Matthew Heiner is a financial advisor with Fidelity who holds Series 63 and Series 66 credentials and has 26 years of industry experience. His tenure at Fidelity includes roles at Fidelity Brokerage Services since 1999 and Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a wide range of clients, including retail and institutional investors and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with a focus on multi-manager and fund-of-funds strategies.

Thomas Naylor is a CFP® with 41 years of industry experience, currently with MML Investors Services, Inc. since 1993. He also has a longstanding association with Guardian Life Insurance Company and Coordinated Planning and Design since 1983. Outside of advisory work, he is involved in health insurance sales and owns a rental duplex. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm uses firm-approved software to analyze client goals and offers annual, collaborative planning relationships with optional implementation.

Richard Horlacher serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works closely with Merrill clients to understand their current financial situations and introduces them to solutions available through Merrill and Bank of America. He holds the Professional Investment Advisor (PIA) designation, reflecting his commitment to professional standards in financial advising. Richard earned his Bachelor's Degree from the University of Utah and completed his Master of Business Administration (MBA) at the University of Colorado System. Richard's approach involves helping clients identify what matters most to them and their families, enabling the creation of tailored strategies to pursue their financial goals.

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.

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.

David Burns is a financial advisor with Edward Jones in Farmington, UT, holding Series 63, Series 65, and Series 66 credentials and 32 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

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 with Ameriprise Financial Services LLC in Ogden, Utah, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. Prior to joining Ameriprise in 2026, he worked at Raymond James Financial and Christofferson & Palmer, among other firms. He is also the owner of J. Scott Smith Inc., a support company based in Ogden. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

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 with Primerica Advisors in Layton, Utah, holding Series 63 and Series 65 licenses and 25 years of industry experience. She has been with Primerica Advisors since 2011 and has a longer history with Primerica Financial Services dating back to 1995. Outside of her advisory role, she is involved in sales of home security and automation products through affiliated companies and serves as owner and vice president of Crusader Training Centers, Inc. Primerica Advisors sponsors and manages 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 thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Diane Allen is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 39 years of industry experience. Her prior roles include positions at Fidelity Brokerage Services, Strategic Advisers, and CUSO Financial Services. 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 services including financial planning, wrap and model portfolio programs, and access to third-party asset managers, supporting advisors with various investment strategies and technology tools.

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.