Devin Henderson is a financial advisor at Fortunate, LLC with 15 years of industry experience. He holds a Series 65 designation and has worked at Allegis Investment Advisors, LLC since 2014, while also operating as an independent insurance agent since 2004. Henderson works with school teachers utilizing 403(b) fixed annuities through independent contracts with ING, Great American, and LSW. Fortunate, LLC is a single-advisor independent firm serving individual investors and retirement plan sponsors with approximately 319 client relationships. The firm focuses on referring clients to third-party investment managers and provides retirement plan design, investment selection assistance, and employee education, without exercising investment discretion over client accounts.

Cody Lewis is a financial advisor at Proactive Wealth Management, Inc. in Draper, UT, holding the ChFC® designation with 22 years of industry experience. He founded Proactive Wealth Concepts, Inc., an insurance agency offering life, health, disability, and long-term care insurance, which represents a portion of his business activities. Prior to his current role, he worked at several firms including ARS Investment Advisors, Allegis Investment Advisors, New England Securities, and Ameriprise. Proactive Wealth Management is a small, independent investment adviser serving individuals, trusts, estates, and businesses, including high-net-worth clients. The firm emphasizes long-term, discretionary portfolio management based on fundamental analysis, using primarily low-cost mutual funds and ETFs, and typically begins client relationships with a formal financial planning process.

Eric Kruglak is a financial advisor at Pendulum Asset Management, LLC in Heber City, UT, with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Citigroup and Continental Bank prior to joining Pendulum Asset Management. Pendulum Asset Management is an independent registered investment adviser serving individuals, trusts, estates, corporations, and other business entities. The firm focuses on small- to mid-cap financial securities, preferred stock, and fixed-income instruments, managing client assets through proprietary advisory agreements and model portfolios with an emphasis on income generation and collateral quality.

Matthew Argyle is a CFP® and CFA® with 13 years of industry experience, currently serving as the sole advisor at Encore Retirement Planning, LLC in South Jordan, Utah. He previously worked at DFPG Investments, LLC and E*Trade Securities LLC. In addition to his advisory role, he owns and operates Encore Tax Services, a tax preparation business, and acts as an independent agent providing insurance products through Allegis Advisor Group. Encore Retirement Planning serves high-net-worth households, focusing on retirement income planning, wealth distribution, and portfolio management. The firm employs a planning-led, tax-aware approach with diversified ETF allocations and offers both strategic advisory and delegated discretionary services, primarily for accounts custodied at Charles Schwab.

John Thomas is a financial advisor at Fortis Wealth Management, LLC with 12 years of industry experience. He holds a Series 65 credential and has worked with firms including Foxstone Financial and CG Advisory Services. Outside of financial advising, he owns and manages an outdoor equipment rental business and has ownership interests in companies involved in wind turbine manufacturing and renewable energy. Fortis Wealth Management serves individuals, high-net-worth clients, pension and profit-sharing plans, as well as corporate and charitable organizations. The firm focuses on ETF-based portfolio management with an emphasis on asset allocation, fundamental analysis, and multi-year holding periods, offering specialized ERISA advisory and discretionary management services uncommon for a firm of its size.

Spencer Kenley is a Series 65-licensed financial advisor with two years of industry experience. He is the principal of 114th Financial LC, an independent firm he founded in 2024. Prior to this, he worked at Practice Financial Group, LLC from 2019 to 2023 and was employed at Brigham Young University from 2015 to 2019. Outside of his advisory role, he provides compliance consulting for investment advisors. 114th Financial offers financial planning, investment management, bookkeeping, and tax preparation services to individuals, high-net-worth clients, and families, with specialized planning for mental-health therapists and business owners. The firm employs a passive, allocation-driven investment approach using index mutual funds and ETFs, operates on a non-discretionary basis, and integrates behavioral education into its planning. It is notable for combining tax preparation and bookkeeping with advisory services under a CPA principal.

Brian Clegg is a CFA charterholder and Series 63 licensee with two years of experience as a financial advisor at Optimal Investment Performance, LLC. He also serves as a Biopharma Relationship Manager at Avantor, a role unrelated to investment advising. Optimal Investment Performance provides project-based investment consulting primarily to individuals, including high-net-worth clients, as well as groups, institutions, non-profits, and trusts. The firm focuses on written investment plans, implementation support, portfolio reviews, and ad-hoc consultations, emphasizing low-cost, tax-efficient, passive strategies tailored to each client's situation without discretionary management or custody of assets.

