Krista Baker is a CFP® with 16 years of industry experience. She is currently with Diversify Wealth Management, LLC since 2024 and has prior experience at DFPG Investments, Inc. and her own tax preparation firm, Baker 3, Inc., where she serves as president. Outside of advising, she is involved as secretary/treasurer for the American Federation of Musicians Local 104. Diversify Wealth Management, LLC serves individuals, high-net-worth clients, businesses, retirement plans, and institutions, managing approximately $4.1 billion in assets. The firm emphasizes tactical diversification and asset allocation through a combination of internal and third-party strategies and provides a range of platform options and investment instruments tailored to client objectives.

Stephen Williams is a financial advisor with Diversify Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes over three decades at Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC before joining Diversify Advisory Services in 2025. Williams is involved in managing a bank note related to the estate of a deceased family member. Diversify Advisory Services is an SEC-registered firm serving individuals, corporations, retirement plans, trusts, foundations, and small business owners. The firm employs a tactical diversification investment approach tailored to client goals and risk tolerance, providing a range of portfolio management, financial planning, and consulting services.

Chase Carlin is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with IP Financial Advisory Services LLC and has held roles at Innovation Partners LLC, Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Outside of his advisory work, he is involved in real estate rental activities as a landlord. IP Financial Advisory Services primarily serves individual retail clients, focusing on portfolio management, financial planning, and retirement-plan consulting. The firm offers customized investment strategies and access to third-party advisors, emphasizing services for non-high-net-worth individuals.

Skyler Fredrickson is a CFP® professional with 15 years of experience currently serving at B.O.S.S. Retirement Advisors, LLC in Salt Lake City, UT. His career includes roles at several firms such as inContact and Futurevest Financial, with eight years at B.O.S.S. Retirement Advisors. Outside of his advisory work, he owns small rental and non-investment real estate businesses. B.O.S.S. Retirement Advisors offers investment advisory and supplemental financial planning services to individuals, high-net-worth clients, and institutional entities. The firm employs a client-focused process that uses model portfolios and third-party managers to provide diversified allocations and ongoing oversight.

Gregory Billow is a financial advisor with Kestra Private Wealth Services, LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Kestra in 2018. Outside of his advisory role, Billow is an officer of Cloudbase Inc, a company involved in managing brokerage accounts, and he has also engaged in acting as a student. Kestra Private Wealth Services manages approximately $10.2 billion in client assets through a network of nearly 200 independent advisors. The firm serves individuals, retirement plans, charitable organizations, corporations, and other entities, offering a range of investment management, financial planning, and retirement services while supporting independent advisor decision-making with various platform options and third-party solutions.

Alison Drews is a financial advisor with Capita Financial Network, LLC and holds a Series 65 designation. She has two years of industry experience, including prior work at Fisher Investments. Capita Financial Network serves individuals, high net worth clients, 401(k) plans, and small businesses by providing financial planning and discretionary investment advisory services. The firm uses client-specific financial plans and risk-based model portfolios, primarily recommending third-party subadvisors, while managing accounts invested across multiple asset classes.

Barton Wagstaff is a CFP® with 14 years of industry experience, currently serving at Capita Financial Network, LLC since 2018. Prior to joining Capita, he worked at Fidelity Investments from 2012 to 2018. Outside of his advisory role, he maintains a personal holdings entity, M3 Wealth LLC. Capita Financial Network serves individuals, high net worth clients, 401(k) plans, and small businesses by providing financial planning and discretionary investment advisory services. The firm uses client-specific financial plans and risk-based model portfolios, primarily recommending third-party subadvisors, while managing a diversified range of investment vehicles.

Stephen Tate is a financial advisor at Diversify Advisory Services, LLC with 12 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Tate is a co-founder of a nonprofit organization currently in the process of filing for 501(c)(3) status and serves on its board of directors. He is also involved in outside employment with KJZZ. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension and profit-sharing plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification investment approach utilizing a variety of platforms and strategies while offering portfolio management, financial planning, corporate consulting, and multi-family office support.

Daniel Luke is a CFP® with 25 years of industry experience and is currently with Diversify Wealth Management, LLC. He has previously worked with Cedar Crest Advisors and Rain Life Home Loans. Outside of his advisory role, he serves as Treasurer and Board Member for the nonprofit Especially for Athletes and holds board positions with Creek Capital Dental Holdings. Diversify Wealth Management provides investment advisory and planning services to individual and high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm employs a tactically diversified investment approach across multiple platforms, incorporating due diligence on third-party managers and a range of investment vehicles aligned with clients’ objectives.

Joshua Carter is a CFA® charterholder with over 22 years of experience in the financial industry. He has worked at Sepio Capital, LLC since 2017 and previously held positions at Bank of America and Merrill Lynch. He is based in Salt Lake City, UT. Sepio Capital primarily advises high-net-worth individuals, families, trusts, estates, and institutional clients, offering discretionary portfolio management, financial planning, and retirement plan advisory services. The firm employs proprietary strategies alongside independent manager allocations, focusing on fundamental analysis and a long-term orientation while allowing for shorter-term adjustments to meet client goals.

