John Bingham is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and having five years of industry experience. He is also the author of the book "Starting Over Starting Late or Both," which has been available since 2019. His work history includes roles at Transamerica Financial Advisors, WealthWave, Managed Wealth Financial, and World Financial Group since 2020. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party model portfolios with discretionary and non-discretionary options.

Andrew Ellis is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at Key Investment Services and KeyBank in various capacities since 2015. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm utilizes a multi-provider model combining discretionary implementation and strategist portfolio design, with notable integration of KeyCorp affiliates for additional advisory and banking services.

Kara Weston is a financial advisor with Valic Financial Advisors in Salt Lake City, UT, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at Valic Financial Advisors since 2017 and also holds a position with Agia focused on non-securities insurance products. Outside of her advisory work, she and her husband produce and sell baked goods as a hobby. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and providing options such as Tax Overlay and Impact (ESG) Overlay services.

Charles Reimers is a financial advisor at Cetera Planning Partners with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Burrus Financial Services, Scottrade, and Avantax Planning Partners. Reimers is based in Salt Lake City, UT. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management and comprehensive financial planning along with tax planning, bookkeeping, payroll support, and estate-planning services, using a diversified investment approach tailored to client objectives through a formal planning process.

Landon De Coursey is a CFP® professional with one year of industry experience, currently with CWM, LLC and Carson Wealth. His prior work includes roles in insurance and construction, as well as affiliation with Brigham Young University. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, families, foundations, corporations, and institutions through a network of over 600 advisors. The firm employs discretionary management using model portfolios and combines various analytical approaches and third-party resources, with a focus on retirement plan services and fiduciary processes.

Richard Gallacher is a financial advisor with Stratos Wealth Partners, Ltd in Salt Lake City, UT. He holds a Series 66 credential and has nine years of industry experience. Prior to joining Stratos in 2019, he worked at Lincoln Financial Advisors from 2016 to 2019. Stratos Wealth Partners, Ltd is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and other institutional clients, offering a range of advisory services through an open-architecture platform that integrates multiple third-party managers and customized portfolio solutions.

Dustin Sutton is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at OneAmerica Securities and American United Life. Outside of his advisory role, he serves as president of Silver Key Benefits, an insurance sales company. AE Wealth Management is an SEC-registered investment adviser serving individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that combines internally managed, third-party, and advisor-managed models.

Jonathan Larsen is a financial advisor at Osaic Advisory Services, LLC with two years of industry experience. He holds a Series 66 designation and has previously worked at Cetera and Cetera Wealth Services. Outside of his advisory work, he operates a freelance photography business. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension plans, corporations, trusts, and charitable organizations. The firm provides investment management, financial planning, retirement consulting, and related services through multiple program models, utilizing both proprietary and third-party platforms.

Richard Phillips is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and having seven years of industry experience. His career includes positions at WealthWave, Managed Wealth Financial, World Financial Group, and WFG Direct since 2018. Outside of financial advising, he has worked in aerospace manufacturing since 1982 with PCC Aerostructures Klune-Spanish Fork, specializing in CNC programming and aerospace part production. Transamerica Financial Advisors serves a diverse range of clients including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment models with discretionary and non-discretionary options.

Jordan Grow is a financial advisor with Equity Services, Inc. holding a Series 65 designation and two years of industry experience. His prior work includes roles at MDRN Capital LLC, Cambridge Financial, and National Life Group. Outside of advising, he is co-owner of Grow Financial LLC, an insurance agency, and JH Grow LLC, a marketing and home renovation business. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms with a combination of long-term strategies and options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Gregory Brown is a financial advisor with Hornor, Townsend & Kent, LLC, holding CFP® and ChFC® designations and more than 42 years of industry experience. He has been with Hornor, Townsend & Kent since 2013 and also has a long tenure with Penn Mutual starting in 2004. Outside of his advisory roles, he operates a multi-line insurance brokerage focused on life, health, disability, long-term care, and annuity products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, operating as both an SEC-registered investment adviser and a FINRA-member broker-dealer.

Jonathan Fauver is a CFP® with seven years of industry experience, currently advising at Farther since 2023. His prior roles include positions at Charles Schwab Bank, Charles Schwab, Fidelity Brokerage Services, and E*Trade Securities. Before entering the financial sector, he worked at Brigham Young University for four years. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs a Modern Portfolio Theory-based investment approach using bespoke allocations and proprietary algorithmic model portfolios, primarily investing in ETFs, mutual funds, equities, and fixed income.

Aaron Haaga is a financial advisor with Transamerica Financial Advisors in South Jordan, UT. He holds a Series 66 designation and has one year of industry experience. Outside of advisory work, he is involved in real estate development and management through several business ventures, including ownership and operational roles in construction, subdivision development, and real estate sales. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services, utilizing proprietary model portfolios and third-party money managers, with both discretionary and non-discretionary program options.

Jordan Hatanaka is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 registrations and nine years of industry experience. He has held roles at Transamerica Financial Advisors since 2015, with prior involvement in insurance sales and bookkeeping for businesses including Crystal Tones LLC and 2 A4 Life. Outside of his advisory work, he serves as a controller at Crystal Tones LLC, a manufacturing company. Transamerica Financial Advisors serves a broad client base including individual investors, high-net-worth clients, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, employing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Alan Wilde is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His work history includes roles at Megasphere, Business Network International, Inovashare Benefits LLC, Awesome Benefit Advisors, Managed Wealth Financial, and WFGIA. He participates in business networking groups such as Business Network International and Megasphere. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios with discretionary and non-discretionary options.

Michael Hadley is a financial advisor with Guardian Life and holds the Series 63 and Series 66 designations. He has 20 years of industry experience, including prior roles at Principal Securities Inc. and Principal Life Insurance. His career is primarily focused within Guardian Life and its affiliated entities, including Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a wholly owned subsidiary of The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Randall Fox is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He previously worked at J.P. Morgan for 21 years before joining Transamerica in 2024. Outside of advising, he is the owner of Fox Properties I & II, a rental property business he has managed since 2008 through a property manager. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory approach across multiple platforms.

Cody Barrus is a CFP® and Series 65-licensed advisor at EP Wealth Advisors with one year of industry experience. He previously worked at Aquire Wealth Advisors, LLC d/b/a Dentist Advisors, among other firms, and spent six years at Brigham Young University. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a blend of fundamental, technical, and cyclical analysis.

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 with Key Investment Services LLC in Salt Lake City, UT, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. His career includes 14 years at KEY BANK before joining Key Investment Services in various capacities since 2015. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm uses a multi-provider model and integrates with KeyCorp affiliates to support its offerings, emphasizing non-discretionary asset management and percentage-of-AUM wrap fees.