James Todd Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 48 years of industry experience. He has been with LPL Financial and its predecessor entities since 1991. Outside of advisory work, he is involved in real estate rental activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with research and model portfolios.

Kent Huntley is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 16 years of industry experience. His career includes roles at Fidelity Brokerage Services, Allstate Insurance, and Linqto, Inc. He currently operates out of Kaysville, UT. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management, financial planning, and consulting services across multiple program structures and custodial relationships.

Michael Rollo is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients along the Wasatch Front and living in the Salt Lake area. He has been with Merrill Lynch since 2008 and brings over 20 years of experience in the financial industry, including earlier work at a local credit union. After assisting a successful team at Merrill for about five years, he transitioned to his own financial advisory practice focused on developing personalized wealth management strategies tailored to each client's individual goals. Michael’s expertise encompasses family wealth management, legacy and philanthropic planning, LGBT and women’s wealth planning, personal retirement and income planning, tax minimization, portfolio management, and socially responsible investing. His approach begins with understanding clients’ investment personality to create strategies that align with their values and lifestyle choices. He emphasizes transparency and values building long-term relationships to help clients visualize the possibilities of their financial future. Michael holds a Bachelor’s Degree in Business Administration with an emphasis in Finance from Weber State University and maintains the Personal Investment Advisor (PIA) professional designation. In addition to his professional role, Michael is actively involved in his community. He volunteers with organizations including Family Counseling Services of Northern Utah, Rotary Club of Ogden, and Utah AIDS Foundation. Outside of work, his personal interests include boating, golfing, skiing, and swimming.

David Lamborn is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Equitable Advisors and several RV-related firms. Lamborn also advises at McGarry Retirement Advisory Group, a non-investment related business based in South Ogden, UT. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and organizations. The firm utilizes fact-finding, risk profiling, and analytical tools to provide tailored, non-discretionary advice and supports its clients through various advisory programs and specialized offerings.

Matthew Heiner is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 63 and Series 66 designations. His tenure includes roles at Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model 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.

Kyle Black is a Vice President and Executive Planning Consultant at Fidelity Investments, holding the Certified Financial Planner(TM) designation. In this role, he partners with clients to understand their goals and objectives, providing ongoing planning and support focused on retirement plans, investment strategies, and income strategies. Kyle has accumulated experience within Fidelity Investments through various roles, including Vice President, Financial Consultant from 2020 to 2026, and Retirement Relationship Manager from 2014 to 2020. His professional background centers on financial planning and client relationship management. He holds insurance licenses in Arkansas and California.

Dustin Kazmar is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for nine years. Prior to his financial services career, he served in the U.S. Marine Corps for 20 years. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Richard Horlacher is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior experience includes roles at Bank of America, Morgan Stanley, and Fidelity Brokerage Services. Outside of his advisory work, he serves as a high school sports official with the Utah High School Athletics Association. 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 strategies for individuals, high-net-worth clients, and institutions.

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.

David Gossling is a financial advisor with OSAIC who holds Series 63 and Series 65 credentials and has 27 years of industry experience. He previously worked at Lincoln Financial Advisors for 21 years and SagePoint Financial, Inc. for one year before joining OSAIC. He is involved with IronBridge Wealth Counsel, LLC, where he acts as a private wealth advisor. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with access to third-party money managers and wrap programs. The firm employs asset-allocation tools and risk-tolerance analysis to construct diversified portfolios across multiple asset classes.

Kelly Angell is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 13 years of industry experience. Prior to joining LPL Financial in 2025, Angell worked with firms including CUSO Financial Services, Security Service Investment Group, Raymond James Financial Services, Morgan Stanley, and Wells Fargo Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing research, model portfolios, and both discretionary and non-discretionary management approaches.

Joshua Stout is a financial advisor with Raymond James & Associates in Farmington, UT, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a trustee for a trust benefiting nieces. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutional clients, and municipal entities. The firm offers non-discretionary financial planning and investment consulting, utilizing a range of portfolio management styles supported by extensive research and model manager options.

Lara Deppe is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. Outside of her advisory role, she provides consulting services to Richards Sign Company, a local business in Ogden, UT, assisting with printed product sales on consignment. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, delivering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Joshua Burns is a CFP® and holds a Series 66 license. He has worked with Edward Jones in Farmington, UT, for 11 years. Outside of his advisory role, he is also involved in residential pest control sales in the St. Louis area. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated capabilities, supported by a large nationwide network of financial advisors and branch offices.

Nicole Opie is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has worked previously at UBS Financial Services and Advantage Solutions. Outside of her advisory role, she sells personally taken stock landscape photographs online. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement who meet certain asset thresholds, combining research, modeling, and tax-efficiency strategies to provide tailored recommendation reports. As a large institutional firm, it provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.