Marcus Blanchard is a financial advisor at Focal Point Financial Planning, LLC in Pleasant Grove, UT, holding the CFP® and ChFC® designations with eight years of industry experience. His prior roles include positions at DFPG Investments, Fidelity Brokerage Services, and Veritude. In addition to his advisory work, he is involved in prospecting for estate and tax planning clients through an Estate Planning Team focused on marketing Deferred Sales Trusts. Focal Point Financial Planning, LLC provides financial planning and discretionary portfolio management to individuals, trusts, estates, retirement and pension plans, and high-net-worth clients. The firm uses a combination of active and passive strategies and employs various analytical approaches to align investments with client risk tolerance and objectives, offering ongoing monitoring, annual reviews, and discretionary trading authority.

Joseph Larsen is a CFP® professional with 16 years of industry experience. He operates his own firm, Joseph M. Larsen, C.P.A., P.C., where he has provided accounting and tax services since 1993. The firm primarily serves individual clients, including high-net-worth individuals, offering portfolio management and comprehensive financial planning. Joseph M. Larsen, C.P.A., P.C. focuses on investment, retirement, tax, college, and debt/credit planning, using a documented Investment Policy Statement to align client goals with tax considerations and risk tolerance. The firm employs a long-term, modern portfolio theory approach with periodic reviews and provides portfolio services mainly centered on mutual funds, operating largely on a non-discretionary basis.

John Coles is a financial advisor at Lone Peak Capital Management, LLC with 12 years of industry experience. He holds a Series 65 designation and has worked at Lone Peak Capital Management since 2016. Coles is also affiliated with Legacy Planning Group as an Investment Advisor Representative. Lone Peak Capital Management primarily serves individual retail clients and other investment advisers through sub-advisory and third-party asset management services. The firm uses a combination of technical and fundamental analysis to guide portfolio allocations and offers both standardized and tactical investment models.

Michael Roan is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Bonneville Multi-Family Office in Provo, UT. He has been with Bonneville since 2011 and also teaches personal financial management as an adjunct faculty member at Utah Valley University. Outside of his advisory work, he is involved in charitable service with his church, assists with elder care and estate matters for his mother, and serves as treasurer on a local condominium owners association board. Bonneville Multi-Family Office serves affluent individuals, multi-generational families, entrepreneurs, and professionals, typically with household incomes above $250,000 and net worths exceeding $1 million. The firm offers family-office style services focused on diversified, asset-allocation strategies using low-cost investment vehicles and emphasizes coordination among custodians, CPAs, attorneys, and other specialists.

Bryce Sutton is a financial advisor at Colab Capital with 12 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked for Summit Global Investments for 13 years before joining Colab Capital and Your IA, LLC. Colab Capital is an independent SEC-registered investment adviser providing discretionary portfolio management and advisory services to individuals, families, trusts, charitable organizations, and businesses. The firm employs a diverse investment approach across multiple asset classes and offers financial planning and consulting tailored to each client’s risk tolerance and time horizon.

Treston Donovan is a financial advisor at Donovan Legacy Advisors, LLC in Draper, Utah. He holds a Series 65 designation and has five years of industry experience, including three years at Fisher Investments. Donovan’s firm provides discretionary portfolio management primarily to high-income and high-net-worth individual investors with long time horizons and an aggressive risk tolerance. Donovan Legacy Advisors uses a blend of modern portfolio theory, technical, charting, and cyclical analysis, including active timing strategies tied to the Bitcoin halving cycle, to allocate across equities, bonds, REITs, cash equivalents, and digital assets. The firm maintains a small, concentrated client base and a single-advisor model managing approximately $6.52 million in discretionary assets.

Sterling Jack is a Series 66-credentialed financial advisor with 18 years of industry experience. He has been with Colwyn Investments LLC since 2014. Outside of his advisory work, he is involved in non-investment activities as a tour guide for Historic LDS Tours and teaches business classes. Colwyn Investments is an independent, single-advisor firm that provides discretionary portfolio management and comprehensive financial planning to individuals, businesses, and non-profit clients. The firm manages approximately $61.2 million in assets and emphasizes fundamental analysis with technical tools to tailor asset allocation and diversification according to client objectives and risk tolerances.

