Ryan Cooper is a PFS™ credentialed financial advisor with five years of industry experience. He has worked at Verticus Advisors Inc. since 2024 and previously held roles at Archer Investment Corp and Nagel CPAs, LLC. Ryan combines financial advising with accounting expertise. Verticus Advisors Inc. serves individual and high-net-worth clients with discretionary portfolio management, financial planning, and integrated accounting and tax preparation services. The firm’s investment process incorporates fundamental analysis and modern portfolio theory to build long-term portfolios, and it uniquely integrates tax preparation and accounting within its advisory practice.

Mark Lund is a financial advisor with Stonecreek Wealth Advisors in South Jordan, Utah, holding Series 63 and Series 65 designations and over 23 years of industry experience. He has been with Stonecreek Wealth Advisors since 2010. Lund also serves as president of Financial Educators of Utah, which provides financial education to employees of businesses and members of various groups. Stonecreek Wealth Advisors offers investment advisory and retirement-planning services to individuals, retirement plans, trusts, charitable organizations, and business entities. The firm employs a fiduciary approach based on the Uniform Prudent Investor Act and Modern Portfolio Theory, utilizing third-party investment managers and delivering portfolio analyses and retirement-planning engagements.

Charan Singh is the sole advisor at Skylid Capital Management, Inc., an independent registered investment adviser based in Sandy, Utah. He holds Series 63 and Series 65 designations and has 10 years of industry experience. In addition to his advisory role, Singh teaches accredited options courses and a marketing class through Options Animal. Skylid Capital Management serves individual and high-net-worth clients with discretionary portfolio management, employing a combination of charting, fundamental, technical, and quantitative analysis. The firm utilizes options and other derivatives in client accounts and emphasizes transparency by publishing historical performance results and disclosing ancillary teaching activities.

Reginald Maxfield is a CFP® with 19 years of industry experience and has been with Olympus Peaks Financial, LLC since 2016. He holds a Series 66 designation and assists individuals with the organization and management of defined contribution and defined benefit plans. Olympus Peaks Financial, LLC provides ongoing portfolio management, pension consulting, and fee-based financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm combines fundamental and quantitative analysis with modern portfolio theory and technical strategies, and maintains a notable pension consulting practice for plan sponsors alongside its discretionary investment management services.

Hi! I’m Jen, fellow human and creator of Money Illustrated. I'm so grateful you're here! My journey into financial planning began while I was working as a self-employed artist & graphic designer; learning to manage my own finances and variable freelance income is what sparked my interest in understanding money better. This quickly became more than a side hobby, and eventually resulted in my making a career change to pursue an undergraduate degree in financial planning. I later went on to complete a graduate degree in Financial Planning & Analytics. In addition, I obtained the Certified Financial Planner (CFP®) designation, am an Accredited Financial Counselor (AFC®), and a Certified Divorce Financial Analyst (CDFA®). As a free-spirited, artsy feminist working in the financial planning industry over the years, I never quite fit into the old-school, male-dominated industry (very much in need of diversity and new perspectives). Eventually, I decided I needed to create the space I was searching for. I started Money Illustrated with the hope that I could bring my two worlds of art and financial planning together in order to create something different—an inclusive, progressive, and innovative approach that's both creative and human-centered. My goal is to always act in clients' best interest, while guiding toward financial success and educating on the intricacies of their financial situations. Overall, I want to help others feel empowered to live their dream lives. No matter what your financial background looks like, I’m here to offer a judgment-free approach that meets you where you are. Financial planning is a tool to help you build a life that feels like your own, focusing on your values, supporting your relationships, and prioritizing what truly matters most to you. Outside of personal finance, I love to hike in the nearby Rockies, tend to my plants, practice yoga, and paint. I live near Salt Lake City, Utah, with my wonderful partner, an exuberant dog, and two cuddly old cats.

Ryan Kelly is a CFP® with seven years of industry experience. He has worked at RFK Capital Management since 2018 and previously spent ten years at Evergreen Capital Management. Ryan operates as the sole advisor at RFK Capital Management. RFK Capital Management provides project-based financial planning and investment advice primarily to individual Do-It-Yourself investors, including high-net-worth clients. The firm uses a fixed, flat-fee structure for discrete engagements and emphasizes low-cost, broadly diversified indexing with periodic rebalancing and limited trading.

