Raymond Whittenburg is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses. Prior to joining OSAIC in 2024, he spent nine years at Woodbury Financial Services. He is president of Whittenburg Insurance & Investment Group, overseeing approximately 25 licensed insurance agents in the sale of life insurance and annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a broad network of financial advisers. The firm employs a variety of asset-allocation tools and third-party platforms to offer discretionary and non-discretionary portfolio management solutions.

Joshua Woodbury is a financial advisor with Charles Schwab, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab since 2018 and previously held positions at Raymond James Financial Services and The Tax Company. Outside of his advisory work, he is a partner in Woodbury Real Estate Enterprises, a real estate venture. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a mix of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines integrated custody, brokerage, and advisory functions with access to alternative investments and multi-asset model portfolios.

Isabelle Smith is a financial advisor at Raymond James Financial in Orem, UT, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at several firms including Security Service Federal Credit Union and Granite Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports both advisory programs and institutional portfolio management across a large advisor network.

Neil Schimka is a financial advisor with Mass Mutual Investors Services in Lehi, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His career includes roles at J.P. Morgan Securities, U.S. Bancorp Investments, Wells Fargo Clearing Services, and currently MassMutual Life Insurance Company and MML Investors Services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs with an emphasis on collaborative, goal-oriented planning.

James Biggs is a financial advisor at Fisher Investments with 19 years of industry experience. He holds the Series 66 designation and has been with Fisher Investments since 2008. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s investment decisions are managed by a centralized committee and incorporate quantitative and qualitative research, tax-aware processes, and defensive tactics to manage risk and positioning.

Joaquin Zavala is a financial advisor with Merrill holding a Series 66 designation and two years of industry experience. His prior work includes positions at Morgan Stanley Smith Barney LLC, UBS Financial Services, Inc., and AllianceBernstein. Outside of his advisory role, he is involved in several entrepreneurial ventures including The Driver Provider, an automotive and transportation business, and Pocholis Soaps LLC, which operates in the art and culture sector. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Quintin Bybee is a financial advisor with Mass Mutual Investors Services holding the CFP® designation and Series 63 license, with five years of industry experience. Prior to joining MassMutual Life Insurance Company and MML Investors Services, LLC in 2026, he worked at Northwestern Mutual Investment Services LLC for five years and Security On-Demand for seven years. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

Nicholas Loveless is a ChFC® and Series 66 credentialed financial advisor with 12 years of industry experience, all with Edward Jones since 2014. He is based in American Fork, UT. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a broad range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

James Blaylock is a financial advisor with LPL Financial in Provo, UT, holding a Series 66 designation and seven years of industry experience. Before joining LPL Financial in 2024, he spent six years with Avantax in various advisory and insurance roles. Outside of his advisory work, he is CEO of Blaylock & Company CPA, PC, a tax preparation and accounting firm he has been involved with since 1976. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

R. Lawrence is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and NEXT Financial Group, Inc. Outside of his advisory role, he is involved in agricultural activities through an LLC that raises beef cattle and participates as a partner in a resort investment LLC. He also serves on the Board of Directors for the USATF Foundation, supporting track and field teams and athletes. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of advisers. The firm utilizes various asset-allocation tools and third-party solutions to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Robert Winder is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 and Series 65 credentials and has 16 years of industry experience. Prior to joining Raymond James in 2025, he spent 10 years at First Financial Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm uses fact-finding, risk profiling, and analytical tools to deliver tailored, non-discretionary planning and consulting, supporting clients through its advisory programs and affiliate networks.

Landon Lawrence is a Wealth Advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has previously worked at SagePoint Financial, Inc. Outside of his advisory role, he is involved in a family-owned cattle operation where he manages a small crew responsible for land and livestock upkeep. OSAIC serves a broad range of clients including individual and high-net-worth investors, pension plans, and corporations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party managers to create diversified portfolios across multiple asset classes.

Garrett Barthelmes is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. Prior to joining LPL in 2021, he worked at J.P. Morgan Securities, Merrill Lynch, and Edward Jones. Outside of his advisory role, he is involved with Deyan Audio in a non-investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Dallin Brand is a financial advisor with Primerica Advisors in Pleasant Grove, UT, holding Series 63 and Series 65 registrations and with eight years of industry experience. His background includes roles at Go Health, Cross Fit Lehi, PFS Investments Inc., Primerica Financial Services, Gunthers Comfort Air, and The Church of Jesus Christ of Latter-day Saints. He is involved in sales of various home-related products and services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering model-based advisory services supported by third-party asset managers and custodians.

Rick Skousen is a financial advisor with Raymond James & Associates in Provo, UT, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes long-term roles at Tanner Capital Management and Raymond James Financial Services. He also serves as a licensed insurance agent, providing service for existing life insurance policies. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal clients through a variety of financial planning and advisory services, offering a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Zachary Mecham is a Financial Advisor at Merrill Lynch Wealth Management, specializing in working with business owners, executives, and families to navigate complex financial and transition decisions. He focuses on building relationships and delivering portfolio strategies designed to meet clients' financial goals through ongoing advice and adaptability. His areas of expertise include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and tax minimization. Zachary holds the Personal Investment Advisor (PIA) designation. Zachary completed his high school education at Pleasant Grove High School and attended Western Governors University without receiving a degree. He is involved with the Church of Jesus Christ of Latter-day Saints and maintains ties to Pleasant Grove High School.

Cynthia Llewelyn is a financial advisor at Merrill with 30 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 1995, including roles at Merrill Lynch, Pierce, Fenner & Smith, Inc. and Bank of America, N.A. since 2001 and 2011 respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Curtis Willardson is a financial advisor with LPL Financial in Lehi, UT, holding CFP®, Series 63, and Series 65 designations and bringing 38 years of industry experience. He previously worked at Cetera Advisor Networks LLC and Salt Lake Bsi, Inc. Outside of his advisory role, Willardson serves as a trustee for the Willardson Asset Protection Trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Jonathan Clegg is a financial advisor with Edward Jones, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory strategies, including tax-efficient services and affiliated investment products, supported by a large national network of financial advisors and branch offices.

John Nielsen is a CFP® professional with 42 years of experience in the financial services industry. He currently works with Cetera and has held roles at Keystone Wealth Advisors and Retirement Planning Associates, among others. Nielsen is also involved in equipment leasing through RPA Aero LLC, where he manages operational and accounting duties. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied discretionary and non-discretionary portfolio management options, financial planning, and access to third-party money managers.