Lorraine Umberger is a financial advisor at J. W. Cole Advisors, Inc. with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Cambridge Investment Research Advisors and Metlife Securities. Outside of her advisory role, she serves as a notary and manages LUC Enterprises, a tax-related business. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of more than 400 independent representatives. The firm provides portfolio management, financial planning, access to third-party managers, and various managed account solutions.

Darren Rowe is a financial advisor at Key Investment Services LLC in Salt Lake City, UT, with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role, he worked at KeyBank for 14 years. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients with a variety of advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations, ongoing monitoring, and due diligence of third-party advisory products.

John Nebeker is a financial advisor with Eagle Strategies (NY Life) and has 21 years of industry experience. He holds Series 63 and Series 66 credentials. His career includes roles at NYLIFE Securities and New York Life since 2004, and he operates multiple related entities focused on selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base with financial planning, investment management, and retirement-plan advisory services, providing tailored advice through a broad network of affiliated representatives. The firm manages a substantial asset base primarily on a non-discretionary basis and works with individual investors, institutional plans, and corporate clients within an integrated New York Life affiliate structure.

Austyn Whittenburg is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Stratos Wealth Partners, Ltd. He previously worked at Lincoln Financial Advisors for eight years and has been with Stratos and LPL Financial since 2019. Stratos Wealth Partners serves a diverse client base including high-net-worth individuals, retirement plans, and institutional organizations, offering a range of services such as financial planning, advisor-managed portfolios, model portfolios, and retirement consulting through a large network of investment adviser representatives. The firm combines individualized asset allocation and active monitoring with access to both proprietary and third-party strategies across multiple platforms and custodians.

Scott Buchanan is a financial advisor at D.A. Davidson & Co. with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Fidelity Insurance Agency and Fidelity Brokerage Services LLC. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, equity research, and a private wealth program for high-net-worth clients.

Brian Wade is a financial advisor at Key Investment Services LLC with 25 years of industry experience, including 20 years at his current firm. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as Secretary for the Boundary Springs Waters Users Association, managing organizational duties for a local water share benefiting area homeowners. Key Investment Services LLC provides investment advisory and brokerage services to individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and ongoing monitoring, offering access to third-party discretionary managers and maintaining oversight through product due diligence and supervisory reviews.

Kari Moon Brown is a CFP® professional with Series 63 and Series 65 licenses, currently serving as a financial advisor at Creative Planning. She has two years of industry experience, including previous roles at Albion Financial Group and Verity. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and emphasizes a financial planning-led investment process that incorporates low-cost indexing and supplemental strategies, supported by a broad range of affiliated non-investment businesses.

Jon Nielsen is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been associated with Diversified Investors Securities Corp. and Diversified Investment Advisors since 2009. Outside of advising, Nielsen is involved in a personal entrepreneurial venture related to real estate by managing a rental property held in an LLC with his wife. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through advisory programs focused on asset allocation, contribution rates, and retirement age guidance. The firm integrates investment models and oversight from Morningstar Investment Management and manages a high volume of clients, emphasizing non-discretionary asset management.

Cydne Butler is a financial advisor with Stratos Wealth Partners, Ltd, holding a Series 66 credential and 18 years of industry experience. Prior to joining Stratos in 2022, she worked at Morgan Stanley for five years and Merrill for ten years. She serves on the board of the Utah Blues Society. Stratos Wealth Partners serves a broad mix of individual and institutional clients, offering financial planning, advisor-managed programs, and retirement plan consulting through a large network of investment adviser representatives. The firm’s approach combines individualized asset allocation with access to proprietary and third-party strategies, supporting both discretionary and non-discretionary management across multiple platforms and custodians.

Ryan Beck is a financial advisor with Guardian Life, holding the CFP® and ChFC® designations, and has 30 years of industry experience. His prior work includes positions at AXA Advisors and Mony Securities Corporation. He is currently writing a book about Executive Benefit Planning. Guardian Life’s subsidiary, Park Avenue Securities LLC, serves individuals, pension plans, charitable organizations, and corporate clients by providing brokerage services, financial planning, retirement plan consulting, and a variety of investment advisory programs.

