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.

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® professional with 15 years of industry experience, currently serving as an advisor at Stratos Wealth Partners, Ltd since 2019. Prior to this, he worked at Lincoln Financial Advisors from 2011 to 2019. He is based in Salt Lake City, UT. Stratos Wealth Partners, Ltd is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management, serving individuals, retirement plans, corporations, nonprofits, and institutional clients. The firm uses an open-architecture investment approach and offers customized portfolio management through affiliated and independent advisers.

Lynn Ruff is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and seven years of industry experience. She serves as treasurer for the Highland Conservation District and provides estate planning-related services through LSPN Pro LLC. Lynn has been with Transamerica Financial Advisors since 2018 and has additional experience with World Financial Group and Robert Half. Transamerica Financial Advisors, LLC offers investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers to implement its advisory model. The firm supports individual investors, employer-sponsored plans, trusts, and charitable organizations through a large advisor network and multiple program platforms.

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 with Key Investment Services LLC in Salt Lake City, UT, holding Series 63 and Series 65 credentials and having 25 years of industry experience. He has been with Key Investment Services since 2006. Outside of his advisory role, he serves as Secretary for the Boundary Springs Waters Users Association, which manages water shares for homeowners in a specific geographic area. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers multiple model-based advisory programs and utilizes a multi-provider platform with oversight from its Product Due Diligence Committee, integrating resources from KeyCorp affiliates to provide various financial services.

Joseph Morley is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds a Series 66 designation and has worked previously at National Life Group, MML Investors Services, MassMutual Life Insurance Company, Farmer Insurance, and Uniformed Services Veterans Mortgage. He was also the owner of Joe Morley's Smoked Beef & BBQ for 17 years. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

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.

Cydne Butler is a financial advisor with Stratos Wealth Partners, Ltd., holding a Series 66 designation and bringing 18 years of industry experience. Her prior roles include positions at Morgan Stanley and Merrill. She serves on the board of the Utah Blues Society. Stratos Wealth Partners is an SEC-registered enterprise advisor 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 institutions, offering a range of advisory and portfolio management services through an open-architecture platform that integrates various third-party managers.

Ryan Beck is a CFP® and ChFC® with 30 years of experience in the financial industry. He is currently with Guardian Life and Park Avenue Securities, where he has worked since 2017. Previously, he spent over a decade at Axa Advisors and also worked at Mony Securities Corporation. Outside of his advisory role, he is writing a book about Executive Benefit Planning and manages Wealth Beyond Money of Utah, a wealth strategies agency. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and investment solutions tailored to client needs.

Gregory Sagers is a CFP® with 24 years of industry experience, currently serving as an advisor at Independent Financial Group, LLC since 2023. He previously worked at Planmember Securities Corporation and Morgan Stanley, and has operated his own advisory business since 2014. He also maintains an ongoing role with Financial Educational Systems, Inc. outside of his primary advisory work. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs both firm- and third-party models to develop client strategies, offering a range of portfolio management options across varying risk profiles.

Donald Braun Jr. is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 15 years of industry experience. His career includes roles at WealthWave, Managed Wealth Financial, and World Financial Group, among others. Outside of financial services, he is a shareholder in Braun Holdings LLC, a golf lab and golf simulator business. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment programs.

Garrett Vanamen is a financial advisor at Centaurus Financial, Inc. with 10 years of industry experience. He has been with Centaurus Financial since 2018 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he manages a part-time sales business specializing in plastic countertops. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services across both discretionary and non-discretionary arrangements.

Jared Copinga is a financial advisor at Prime Capital Financial with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Financial Engines Advisors L.L.C., The Mutual Fund Store, and TD Ameritrade. Outside of advisory work, 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 enterprise advisory firm serving individuals—including high-net-worth and ultra-high-net-worth clients—trusts, corporations, and retirement plans. The firm offers a broad range of services such as asset management, financial planning, retirement plan sponsor and trustee services, and family office solutions, employing both discretionary and non-discretionary investment strategies across various platforms.

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. Her career includes positions at Morgan Stanley, Addepar, Olympus Wealth Management, and currently Lido Advisors. Lido serves a diverse client base, including high-net-worth individuals, family offices, charitable organizations, and institutional investors, offering investment management, financial planning, and family office services. The firm employs an integrated wealth-management approach with a focus on tactical option strategies and manages approximately $42.5 billion in regulatory assets.

Eric Keith is a financial advisor with Guardian Life and holds the Series 66 designation. He has one year of industry experience, including his current role at Park Avenue Securities since 2025. Prior to his financial services career, he worked at Texas Roadhouse for seven years. Keith also acts as an independent contractor offering insurance products other than Guardian. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored client solutions through advisor-led discretionary management, model-based strategies, and access to proprietary and third-party platforms.

Bradley Barker is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked with multiple organizations including Managed Wealth Financial and WealthWave, and serves as president of Huntington Estates Water, overseeing neighborhood irrigation scheduling. Barker also provides social security analysis through the National Association of Registered Social Security Analysts. Transamerica Financial Advisors serves a broad client base including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers to deliver investment advisory, brokerage, and retirement-plan services through multiple program platforms.

Kai Granados is an advisor with Empower Advisory Group holding Series 66 and Series 63 designations. He has less than one year of industry experience and previously worked at Morgan Stanley before joining Empower Advisory Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and savings rates within an administrative platform tied to Empower’s recordkeeping systems.

Robert Sandberg is a CFP®-certified financial advisor with 28 years of industry experience. He is currently with Osaic Advisory Services, LLC, having joined in 2024 following prior roles at Arbor Point Advisors, Verus Capital Partners, and Securities America. Outside of his advisory work, Sandberg is president and owner of Freedom Point Financial, a firm providing marketing and business consulting services to insurance agents and registered representatives. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a broad client base that includes individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers diversified investment programs, retirement plan consulting, and access to alternative investments and donor-advised funds, combining institutional resources with platform integrations and a range of investment strategies.