Michelle France is a financial advisor at Geneos Wealth Management, Inc. with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Geneos since 2013. Outside of her advisory role, she serves as president of the Enchanted Estates Homeowners Association. Geneos Wealth Management serves a diverse client base, including individuals, trusts, pension plans, corporations, and charitable organizations, offering financial planning, investment advisory, and brokerage services. The firm employs a range of investment strategies and analytic approaches, combining continuous account monitoring with discretionary trading authority.

Avery Jackson is a financial advisor at Capita Financial Network, LLC with a Series 65 designation and one year of industry experience. Prior to joining Capita in 2025, Avery held positions at Goldman Sachs and spent time in educational roles at Brigham Young University and Summit Academy Schools. Capita Financial Network provides financial planning and discretionary investment advisory services primarily for retirees and individuals planning for retirement. The firm serves individual and high-net-worth clients, 401(k) plans, and small businesses, implementing risk-based model portfolios sub-advised by third-party managers and offering access to private funds and fund-of-fund structures.

Christopher Stokes is a financial advisor at Principal Advised Services with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities LLC and JPMorgan Chase Bank in Utah. His background also includes experience at the Opponent Combat Control Academy. Principal Advised Services provides investment advice and related services primarily to retirement plan participants and retail IRA clients, offering both non-discretionary recommendations and a discretionary investment management program called SimpleInvest. The firm combines third-party and proprietary models and operates within the Principal Financial Group family, leveraging its affiliated entities for investment products and services.

Ryan Smith is a financial advisor with Diversify Advisory Services, LLC and holds Series 63 and Series 66 designations. He has 22 years of industry experience and has held leadership roles at several related firms, including serving as president and co-owner of Diversify, Inc. Smith is also involved in managing insurance operations and holds memberships in various investment-related and holding companies. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification investment approach using a combination of internal models and third-party solutions across multiple platforms and offers a broad range of portfolio management and consulting services.

Joshua Hancock is a financial advisor at Crewe Advisors in Salt Lake City, UT, holding a Series 65 designation with three years of industry experience. His previous roles include positions at PACS, Opiniion, SimPlus, and Aloha Food Group. He also worked at Utah Valley University and The Church of Jesus Christ of Latter-Day Saints. Crewe Advisors serves individual and institutional clients, including high-net-worth individuals and charitable organizations, providing discretionary portfolio management and financial planning. The firm employs a combination of fundamental, technical, and quantitative analysis and is known for advising private pooled vehicles and serving insurance company clients.

Sharon Melville is a financial advisor with Silver Oak Securities, Incorporated, holding Series 63 and Series 66 credentials and 25 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and Securities America Advisors, among others. She owns TruNorth Investment Management, an independent advisory practice offering insurance and fixed annuity products. Silver Oak Securities, Incorporated provides advisory services to individuals, families, corporations, retirement plans, and charitable organizations, managing over $2 billion in discretionary assets through a network of more than 100 financial professionals. The firm delivers personalized portfolio management and unified managed account programs, combining internal and third-party due diligence with ongoing account reviews and reporting.

Alec Perschon is a financial advisor at Kestra Private Wealth Services, LLC with three years of industry experience. He holds a Series 66 designation and has held roles at Kestra Investment Services, Blockchain at Utah, and the University of Utah. Outside of advisory work, he is a managing partner at Elevated Private Wealth Advisors and also works as a model for McCarty's Talent Agency. Kestra Private Wealth Services serves a diverse client base including individuals, retirement plans, and institutional entities. The firm offers advisor-managed portfolios, financial planning, and a range of investment solutions across multiple advisory platforms.

Kye Moser is a financial advisor at Diversify Wealth Management, LLC with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at DFPG Investments, LLC since 2019, following multiple roles at E*TRADE Capital Management and E*TRADE Securities from 2014 to 2021. Diversify Wealth Management provides investment advisory and planning services to a diverse client base including individuals, high-net-worth clients, business owners, retirement plans, trusts, and institutions. The firm employs a tactically diversified investment approach across various platforms, incorporating due diligence on third-party managers and a mix of traditional and alternative investment vehicles.

Mark Anderson is a CFA® charterholder with 10 years of industry experience. He currently serves as a financial advisor at Dynamic, where he has worked since 2018. Prior to that, he was with Yellowstone Partners, LLC from 2015 to 2018. Dynamic serves a diverse client base including individuals, trusts, estates, charitable organizations, pension plans, businesses, and other registered investment advisers. The firm offers portfolio management, financial planning, retirement plan services, and sub-advisory support, emphasizing long-term, client-specific strategies and providing technology and operational support to other advisers.

Ruben Vilorio is a financial advisor at Diversify Advisory Services, LLC with nine years of industry experience. He holds a Series 66 designation and has worked with DFPG Investments Inc. and Diversify, Inc. since 2016. Outside of advising, he manages the nonprofit Creating Ripples Around the World, which focuses on receiving donations and distributing funds. Diversify Advisory Services is a multi-team firm serving individuals, corporations, retirement plans, trusts, foundations, and small business owners. The firm emphasizes tactical diversification and individualized asset allocation, offering a range of portfolio management options and customized investment strategies tailored to client goals and risk tolerance.