Michael Gary is a financial advisor at Primerica Advisors with Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since the mid-1990s. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. 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 entities. The firm delivers advisory services through a large network of advisors and utilizes model-delivery strategies managed by third-party asset managers.

Zackary Toomb is a financial advisor at Fidelity with 19 years of industry experience and holds a Series 66 designation. He has worked with Fidelity Brokerage Services, LLC since 2006 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Charles Aoki is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and three years of industry experience. His prior roles include positions at LPL Financial and Wasatch Peaks Credit Union. Outside of his advisory work, he is an independent agent for Medicare and non-variable insurance. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations, utilizing risk profiling and analytical tools to tailor recommendations.

Erik Knutsen is a financial advisor at Edward Jones with 30 years of industry experience, having been with the firm since 1996. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves as a Commander in the Idaho Army National Guard. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory programs, supported by a nationwide network of financial advisors and branch offices.

Robert Witt is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with various Fidelity entities since 2000. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, incorporating proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages portfolios using systematic methodologies and provides advisory services including fund management and model portfolios.

Stuart Malan is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at ACT Aerospace and spent over a decade at Zero Manufacturing, Inc. Edward Jones is a full-service wealth management firm serving more than four million clients, offering a range of advisory programs and investment solutions supported by a national network of over 23,000 financial advisors.

Jordan Smith is a financial advisor at LPL Financial with 11 years of industry experience. He previously worked at Edward Jones for nine years and Fidelity Brokerage Service, LLC for two years. Outside of his advisory role, Smith owns a martial arts business and a coaching company, and he is scheduled to fight professionally for BKFC. LPL Financial serves individual and institutional clients through a national network of investment adviser representatives, offering comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides both discretionary and non-discretionary management using model portfolios and research from multiple sources, including LPL Research and third-party subadvisors.

Jeffrey Castolene is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 licenses and with 34 years of industry experience. He has been with Primerica Advisors since 1991 and Primerica Financial Services since 1989. Outside of his advisory role, he is the owner of Teresa A. Castolene, LLC, a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Eddie Snow is a CFP® with 27 years of industry experience, currently an advisor at Charles Schwab since 2022. His prior roles include positions at Royal Alliance, Signal Wealth Advisors, CWM, LLC, Cetera Advisor Networks, Rock House Financial, and United Planners' Financial Services. Outside of advisory work, he has operated as an independent insurance agent specializing in non-variable life insurance. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, employing multi-asset model portfolios and a centralized operational structure.

Earl Kerns is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been associated with PFS Investments, Inc. since 2007 and with Primerica Financial Services since 1984. Outside of his advisory role, he has worked as a forester with the USDA Forest Service. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Darren Downs is a financial advisor with Cetera based in Farmington, UT, holding CFP® certification and securities licenses (Series 63, Series 66). He has 18 years of industry experience, including a 14-year tenure at R.K. Advisors and Kovack Securities. He is involved in several financial services entities, including ownership roles and partnership positions, and works as an insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, retirement, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and financial planning services, utilizing affiliated and third-party managers across various program structures and custodial relationships.

Austin Orr is a financial advisor with LPL Financial, holding the Series 66 credential and bringing five years of industry experience. His work history includes roles at Mountain America Credit Union and Progressive Planning, as well as teaching experience at Utah Valley University. 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, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research.

Sidney Alvey is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His career includes roles at VOYA Financial Advisors and Your Financial Resource, Inc., where he serves as president. Alvey is also general manager of Distinctive Insurance Services, Inc., a fixed insurance products business. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 ChFC® credentialed financial advisor with 30 years of industry experience. He has worked at Northwestern Mutual in various capacities from 1996 until 2026 before joining LPL Financial in 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 supported by extensive research and technology solutions.

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 at Raymond James Financial with 21 years of industry experience. He holds a Series 65 designation and has worked with Raymond James since 2005. In addition to his advisory role, Richards is the president of Richards Law Firm PC and serves as secretary of Acres Market Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm uses detailed risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals.

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.

Neftali Hernandez is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Charles Schwab and TD Ameritrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term orientation and fiduciary management for retirement accounts.

David Taylor is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with various Fidelity entities since 2000. He is based in Salt Lake City, UT. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering systematic model portfolios and managing relationships with sub-advisers.