Scott Allen is a financial advisor with LPL Financial in American Fork, UT, holding a Series 66 designation and 28 years of industry experience. Prior to joining LPL in 2019, he worked at Merrill from 1997 to 2019 and Bank of America from 2017 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with investment strategies supported by both LPL Research and third-party subadvisors.

Justin Harman is a Financial Consultant at Fidelity Investments, where he collaborates with clients to analyze their investment portfolios and retirement plans. He focuses on helping clients understand their progress toward retirement and developing investment strategies that align with their individual needs. Utilizing the tools and resources available at Fidelity, Justin works closely with clients to co-create tailored financial strategies. Justin has held various roles at Fidelity Investments since 2021, including Planning Consultant, Benefits & Planning Consultant for Executive Services, Investment Solutions Representative II, and High Net Worth Service Associate. Prior to joining Fidelity, he worked as a Financial Representative at Northwestern Mutual and as a Business Development Manager at Cannon Capital Management. He holds insurance licenses in Arkansas and California. Outside of his professional work, Justin is interested in baseball, football, golf, family activities, parenthood, and volunteering.

Randy Reid is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial planning and investment advisory services to clients, leveraging his expertise to support their wealth management needs. Randy holds the professional designation of Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Brigham Young University and a Master's Degree from Harvard University.

Owen Mitchell is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and has previously worked at Trestlewood and Doterra. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Andrew Walker is a financial advisor with LPL Financial in Orem, Utah, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He previously worked at Commonwealth Financial Network and Merrill Financial Associates. Walker is also involved with Tamarack Management Holdings LLC and operates Walker-Covey Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, incorporating both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Robert Dowdle is a CFP® and ChFC® credentialed financial advisor with 19 years of industry experience. He is currently with LPL Financial and previously worked for Northwestern Mutual in various capacities from 2006 to 2025. Dowdle is involved with his own business entities related to investment and insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Kim Spencer is Vice President and Financial Consultant at Fidelity Investments, a role held since 2011. She has been with Fidelity Investments since 1998, progressing through positions including Financial Consultant, Relationship Manager, Investments Representative, and Financial Representative. Her expertise includes financial planning, investment strategy, generating cash flow, wealth accumulation, protection strategies, and tax-efficient investing. She holds insurance licenses in Arkansas and California. Outside of her professional work, Kim enjoys biking, board games, outdoor adventures, skiing, yoga, and spending time with her pets.

Miriam Rushton is a financial advisor with Merrill in Provo, UT, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Merrill since 1989. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Travis Ewell is a financial advisor with Cambridge Investment Research Advisors based in Provo, UT. He holds Series 63 and Series 65 designations and has 28 years of industry experience. Prior to his current role, he worked at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company. He is also an owner and partner of Frandsen Morrill Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing a variety of portfolio management strategies and custody platforms.

Jonathan Pack is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following eleven years at Bank of America and over two decades at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various planning and investment platforms.

Weston Bench is a financial advisor at Morgan Stanley in Provo, UT, holding Series 63 and Series 65 credentials with six years of industry experience. His prior experience includes roles at Goldman Sachs & Co. LLC and two academic positions at the University of Utah and Utah Valley University. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and scenario modeling.

Samuel Rosen is a CFP® and ChFC® affiliated with LPL Financial, with 11 years of experience in the financial services industry. He previously worked at Northwestern Mutual in various roles from 2015 to 2024. Outside of advising, Rosen is involved with EmBody Health and Fitness, a health and fitness business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research to support diversified investment strategies.

Alan Nygren is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity since 2011, progressing through various positions including Financial Consultant, Portfolio Specialist, Client Management Representative, Retirement Solutions Representative, and Investment Solutions Representative. Prior to joining Fidelity, Alan worked as a Personal Banker at Wells Fargo Bank from 2007 to 2011. As a CERTIFIED FINANCIAL PLANNER™ practitioner, Alan focuses on helping individuals and families build, manage, preserve, and transition their wealth. His approach to financial planning emphasizes risk management, investment strategies, income planning, and estate planning considerations. He holds a California Insurance License. Alan's personal interests include biking, family activities, football, golf, hiking, and traveling.

Tina Hess is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She has worked with LPL Financial since 2021 and has a background that includes tax preparation and accounting through Barber Tax Service, where she has been involved for over 20 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research and technology, providing both discretionary and non-discretionary management options.

Mccall Jensen is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, Jensen held roles in retail and sales, including positions at Gap and as a seller on Poshmark. Outside of advisory work, Jensen has engaged in clothing sales through Poshmark and Gap. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Michael Perkins is a financial advisor with Primerica Advisors in Springville, UT, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Primerica since 2005. Outside of advisory activities, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-based strategies developed by third-party managers and maintains approximately $15.5 billion in assets under management through a nationwide network of nearly 3,700 advisors.

Alan Smiley is a financial advisor with Wells Fargo Advisors in Lehi, Utah, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2011. Outside of his advisory work, he teaches people how to fly fish through a side business in Draper, Utah. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, leveraging proprietary research and tools to develop tailored recommendations for clients who meet specific net-worth thresholds.

Andrew Epperson is a financial advisor with Equitable Advisors in Lehi, Utah, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Equitable Advisors since 2004, including its predecessor AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Peter Kranenburg Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Sagepoint Financial, Inc. and Next Financial Group, Inc. Outside of advising, he is involved in a firearms sales business operated with his son. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing in constructing diversified portfolios and provides access to third-party money managers and wrap programs.

Travis Pointer is a financial advisor with Merrill in Lehi, Utah, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA from 2018 to 2022. Outside of his advisory role, Pointer serves on a committee managing Land Trust funds for Lehi Elementary, participating in decisions on educational resource allocations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.