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.

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 holding Series 65 and Series 63 credentials and nine years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Modern Woodmen of America. Barker has also worked in education with Weber School District and has experience with Evelar Solar. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

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.

John Taylor Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 12 years at Royal Alliance Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing a combination of discretionary and non-discretionary management supported by research from multiple sources.

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 in Clearfield, UT, holding a Series 66 designation and possessing 17 years of industry experience. Prior to joining LPL Financial in 2025, he spent 10 years with Cuso Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by model portfolios and research from multiple 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.

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.

Ryan Turner is a financial advisor with LPL Financial in Ogden, UT, holding Series 63 and Series 66 licenses and with 24 years of industry experience. His prior work includes roles at CUSO Financial Services, Lp, and Zions Bank. Outside of his advisory role, he is involved with Morgan Sports Network, a radio, TV, and podcast venture. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management and providing access to model portfolios and research from multiple sources.

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.

Jessica Boyer is a CFP® professional with 29 years of experience in the financial industry. She has been with LPL Financial in Ogden, UT since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting supported by research and technology-driven portfolio management.

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 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.

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 with LPL Financial based in Ogden, UT, holding a Series 63 designation and nine years of industry experience. Her prior roles include seven years at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. 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 wide range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, supported by research and multiple portfolio management options.

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.