Justin Ricks is a financial advisor with Mass Mutual Investors Services in Lehi, Utah, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with MML Investors Services, Inc. and Mass Mutual Life Insurance Company since 2003. Outside of his advisory role, Ricks works as an online adjunct classroom facilitator for Columbia University and Southern New Hampshire University and provides disability consulting services to families with disabled loved ones. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, utilizing firm-approved analytical tools and offering educational seminars.

Neal Johnson is a financial advisor with Raymond James Financial in Draper, UT, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1998 and also operates Jias Investments, LLC. Outside of his advisory work, he is a partner in Bison Investment Properties, LLC, where he is involved in acquiring and financing rental real estate. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique affiliation, alongside specialized retirement plan consulting and technology-driven investment modeling.

Shane Dayton is a financial advisor with LPL Enterprise in South Jordan, UT, holding a CFP® designation and Series 63 and 66 licenses. He has 20 years of industry experience, including prior roles at The Prudential Insurance Company of America, Allstate Insurance Company, Morgan Stanley, and Fidelity Investments. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through its integrated platform.

Darren Walker is a financial advisor with Cambridge Investment Research Advisors in Provo, UT, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. He previously worked at Commonwealth Financial Network and Merrill Financial Associates before joining Cambridge in 2022. Outside of his advisory role, he is also commissioned as a notary. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, with a variety of portfolio management and model-based solutions tailored to client needs.

Ashley Russell is a Financial Consultant at Fidelity Investments, where she has been working since 2018. She has held various roles within Fidelity, including Investment Consultant, Planning Consultant, Relationship Manager, Workplace Planning Consultant, and Client Relationship Advocate. Her professional experience spans multiple areas within financial consulting, enabling her to partner with clients in creating tailored financial plans that address their unique situations. Ashley emphasizes building strong, trusting relationships to support individuals and families in their pursuit of financial success. Ashley is a Certified Financial Planner (CFP®).

Michael Christiansen is a financial advisor at J.P. Morgan Securities in Draper, Utah, holding a Series 66 credential with two years of industry experience. His prior roles include positions at Cetera Investment Advisers LLC and Renaissance Financial. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that combine quantitative asset-allocation modeling with centralized due diligence. The firm delivers services on a non-discretionary basis through a select group of Wealth Advisors.

Christopher Green is a financial advisor with Merrill in Provo, UT, holding a Series 66 license and six years of industry experience. His prior roles include positions at Bank of America, Merrill, and Fidelity Investments. Outside of advising, he is involved in managing multiple real estate ventures, including rehabbing and operating rental properties. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Larry Kendrick Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he has part ownership in a restaurant business and is involved with a state-registered life insurance agency that provides fixed insurance products to clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Jeffrey Tolley is a CFP® professional with 11 years of industry experience, currently serving at Edward Jones since 2014. He holds Series 66 registration and is based in Provo, Utah. Outside of his advisory role, he is actively involved in leadership positions within the Church of Jesus Christ of Latter-Day Saints, including serving as a Bishop. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and supports its nationwide network of over 23,000 financial advisors with affiliated capabilities such as a trust company and proprietary mutual funds.

Monte Meier is a financial advisor with LPL Financial in Midway, UT, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2015 and has operated under his own business since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, with access to model portfolios, research, and various investment management options.

Lucille Lambert is a financial advisor at Edward Jones with six years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Jonathan Evans is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Sigma Financial Corporation and SPC, both from 2012. 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 both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Spencer Royce is a financial advisor at Edward Jones in Riverton, UT, holding a Series 66 designation with two years of industry experience. Prior to his current role, he worked at Squeeze Media and Aptive Environmental, and spent several years affiliated with Brigham Young University. 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 under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Christopher Palmer is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses and has a diverse work history including roles at The Church of Jesus Christ of Latter-day Saints, MyTireGuys, and American Fork High School. Outside of advising, Palmer works as a fiction author and provides notary services. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional investors, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios including multi-manager and fund-of-funds structures.

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.

Mana Angilau is a financial advisor with Osaic, holding CFP® and Series 66 credentials and five years of industry experience. She has been with Osaic since 2020 and also holds a role at Integrated Financial Group. Angilau has been involved in academia, working with Brigham Young University and Utah Valley University since 2015. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing advanced asset-allocation tools and third-party solutions to construct diversified portfolios for individual and high-net-worth investors, institutions, and charitable organizations.

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.