Rex Baxter is a financial advisor with Ameriprise in Washington, Utah, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of advising, he serves on the board of Youth Futures of Utah and participates in the Weber State University endowment committee. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic automation alongside oversight committees to tailor retirement income recommendations.

Amy Terry is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Clifford Peterson is a financial advisor with Charles Schwab & Co., Inc. in St. George, UT, holding a Series 66 designation and bringing 13 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Kamron Wootton is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 licenses. He has eight years of industry experience and has previously worked at BCJ Capital Management and Statera Wealth Management. Outside of advising, he has experience as a producer of life insurance and annuity products. MassMutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and collaborative planning processes.

Tyler Sutherland is a financial advisor with RBC Capital Markets, holding a Series 66 designation and nine years of industry experience. He previously worked at Bank of America and Merrill, where he spent multiple years in various roles before joining RBC Capital Markets in 2026. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, corporations, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, integrating both in-house and third-party investment managers to align with clients’ risk profiles and investment preferences.

Mike Panson is Vice President Private Wealth Management Advisor at Fidelity Investments, where he has served since 2022. He specializes in assisting corporate executives, including officers and directors subject to SEC Rules 144 and 16B, in managing the financial and regulatory complexities associated with their positions. His expertise includes employer-sponsored benefit plans and equity compensation, helping clients translate these complex areas into actionable strategies aligned with their broader life goals. Mike's tenure at Fidelity Investments spans over two decades, beginning as a Financial Representative in 1998. He progressed through roles including Account Executive, Senior Account Executive, and Executive Planning Consultant before assuming his current position. He holds a California Insurance License.

Dustin Woodbury is a financial advisor with Charles Schwab in St. George, UT, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. In addition to his advisory role since 2015, he is a partner and part owner in several businesses, including Bullfrog Spas of Missoula and Pack It Ship It, LLC, and serves as a council member for Dixie State University's Planned Giving Advisory Council. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through a combination of non-discretionary advisory services and discretionary separately managed accounts, offering integrated brokerage, custody, and advisory solutions.

Mark Armstrong is a financial advisor with LPL Financial in Saint George, UT, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Royal Alliance Associates, Sii, First Allied Advisory Services, First Allied Securities, and U.S. Bancorp Investments. Armstrong has been involved in non-variable insurance activities through his own business, Armstrong & Associates Insurance. 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 a range of financial planning and investment services, combining advisory platforms with various non-advisory financial activities and overseeing over $819 billion in discretionary assets across more than 22,800 advisors.

Amy Wright is a financial advisor with UBS Financial Services in Hurricane, Utah, holding a Series 63 designation and 12 years of industry experience. She has been with UBS since 2010. Outside of her advisory role, she assists with administrative tasks for her spouse’s business, Roninbird LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Sandra Caprine Esquer is a financial advisor at Ameriprise with 36 years of industry experience. She has been with Ameriprise and its predecessor firm since 1989 and holds Series 63 and Series 65 licenses. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines algorithmic analysis with expert review to deliver tailored, non-discretionary advice through a centralized consulting team.

Wayne Evans is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining J.P. Morgan in 2021, he worked at firms including Equitable Advisors, Massachusetts Mutual Life Insurance, and Edward Jones. Outside of his advisory role, Evans is involved in education as an instructor for a beginning finance course at Utah Tech and serves as an assistant coach for a high school softball team, as well as working as a baseball umpire. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG frameworks.

Craig Nelson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at firms including Epic Trust Investment Advisors, LPL Financial, and Zions Bank. Nelson serves as a Senior Wealth Advisor at Epic Private Wealth, providing financial planning and wealth management services to individual clients and families. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Troy Olsen is a financial advisor at Edward Jones in St George, UT, with one year of industry experience. He holds a Series 66 designation and previously worked at Thomson Reuters and Helm360. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard and maintaining a large network of advisors and branch offices.

Nicholas Olsen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients manage their wealth through personalized financial strategies that align with their most important goals. His areas of expertise include college education planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services among others. Nicholas holds a Bachelor's Degree from Western Governors University and has earned professional designations such as Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He also attended the University of Phoenix and completed his high school diploma at Highland High School. Outside of his professional work, Nicholas engages in community involvement with organizations like Pivotal Solutions: Empowering People Through Life Changes. His personal interests include baseball, biking, camping, football, golfing, hiking, reading, traveling, yoga, and spending time with his family.

Matthew Cushing is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior work includes roles at State Bank of Southern Utah and positions outside finance such as at JW Marriott Hill Country Resort and Spa and Ross Stores, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment and advisory services through a multi-manager platform with access to various portfolio management options and third-party money managers.

Cole Clarkson is a Financial Advisor with Merrill Lynch Wealth Management. He holds a Bachelor's Degree from Utah Tech University. Outside of his professional role, Cole has a variety of personal interests including baseball, basketball, boating, fishing, football, golfing, pickleball, spending time with his family, traveling, and watching movies.

Carl Russell is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior work includes roles with Waddell & Reed, Inc., various insurance carriers, and community organizations such as the American Indian Services and BYU Alumni Association of St. George. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of financial planning, asset management, and institutional services. The firm offers diverse advisory solutions including model portfolios and third-party management, supported by proprietary research and operational tools.

Eric Andra is a financial advisor with Charles Schwab in St. George, Utah, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and periodic reviews.

Stephen Skokos is a financial advisor with LPL Financial based in St. George, UT. He holds a Series 66 designation and has 14 years of industry experience, including his concurrent role at Mountain America Credit Union. He is also an insurance agent affiliated with Mountain America Insurance Services. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment solutions, leveraging both proprietary and third-party strategies, and supports its network of advisors with technology and operational resources.

Darin Frandsen is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 18 years of industry experience, including 14 years at Edward Jones prior to joining Raymond James in 2022. He also owns and operates a personal LLC for tax purposes and manages a branch DBA related to expense administration. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs in municipal finance and SIMPLE IRA Employer Advisory services.