Matthew Heiner is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 63 and Series 66 designations. His tenure includes roles at Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model strategies.

Richard Horlacher is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior experience includes roles at Bank of America, Morgan Stanley, and Fidelity Brokerage Services. Outside of his advisory work, he serves as a high school sports official with the Utah High School Athletics Association. 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 model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Sharilyn Gamble is a financial advisor with Edward Jones in Ogden, UT, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2022, she worked at Weber State University and the Davis School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard with an extensive network of financial advisors and branch offices.

George Duke is a financial advisor with Edward Jones in South Ogden, Utah. He holds a Series 66 designation and has eight years of industry experience, including nine years with Edward Jones and twelve years at Wasatch Distributing Company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Gossling is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Lincoln Financial Advisors and SagePoint Financial, Inc. He is involved with IronBridge Wealth Counsel, where he provides services related to securities and insurance products. OSAIC serves a wide range of retail and institutional clients through a broad network of advisors and offers integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm utilizes asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct portfolios across various asset classes.

Lara Deppe is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. Outside of her advisory role, she provides consulting services to Richards Sign Company, a local business in Ogden, UT, assisting with printed product sales on consignment. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, delivering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

James Packard is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously worked at FranklinCovey for nine years, The Brooks Group, and founded Alchemy Leadership and Learning, where he provided personal and leadership coaching. 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 solutions supported by a nationwide network of more than 23,700 advisors.

Peter McGrath is an Executive Planning Consultant at Fidelity Investments. He has been with the company since 2010, progressing through roles including College Planning Specialist, Retirement Planner, and Benefits & Planning Consultant in Executive Services before assuming his current position in 2025. His professional experience covers various aspects of financial planning and benefits consulting. Prior to joining Fidelity Investments, he worked as a Collateral Management Specialist at State Street Bank & Trust from 2008 to 2010. He holds a California Insurance License. Outside of his professional work, Peter engages in activities such as baseball, football, soccer, snowboarding, traveling, and spending time with his family.

Jacob Brown is a financial advisor at Raymond James Financial with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill. Brown serves as a Republican State Delegate for Utah. 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, and institutions. The firm uses risk profiling and analytical tools to deliver tailored, non-discretionary planning and supports clients through its advisory programs and strategic partnerships.

Nicole Opie is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and eight years of industry experience. She worked at UBS Financial Services from 2017 to 2020 before joining Ameriprise in 2020. Outside of her advisory role, she sells personally taken stock landscape photography online. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm’s approach involves a centralized service team and integrates investment research and algorithmic tools, operating within a product ecosystem that includes affiliated sub-advised options.

Julio Valdez Rodriguez is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Prior to his advisory career, he was involved with Rosa's Pupuseria y Taqueria for seven years. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

James Smith is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Raymond James Financial, Christofferson & Palmer, and Edward Jones. Outside of his advisory work, he owns and operates J. Scott Smith Inc., a support company based in Ogden, Utah. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service focused on written recommendations and ongoing annual planning advice for clients approaching or in retirement.

Ralph Allen is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he spent nine years at Woodbury Financial Services Inc. Allen is also involved in the sales and service of fixed insurance products and health insurance through his roles with Whittenburg Wealth Management and Keystone Strategies. OSAIC serves a diverse range of retail and institutional clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services supported by advanced portfolio construction tools and access to multiple third-party investment platforms.

Tyson Cave is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. He has worked with JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2011, covering various roles in both institutions. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Skyler Hardman is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at SVB Wealth, Silicon Valley Bank, and Key Bank. He is also involved with Legacy Financial Strategies in Layton, Utah, where he serves as a financial advisor. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with services that include municipal and public finance advisory work.

Marli Merrill is a financial advisor at Merrill with 20 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005 and currently works at Bank of America N.A. since 2022. 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 and profit-sharing plans, corporations, and charitable organizations.

Dan Johnston is a Series 66-licensed financial advisor with Edward Jones in Clinton, UT, where he has worked for 13 years. His experience is solely with 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 and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a large national network of advisors and branch offices.

Rebecca Kussee is a financial advisor at Primerica Advisors with 25 years of industry experience. She holds Series 65 and Series 63 registrations and has worked at Primerica Financial Services since 1995, joining Primerica Advisors in 2011. Kussee has also been employed at the Davis County Health Department from 2021 to 2022. Additionally, she serves as owner and vice president of Crusader Training Centers, Inc., an entity related to her Primerica business activities. Primerica Advisors provides 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 employs model-delivery investment strategies developed by unaffiliated asset managers and supports clients through a large network of advisors across numerous offices.

Diane Allen is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 39 years of industry experience. Her prior roles include positions at Fidelity Brokerage Services, Strategic Advisers, and CUSO Financial Services. She is involved in America First Investment Services, a DBA for LPL business. 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, and retirement consulting, utilizing model portfolios, third-party research, and advanced technologies.

Kevin Salvatierra Castillo is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles at Bank of America, J.P. Morgan, and Wells Fargo. Outside of advising, he also works part-time as a delivery contractor for companies such as DoorDash, Uber, and Walmart’s Spark Driver service. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.