans, including 401(k)s, defined benefit plans, non-qualified deferred compensation plans, and the transition to retirement. Prior to his current role, Jon held positions as a Regional Director and Retirement Plan Manager within the Corporate Financial Services Group at both Smith Barney and Merrill. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), earned in 1987, Certified Plan Fiduciary Advisor® (CPFA), received in 2018, Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Jon earned a Bachelor's Degree in Finance from Brigham Young University. Jon resides in Ogden, Utah with his wife Dawnene and their two children. The family makes monthly visits to Southern California, where they previously lived for over 18 years. Outside of his professional work, Jon enjoys golf, hiking, fishing, and skiing. He is also involved with OnStage Ogden in his community.

Tonya Cummings is a financial advisor at LPL Financial with 10 years of industry experience. She holds a Series 63 designation and has worked previously at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Based in Ogden, Utah, she also serves as a notary through her association with Zions Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Matthew Frey is a financial advisor with Edward Jones in Ogden, UT, holding a Series 66 designation and beginning his industry experience in 2026. Prior to joining Edward Jones, he had roles at Systems Implementers Inc., Hill Air Force Base Marketing Office, and operated a catering business, Marvellous Catering LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering various advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies and separately managed accounts. The firm manages approximately $1.01 trillion in assets under management with a large network of advisors and branch offices across the United States.

Austin Huntsman is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan entities since 2013, including nine years at J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative due diligence with forward-looking capital market assumptions and may include ESG considerations.

Maryann Spencer is a financial advisor at Fidelity with three years of industry experience. She holds a Series 66 designation and previously worked at D.A. Davidson Companies, Ernst & Young, and PricewaterhouseCoopers LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.