Jacob Becker is a Series 65-licensed financial advisor based in Provo, Utah, with experience at firms including Goldman Sachs and several private entities. He currently operates Becker Capital Group, LLC, doing business as Growth Financial, and has a background involving roles in academia and community service. Growth Financial is an independent advisory firm offering fee-only, discretionary portfolio management to individuals, high-net-worth clients, and various account types. The firm employs proprietary Value and AI Adoption investment strategies, focusing on fundamental analysis of publicly traded stocks and limited use of S&P 500 ETFs, with custodial services provided by Charles Schwab.

Bruce Chugg is the principal advisor at Chugg Wealth Strategies, LLC, based in Provo, Utah. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to founding his current firm, he operated as a sole proprietor and worked at Tessera Capital Partners, LLC. Chugg Wealth Strategies provides investment supervisory services and financial planning to individuals, high-net-worth clients, and trusts. The firm manages portfolios on a client-directed basis using fundamental, technical, and cyclical analysis, maintaining mostly non-discretionary accounts to keep transaction authority with clients.

Marcus Tsukuda is a financial advisor at Strategia Investments, LLC, holding a Series 65 credential with two years of industry experience. He is co-founder and CEO of Expandable Navigation Technology, a company developing patented data navigation technology, which includes a genealogy platform called RootsView. Tsukuda is also the owner of UrBrakes, LLC, a vehicle maintenance company currently planned for dissolution. Strategia Investments provides a single, stock-only portfolio management service to individual and institutional clients, employing a fundamental, valuation-driven investment process with a long-term buy-and-hold approach. The firm operates on a non-discretionary basis, relying on client approval for trades, and manages all assets through a single designated custodian.

Timothy Barton is a financial advisor at Summit Wealth LLC in Orem, Utah. He holds a Series 65 designation and has been active in the financial industry since 2021, including experience at Transamerica and MidAtlantic Advisory LLC. He also has a background working with Ninja Kidz INC and Family First Medical. Summit Wealth LLC is an independent registered investment adviser serving individuals, high-net-worth clients, and business entities with financial planning, discretionary wealth management, and entity cash management. The firm uses client profiles and investment policy statements to guide portfolio implementation, generally utilizing mutual funds and ETFs based on various analytical approaches.

Hylan Harper is a financial advisor with Loyal Wealth Management LLC in American Fork, Utah, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior experience includes roles at J.P. Morgan Securities, LPL Financial, Cutter And Company, and Chase Investment Services Corp. He has led Loyal Wealth Management since 2017. Loyal Wealth Management LLC serves individual clients with discretionary asset management, managing approximately $38 million in assets. The firm offers financial planning and consulting as add-ons to asset management relationships and tailors portfolios to client objectives using strategies such as asset allocation and dollar-cost averaging. It operates as a solo-advisor firm and uses third-party providers integrating artificial intelligence and machine learning in its processes.

My name is Ben Gajardo, CFP®, and I am a dedicated Certified Financial Planner™ professional. With a profound commitment to helping individuals realize their financial dreams, I established Gajardo Wealth Management to address the unique financial planning needs of small business owners, medical professionals, and professors. Gajardo Wealth Management is located in Lehi, Utah, but we serve clients nationwide. We pride ourselves on offering personalized and comprehensive financial planning services. Our mission is to provide strategic financial guidance that is tailored to the distinct needs and aspirations of our clients. As a fee-only fiduciary firm, we are committed to prioritizing your best interests above all else, ensuring that our recommendations are always aligned with your goals. At Gajardo Wealth Management, we understand that financial planning is not just about managing money; it's about empowering you to live the life you envision. We offer a wide range of services including investment management, retirement planning, tax planning, estate planning, and more. Whether you're a small business owner looking to grow and protect your enterprise, a medical professional navigating the complexities of your financial landscape, or a professor planning for a secure retirement, we are here to help. Our approach is rooted in a deep understanding of the unique challenges and opportunities that our clients face. We take the time to get to know you, your values, and your long-term objectives. This personalized approach allows us to create tailored financial plans that not only address your current needs but also position you for future success. As a CFP® professional, I bring a high level of expertise and ethical standards to every client relationship. My role is not just to provide financial advice, but to act as a trusted partner in your financial journey. I believe in transparent communication, ongoing education, and a collaborative approach to financial planning. This ensures that you are always informed and confident in the decisions we make together. If you’re ready to take the next step towards financial security and achieving your life’s goals, I invite you to schedule an introductory meeting with us. Let’s work together to build a brighter financial future for you and your family.