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®-certified financial advisor with 21 years of industry experience. He is currently with LPL Financial and has previously worked at Matthew Sweeney, Gardner Brown, Paceline Properties, and Northwestern Mutual Investment Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

Jennifer Sisson is a financial advisor at Merrill with Series 66 and Series 63 designations and one year of industry experience. She has held roles at Bank of America, Fidelity Investments, and The American College, and previously worked for Aspen and Pike Business Services for six years. 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 investment strategies for individuals, high-net-worth clients, and institutions.

Troy Henderson is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been associated with various Fidelity entities since 2007, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and serves in advisory roles uncommon among large institutional peers.

Caleb Mc Farland is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and previously worked at CUSO Financial Services, LP and Powerhouse Floor Removal. Outside of his advisory role, he has managed a small-scale real estate rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with access to diversified model portfolios and research.

Frank Gerecht is a financial advisor with LPL Financial, holding a Series 66 license and bringing 17 years of industry experience. He previously worked at Cuso Financial Services, LP, Wells Fargo Clearing, and Wells Fargo Investments, LLC. 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 financial planning and advisory programs, including discretionary and non-discretionary management, with access to research and model portfolios from various sources.

Valerie Kimble is a financial advisor with Primerica Advisors in Layton, UT, holding Series 65 and Series 63 licenses and three years of industry experience. Her work background includes roles at PFS Investments Inc., Primerica Financial Services, Amazon, Wasatch Front Fish Market, South Summit Pediatrics, USPS, and Aquatic Animals. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-driven strategies created by third-party asset managers.

Michael Sutherland is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with LPL Financial since 2003. Outside of his advisory role, he is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and advanced technologies to provide both discretionary and non-discretionary management.

Rory Peterson is a CFP® professional affiliated with LPL Financial, with 21 years of experience in the financial services industry. His prior experience includes 19 years at Ameriprise Financial Services, both LLC and Inc. He also owns and manages Rory Peterson & Company LLC, which he uses for business expense management. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research, employing both discretionary and non-discretionary management strategies.

Alan Anderson is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 20 years of industry experience. He has worked with various Fidelity entities, including Fidelity Brokerage Services LLC since 2010 and Fidelity Personal and Workplace Advisors since 2018. Fidelity's Strategic Advisers LLC, where he is currently affiliated, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and maintains regulatory registrations uncommon among large institutional firms.

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.

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.

Rita Heagren is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and 13 years of industry experience. Her career includes roles at Osher and PFS Investments Inc., alongside a long tenure with Primerica Financial Services and extensive experience in the Granite School District. Outside of finance, she owns DK Creatives, LLC, a photography and woodworking business, and RGH Bookkeeping. 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 offers a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Mark Faler is a financial advisor at LPL Financial with 41 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2003. Outside of his advisory role, he is involved in outside sales of non-variable insurance and operates a business focused on wealth management and estate planning under the name Keystone Wealth Management & Estate Planning. He also serves as a notary public in Bountiful, Utah. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by research and technology-driven tools.

Jordan Isbell is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 licenses and 13 years of industry experience. His prior roles include positions at Morgan Stanley, Empower Financial Services, E*TRADE, and Wells Fargo Advisors. Outside of his advisory work, he is also engaged as an independent contractor realtor with RealtyPath. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering discretionary and non-discretionary investment management focused on diversified portfolios, periodic rebalancing, and long-term orientation.

Michael Mason is a financial advisor with OSAIC who holds the Series 63 and Series 66 designations and has 28 years of industry experience. He previously worked at Woodbury Financial Services, Inc. and Questar Asset Management, among other firms. Mason is also the owner of Summit Capital Services L.C., where he is involved in fixed and indexed universal life insurance sales as well as disability, health, and fixed annuities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary management across multiple investment vehicles.

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 with J.P. Morgan Securities in Bountiful, Utah. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Huntsman has been with J.P. Morgan Securities and its affiliated entities since 2013. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.