Vance Whitby serves as a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. Since 1998, he has focused on helping affluent clients develop goals-based retirement plans tailored to each life stage. Vance employs an in-depth and realistic process to assist clients in creating predictable income strategies, capital preservation, and pursuit of long-term financial goals. Vance holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. He earned a Bachelor's degree from Brigham Young University and a Master's degree from George Washington University. Utilizing the resources and support available through Merrill Lynch and Bank of America, N.A., he provides clients with integrated estate planning, lending, and insurance strategies. Outside of his professional work, Vance has three daughters and spends his free time cycling, skiing, and enjoying outdoor activities.

Aisha Young is a financial advisor with Merrill in Provo, Utah, holding a Series 66 designation and seven years of experience advising clients since 2019. Prior to joining Merrill, she worked for ten years at Best Friends Animal Society. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Tyler Gentry is a financial advisor at Edward Jones in Lehi, Utah, holding CFP®, ChFC®, and Series 66 designations with 10 years of industry experience. He has been with Edward Jones since 2015. 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 range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large nationwide network of advisors and branch offices.

Eric Richardson is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with J.P. Morgan entities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities through a non-discretionary advisory program.

William Beck is a CFP® certificant with 20 years of industry experience. He is currently affiliated with LPL Financial since 2024 and has a prior background at Northwestern Mutual in various roles spanning from 2006 to 2024. Outside of his advisory work, he owns Pillow Cube, a separate business venture. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services through a large network of investment adviser representatives and offers access to multi-manager platforms, model portfolios, and institutional solutions.

Bradley Britton is a CFP® with 21 years of industry experience and has been with UBS Financial Services since 2006. He is based in Bluffdale, Utah. Outside of his advisory role, he serves as secretary for the Parry Farms Home Owners' Association, involved in the operation and management of commonly owned property. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Kraig Burlingame is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Cetera Advisor Networks, Peak Financial Network Solutions, and Banner Bank. Burlingame is also involved with Walker Investments, a non-investment related activity focused on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services supported by extensive technology and a broad platform that includes financial planning, model portfolios, third-party asset management, and institutional solutions.

Benjamin Clifford is a CFP® professional with 16 years of experience in financial advisory services. He has been with LPL Financial since 2021 and previously worked with Tina Hess and Amy's Group RE LLC. Outside of advisory work, he is involved in tax preparation and accounting through Barber Tax Service. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced operational and research tools.

Richard Royce is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 2015. Outside of his advisory work, he is involved in photography as an owner and photographer of a fine art photography business. Edward Jones is a full-service wealth management firm serving individuals and institutions, including high-net-worth households and corporate clients. The firm manages over $1 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment products.

Curt Peterson is a financial advisor at Edward Jones in Alpine, UT, holding a Series 66 designation with 20 years of industry experience, all of which has been with Edward Jones. 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 range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Steven Dyches is a financial advisor at MassMutual Investors Services with 19 years of industry experience. He holds a Series 66 designation and has been associated with MML Investors Services Inc and MassMutual Life Insurance Company since 2006. Outside of advisory work, he is involved as an insurance agent and consults on non-qualified deferred compensation plans. MassMutual Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements supported by proprietary software and educational seminars.

Cade Roemmich is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has prior work experience with Western Governors University and Apollo Health Group. Outside of advising, he is also active as an insurance broker, specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative planning processes.

Jordan Whittenburg is a financial advisor at Osaic with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services and operated the Whittenburg Group since 2003. He is also a licensed insurance agent involved in the sale of life, health, disability, and long-term care insurance products. OSAIC Wealth, Inc. serves a diverse group of retail and institutional clients, offering integrated brokerage and advisory services through a large network of financial advisers. The firm utilizes various asset-allocation tools and supports a wide range of investment options and third-party money managers to construct customized portfolios.

Casey Frehner is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Fidelity Brokerage Services LLC, The CORE Group, Inc., and Fanzz Sports Apparel. Casey is part of Strategic Advisers LLC, a Fidelity Investments company that serves retail and institutional clients with investment management and advisory services. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Theresa Bond is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 licenses and has three years of industry experience. Bond previously operated Bond Financial Inc. for 12 years and has worked with several other firms, including Promontory Financial Planning and Aegis Wealth Management. She is also an employee of Goar Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs through a large network of affiliated advisory firms.

Katherine Phillips is a CFP®-certified financial advisor with 13 years of industry experience. She is currently with OSAIC and has prior experience at Lincoln Financial Advisors Corporation, Confluence Wealth Management, Wells Fargo Clearing, and Merrill. In addition to her advisory role, she is also licensed as an insurance agent offering traditional life insurance and fixed and indexed annuities. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, providing integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs firm-provided asset allocation tools and supports both discretionary and non-discretionary accounts across a broad spectrum of investment options.

Adam Pace is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He has held roles at Wells Fargo Clearing since 2016 and previously worked at Fidelity from 2011 to 2014. He holds Series 63 and Series 66 designations. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Martinez is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Edward Jones and has held prior roles at Transamerica Financial Advisors, World Financial Group, and Wells Fargo Clearing Services LLC. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Tiffany Orgill is a financial advisor with Merrill in Provo, Utah, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked at Merrill since 2013 and concurrently with Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jordan Jones is a financial advisor with Mass Mutual Investors Services in Lehi, UT, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with MML Investors Services LLC since 2012 and MassMutual Life Insurance Company since 2009. Outside of his advisory role, Jones owns Lost Boys Media, a social media advertising and marketing firm, and the Diamond Collective, a sports apparel and service brand. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using firm-approved analytical tools.