Timothy Ludlum is a Wealth Management Advisor based in Ogden, Utah, where he guides individuals and families in positioning themselves financially to achieve their most important life goals. Before beginning his career in financial advising in 2014, Timothy spent 12 years as an entrepreneur, founding and selling four businesses. This entrepreneurial background informs his approach to financial planning and investing. He began his financial industry career with Robert W. Baird & Co., obtaining Series 7 and 66 registrations and licenses in life, long-term care, and disability insurance. After building his practice for three years, he transitioned to Raymond James in 2017 and later joined Merrill Lynch in 2023, where he serves as a Merrill Resident Director. Timothy holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. His academic credentials include a bachelor's and master's degree from Bob Jones University. Timothy and his wife, Elissa, reside in Eden, Utah, where they enjoy outdoor activities such as trail running, hiking, skiing, hunting, and fishing. He is actively involved in local nonprofit organizations, volunteering, advising, and serving on boards, reflecting his commitment to community engagement.

Kelly Dobson is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to joining Edward Jones, he held roles at Murdock Hyundai and Murdock Chevrolet. 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, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

Michael Call serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing extensive experience from an 18-year career in business management, including seven years of owning and operating a business. Since joining Merrill Lynch in 2007, he has focused on delivering personalized financial strategies that address clients’ unique needs, goals, and concerns. His expertise spans managing new wealth, retirement planning, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income planning. Michael holds a Bachelor of Science degree, graduating magna cum laude, and a Master of Business Administration (MBA), both from Brigham Young University. He maintains Series 7 and 66 FINRA registrations and the Chartered Retirement Planning Counselor (CRPC) designation. Additionally, he is a qualified Portfolio Advisor, able to recommend a variety of investment strategies tailored to clients’ objectives. He resides in Kaysville, Utah, with his wife Corrie and their four children. Michael is active in his community, participating in his local chamber of commerce and leading committees that organize business and youth events focused on values such as integrity and service. He is fluent in English and French.

Clark Ulrich is a financial professional at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera and its affiliates since 2023, following a 23-year tenure at Minnesota Life Insurance Company and Securian Financial Services. Ulrich also serves as a financial professional for IMG Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a large nationwide network of independent advisors.

Kyle Fukuchi is a financial advisor with OSAIC in Farmington, UT, holding the ChFC® designation and a Series 66 license. He has 24 years of industry experience, including 18 years with Penn Mutual and Hornor, Townsend, & Kent before joining OSAIC in 2020. Outside of advising, he volunteers as a committee member for the Fred Hutch Campaign Committee. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Kelly Barton is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She has been associated with PFS Investments Inc. since 2006 and Primerica Financial Services since 2004. In addition to her advisory role, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, offering model-delivery strategies and selectively managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on model portfolios implemented through established custodians.

Robyn Owens is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has worked at Morgan Stanley and JP Morgan Chase Bank, N.A. among other roles. Owens is also co-owner of The Stone Shop, Inc., a business specializing in custom stone countertops for commercial and high-end retail buildings. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework applied to strategy recommendations.

Mark Ricks is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Investments, LLC. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using a range of investment strategies.

Daniel Vasquez Montejo is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he assists clients in developing comprehensive financial plans aimed at achieving financial security and peace of mind. He has been with Fidelity Investments since 2017, holding several roles including Central Relationship Manager, High Net Worth Associate, and Customer Relationship Advocate. His experience spans various facets of client relationship management and financial planning, providing him with a broad understanding of client needs and financial strategies. Daniel's professional focus is centered on being an advocate for his clients and delivering client-centered financial advice. Outside of his professional responsibilities, Daniel has interests in activities such as beach outings, scuba diving, soccer, traveling, and exploring culinary experiences.

Trevor Knudtson is a financial advisor with Raymond James Financial in South Ogden, UT, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior work includes positions at Morgan Stanley, FedEx, Amazon, and Lefavi Wealth Management. He is involved with McGarry Retirement Advisory Group and McGarry Retirement Solutions, which support his team’s marketing and operational activities. 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 offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and it supports various advisory programs and institutional portfolio management.

Whitney Charles is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, Whitney operated a photography business for eight years. 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, supported by a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Gunner Hatch is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, State Bank of Southern Utah, and service in the Utah Army National Guard. 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 institutional investors.

Mark Dickamore is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including TIAA, Mariner Wealth Advisors, and One Capital Management. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to third-party managers and customized investment strategies.

Daryan Van Meeteren is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services since 2019, as well as at U.S. Bank and U.S. Bancorp Investments prior to that. His background also includes a decade at Sports Imaging. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and maintains roles in fund advisory and model portfolio delivery.

Ryan Poll is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been affiliated with Raymond James Financial in various capacities since 2004 and is the owner of Legacy Financial Strategies. Outside of his advisory work, he serves as a Counselor to the Bishop in his local Church of Jesus Christ of Latter Day Saints unit. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and supports a broad client base including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Trent Christofferson is a financial advisor with Raymond James Financial in Ogden, UT, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His work history includes positions at Raymond James Financial since 2004 and a role at Christopherson & Palmer from 2009 to 2021. He also owns Trent Christofferson PC, a support company related to his work at Raymond James. 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, institutional investors, and charitable organizations. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

James Wiley is a financial advisor with Fisher Investments, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Fisher Investments since 2011. Fisher Investments serves a global client base including institutional and high-net-worth private clients, offering discretionary portfolio management across various asset classes. The firm employs a centralized investment approach combining quantitative and qualitative research, with risk management techniques such as derivatives and tax-loss harvesting.

Dallin Wilcox is a financial advisor at Raymond James Financial Services with six years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2019. Outside of his advisory work, Wilcox serves as a bishopric member for The Church of Jesus Christ of Latter-day Saints, where he helps manage church budgets and supports local youth activities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to guide clients in implementing investment recommendations.

Jarrod Hall is a financial advisor at Fidelity with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity and its affiliated entities in various roles since 1998. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of strategies including discretionary portfolio management and fund advisory, with a focus on systematic methodologies and long-term asset allocation.

John Willson is a financial advisor with Ameriprise in Layton, Utah, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior experience includes seven years at UBS Financial Services. Outside of advising, he is president and co-owner of CW Getaway, Inc., where he oversees operations and manages the advisory business. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm utilizes a centralized consulting team and combines research, modeling, and tax-efficiency analysis to provide customized, written recommendation reports.