Nathan Hess is the Vice President and Executive Planning Consultant at Fidelity Investments, where he has been employed since 1998. In his current role, he guides clients in developing comprehensive approaches to their financial futures, helping them assess and address financial challenges in alignment with their objectives. Nathan has extensive experience within Fidelity Investments, having held positions including Workplace Planning & Guidance Consultant, Branch Regional Consultant, Senior Retirement Counselor, PSSG Team Manager for the Tax Exempt Market, and PSSG Team Lead - Service Specialist. He holds a California Insurance License. Outside of his professional work, Nathan's personal interests include gardening, golf, music, snowboarding, and volunteering.

Ted Karren is a financial advisor with Edward Jones in Smithfield, UT, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Nelson is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His prior work includes 12 years at Fidelity Investments. He is also an owner of BMN Investments, LLC, a business focused on expense management. Cetera Investment Advisers LLC distributes services through a nationwide network of independent advisors, serving individual and institutional clients with a range of portfolio management and retirement services. The firm operates a multi-manager platform offering various investment strategies and oversight across multiple program structures and custodial relationships.

Mark Lyons is a financial advisor at Cetera with 22 years of industry experience and holds a Series 66 designation. He has operated his own firm, Mark R. Lyons, Inc., since 2013 and has also been affiliated with Cetera Advisors LLC since that time. Lyons is also involved as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program options and affiliated and third-party managers.

Nathan Blotter is a CFP®-designated financial advisor at LPL Financial with 23 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory role, he operates Nate Blotter & Associates, LLC, a tax preparation and accounting service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a network of more than 22,800 advisors.

Brady Murray is a CFP® professional with 20 years of industry experience, currently affiliated with MassMutual Investors Services since 2013. He serves as a national advisory board member for the Huntsman School of Business and is the founder of a nonprofit focused on supporting individuals with Down syndrome. Additionally, he is involved in multiple business ventures including disability consulting and content creation for families with disabled loved ones. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative financial planning engagements using firm-approved analytical tools to guide clients toward investment strategies without discretionary authority.

John Forsgren is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Outside of his advisory role, Forsgren serves on the Cornish Town Council and is a board member of the Mountain Valley Ranch Horse Association. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides a range of portfolio management options and access to both proprietary and third-party investment strategies.

Clayton Mc Murdie is a financial advisor at Edward Jones with 16 years of industry experience and holds a Series 66 designation. He has been with Edward Jones since 2009. Outside of his advisory role, he tests fitness equipment for Icon Health and Fitness in Logan, UT. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operates under a fiduciary standard, and maintains a large nationwide network of advisors and branch offices.

Jarin Murray is a financial advisor with Primerica Advisors in Logan, Utah, holding Series 63 and Series 65 credentials and 18 years of industry experience. His work history includes roles at PFS Investments, Inc., Primerica Financial Services, and involvement in construction and flooring businesses. Outside of finance, he owns Inspire and Create Gifts and works as a draw inspector for NW Monitoring. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed account options within a wrap-fee structure.

Shawn Roghaar is a financial advisor at Fidelity with 17 years of industry experience. He holds a Series 66 designation and has worked with Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. Outside of his advisory work, Roghaar serves as a guide at the Bear River Gun Club, a privately owned hunting club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Brad Hess is a CFP® with 26 years of industry experience, currently serving as a financial advisor at LPL Financial since 2011. Prior to joining LPL, he worked at Investment Advisors International, Inc. from 2008 to 2011 and has been involved with Hess Industries Inc. since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors utilizing various strategies and platforms.

Michael Carmichael is a financial advisor with LPL Financial in Logan, UT, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior roles include positions at OSAIC, Sagepoint Financial, Inc., Voya Financial Advisors, and operating Carmichael Financial, LLC since 2000. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

James Macfarlane is a financial advisor at Morgan Stanley with 15 years of industry experience. His work history includes positions at Goldman Sachs, Certeza Asset Management, and Morgan Stanley Private Bank. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved as a partner in two real estate-related businesses based in Providence, Utah. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and offers its services through both direct client relationships and corporate financial planning agreements.

Zachary Arnell is a financial advisor at Edward Jones in Providence, UT, holding the Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked in various roles including positions at White Knight Pest Control and Bear Lake Landscape, and spent several years at Utah State University and the Church of Jesus Christ of Latter-Day Saints. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a broad range of advisory programs and investment solutions with over $1 trillion in assets under management.

David Zook is a Series 66-licensed advisor with Edward Jones in Logan, UT, bringing one year of industry experience. Before joining Edward Jones in 2025, he held roles at Measure, LLC and served in municipal positions with Cache County Corporation and Nibley City Corporation. Edward Jones is a full-service wealth management firm that serves a broad client base including individual and institutional investors, offering a range of advisory programs and affiliated investment products supported by a large network of financial advisors and branch offices.

Jan Lofthouse is a financial advisor with Raymond James Financial Services Advisors, Inc. in Logan, Utah, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining Raymond James in 2025, Jan worked for 16 years at D.A. Davidson & Co. Outside of advisory work, Jan is an associate at Holbrook Wealth Strategies, providing support to a financial advisor in a non-investment role. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm employs a non-discretionary, client-tailored approach using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jeremy Day is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. His prior work includes positions at Eye Care of Rigby, Turfco, and The Eye Institute of Wyoming. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Sterling Widmer is a CFP® professional with 20 years of experience, currently affiliated with MassMutual Investors Services in North Logan, UT. He has served at MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Widmer is also the owner of Atlas Wealth Management, a business involved in the sales of new financial products and servicing of existing contracts. MassMutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships using firm-approved analytical tools and offers a range of investment programs and educational seminars.

John Mcfarland is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2018. His prior experience includes roles at Waddell & Reed, Inc. and various insurance carriers, as well as involvement with the Cub Scouts, Boy Scouts of America. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Adam Andersen is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and has worked previously at Cytiva, DKS LLC, and Integra Financial Services. Outside of advising, he owns a retail e-commerce business specializing in home goods. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.