Cody Lewis is a financial advisor at Proactive Wealth Management, Inc. in Draper, UT, with 22 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to founding his current firm, he worked at ARS Investment Advisors, Allegis Investment Advisors, and Retirement Wealth Advisors. He also operates an affiliated insurance agency licensed to sell life, health, disability, and long-term care insurance. Proactive Wealth Management is an independent, single-advisor registered investment adviser serving individuals, high-net-worth clients, trusts, estates, and businesses. The firm uses a long-term, fundamentals-based investment approach with diversified portfolios primarily composed of low-cost mutual funds and ETFs, providing both financial planning and ongoing portfolio management.

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.

Pavel Naruta is a financial advisor at NarStar in Sandy, Utah. He holds a Series 65 designation and has less than one year of industry experience. Prior to his current role, he worked at Handshake AI and spent several years at Mid America River & Rail, where he also serves as an independent contractor developing technical analysis tools for futures markets. Pavel has been a full-time student at various schools since 2014. NarStar serves individual retail investors, including high-net-worth individuals, trusts, and certain business entities, as well as employer-sponsored SIMPLE IRA participant accounts. The firm uses discretionary management of three internally developed Model Portfolios and combines fundamental analysis with artificial-intelligence research tools to guide its investment decisions.

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.

Jon Debry is the sole advisor at JD Investment Management, LLC, an independent firm based in Salt Lake City, UT. He holds a Series 65 designation and has 27 years of industry experience, having led JD Investment Management since its founding in 1998. JD Investment Management provides fee-based portfolio management and limited, topic-specific financial planning to individual and nonprofit clients. The firm employs a value-oriented investment approach focused on fundamental analysis with technical analysis used for timing, investing broadly across equities, bonds, ETFs, and preferred securities while generally avoiding options, margin, and private placements.

Sterling Crockett is the principal of Crockett Wealth Management, Inc. in Sandy, Utah, with 16 years of industry experience. He holds Series 65 and Series 66 licenses and has prior experience at Packerland Brokerage Services, Inc. and nonprofit organizations including the Elizabeth Smart Foundation and Fight the New Drug, Inc. He is also a licensed insurance agent. Crockett Wealth Management serves high-net-worth individuals, business owners, and institutional clients such as private foundations and public charities. The firm offers discretionary investment management, comprehensive wealth planning, nonprofit consulting, and retirement-plan advisory services, employing strategies like modern portfolio theory and tactical asset allocation.

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.

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, holding a Series 65 designation with five years of industry experience. Prior to founding his firm, he worked at New Way Wealth Management LLC and Fisher Investments. Donovan Legacy Advisors provides discretionary portfolio management and investment advisory services primarily to high income and high net worth individual clients with long time horizons and a tolerance for aggressive risk. The firm employs tailored asset allocation strategies across multiple asset classes, including digital-asset exposure managed with timing strategies linked to the Bitcoin halving cycle.

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.

Gai Baker is a financial advisor at Black Salt Advisors LLC with a Series 65 credential and one year of industry experience. Prior to this role, Baker has held positions at Black Salt Capital LLC, Northrop Grumman, and General Electric. Black Salt Advisors LLC provides advisory services to individuals, high-net-worth clients, and businesses, offering both discretionary and non-discretionary portfolio management alongside financial planning. The firm employs internally developed model portfolios and a top-down process that combines fundamental and technical analysis to guide asset allocation and security selection, with services tailored to client-specific needs.

Tyler Rainey is the principal of Rainey Wealth Management LLC in Salt Lake City, UT. He holds Series 63 and Series 65 licenses and has experience spanning several roles since 2000, including business consulting through his ownership of TR Invest. Prior to founding his firm in 2025, he worked at Cache Capital Corp and other financial and business-related companies. Rainey Wealth Management LLC provides investment management, financial planning, and portfolio review services to individuals, high-net-worth clients, and sophisticated self-directed investors. The firm employs a combination of fundamental, technical, cyclical, and charting analysis within a modern portfolio theory framework, offering both active and passive portfolio construction tailored to client risk tolerance and objectives.

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.

Gary Gygi is the principal of Gygi Capital Management, an independent advisory firm, with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Union Capital Company since 2018, alongside managing his own firm since 2009. Gygi is also a licensed insurance agent in Utah and Florida. Gygi Capital Management offers comprehensive financial planning and discretionary investment management to individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a blend of fundamental and technical analysis, favors long-term growth and value strategies with international diversification, and provides institutional consulting and retirement plan services.