Jared Copinga is a financial advisor at Prime Capital Financial with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Financial Engines Advisors L.L.C. and TMFS Advisors, LLC. In addition to his advisory role, he is involved with Prime Capital Risk Management, focusing on the sale and service of fixed insurance products. Prime Capital Financial is an SEC-registered advisory firm serving individuals, trusts, corporations, and retirement plans with a range of services including asset management, financial planning, and qualified retirement plan sponsor and trustee services. The firm employs various investment strategies and offers family office services along with affiliated tax advisory capabilities.

Joshua Schmidt is a financial advisor at Transamerica Retirement Advisors, LLC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2013. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios to provide guidance focused on asset allocation, contribution rates, and retirement timing.

Valerie Tanner is a financial advisor at Lido with eight years of industry experience and holds a Series 66 designation. She previously worked at Olympus Wealth Management, Addepar, and Morgan Stanley. Lido advises high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, charitable organizations, corporations, and pooled investment vehicles. The firm offers integrated wealth management services including investment management, financial planning, family office services, and retirement and estate planning, with a focus on diversification and options-based strategies.

Eric Keith is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and having one year of industry experience. Prior to his current roles, he worked at Texas Roadhouse for seven years and HK Composites for one year. He also engages in independent insurance sales outside of Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, and advisory programs. The firm offers both discretionary and non-discretionary investment solutions, including hybrid digital advisory services and tailored financial planning options.

Kai Granados is a financial advisor with Empower Advisory Group in Murray, Utah. He holds Series 66 and Series 63 licenses and has been with Empower since 2026. Prior to that, he worked briefly at Morgan Stanley and has professional experience in various roles including military service in the U.S. Air Force. Empower Advisory Group provides financial planning and investment management mainly to employer-sponsored retirement plan sponsors and participants, as well as retail IRA and brokerage clients. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms and focuses on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Clinton Stosich is a financial advisor with Eagle Strategies (NY Life) in South Jordan, UT, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at Eagle Strategies, Ethington Financial Group, Nylife Securities LLC, and New York Life Insurance Company. He is also involved in brokering non-registered insurance products through Ethington Financial Group. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored advice through multiple program types and manages a majority of assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Johansson is a financial advisor with TIAA-CREF in Salt Lake City, UT. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at LPL Financial LLC, Zions Bancorporation, and Lincoln Financial Advisors Corporation. Outside of advising, he is a member of Johansson Holdings LLC. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm’s advisory services include both point-in-time planning and ongoing portfolio management, utilizing model portfolios or customized strategies managed under a fiduciary standard.

Bradford Sawyer is a financial advisor at D.A. Davidson & Co. with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has previously worked at Ameriprise, Bank of America, Merrill, and U.S. Bancorp Investments. Outside of his role at D.A. Davidson, he manages an advisory business at Fredrickson and Associates, Inc. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm operates under fiduciary standards and provides both non-discretionary and discretionary retirement plan advice, comprehensive financial planning, and specialized wealth management for high-net-worth clients.

Hale Mc Cullough is a Series 66-licensed financial advisor with four years of industry experience, currently affiliated with Ameritas Advisory Services, LLC. He is also an Associate Financial Planner at Boom Planning/Canvas Financial, where he has worked since 2020. His prior work includes multiple roles at Santa Clara University and experience with Portland Parks & Recreation and Ida B Wells High School. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, delivered through a network of Investment Adviser Representatives using both discretionary and non-discretionary approaches.

Melisa Portillo Leonardi is a financial advisor at TIAA-CREF with five years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, and Primerica Financial Services. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and corporate entities. The firm offers both point-in-time planning and ongoing portfolio management through a range of model and customized portfolios.