Devin Bebout is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His career includes multiple roles within JPMorgan Chase Bank, N.A. and Fidelity Brokerage Services LLC. 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 through a combination of advisory and brokerage capabilities.

Patrick Floyd is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves multiple registered investment companies and delivers model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Brian Lifferth is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with LPL Financial and has previously worked at Matthew Sweeney, Gardner Brown, Paceline Properties, and Northwestern Mutual Investment Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Morgan Lindsay is a CFP® professional at Charles Schwab with eight years of industry experience. Prior to joining Charles Schwab in 2023, Lindsay worked for six years at Signal Wealth Advisors and was involved with Sleekfitness from 2014 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management solutions, combining multi-asset model portfolios with centralized custody and operational support.

Jennifer Sisson is a financial advisor at Merrill with Series 66 and Series 63 designations and one year of industry experience. She has held roles at Bank of America, Fidelity Investments, and The American College, and previously worked for Aspen and Pike Business Services for six years. 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, and institutions.

Troy Henderson is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been associated with various Fidelity entities since 2007, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and serves in advisory roles uncommon among large institutional peers.

Caleb Mc Farland is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and previously worked at CUSO Financial Services, LP and Powerhouse Floor Removal. Outside of his advisory role, he has managed a small-scale real estate rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with access to diversified model portfolios and research.

Michael Sutherland is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with LPL Financial since 2003. Outside of his advisory role, he is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and advanced technologies to provide both discretionary and non-discretionary management.

Rory Peterson is a CFP® professional affiliated with LPL Financial, with 21 years of experience in the financial services industry. His prior experience includes 19 years at Ameriprise Financial Services, both LLC and Inc. He also owns and manages Rory Peterson & Company LLC, which he uses for business expense management. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research, employing both discretionary and non-discretionary management strategies.

Alan Anderson is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 20 years of industry experience. He has worked with various Fidelity entities, including Fidelity Brokerage Services LLC since 2010 and Fidelity Personal and Workplace Advisors since 2018. Fidelity's Strategic Advisers LLC, where he is currently affiliated, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and maintains regulatory registrations uncommon among large institutional firms.

Marvin Ellis is a ChFC® credentialed financial advisor with Raymond James Financial in Bountiful, Utah, bringing 22 years of industry experience. He has held roles at multiple firms including NuVista Wealth, Strategic Risk Alternatives, and Wasatch Wealth. Ellis also serves as a broker for Allegis Advisor Group and Insurance Exchange of Utah, focusing on term life and group health insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm employs non-discretionary planning tailored to client goals using risk profiling and analytical tools, and supports its extensive advisor network with advisory programs and institutional consulting.

Rita Heagren is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and 13 years of industry experience. Her career includes roles at Osher and PFS Investments Inc., alongside a long tenure with Primerica Financial Services and extensive experience in the Granite School District. Outside of finance, she owns DK Creatives, LLC, a photography and woodworking business, and RGH Bookkeeping. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Mark Faler is a financial advisor at LPL Financial with 41 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2003. Outside of his advisory role, he is involved in outside sales of non-variable insurance and operates a business focused on wealth management and estate planning under the name Keystone Wealth Management & Estate Planning. He also serves as a notary public in Bountiful, Utah. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by research and technology-driven tools.

Michael Mason is a financial advisor with OSAIC who holds the Series 63 and Series 66 designations and has 28 years of industry experience. He previously worked at Woodbury Financial Services, Inc. and Questar Asset Management, among other firms. Mason is also the owner of Summit Capital Services L.C., where he is involved in fixed and indexed universal life insurance sales as well as disability, health, and fixed annuities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary management across multiple investment vehicles.

Austin Huntsman is a financial advisor with J.P. Morgan Securities in Bountiful, Utah. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Huntsman has been with J.P. Morgan Securities and its affiliated 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Michael Mindes is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2021. Prior to joining Baird, he held positions at Amazon and owned Tasty Minstrel Games, where he was involved in business strategy. He also owns Talisman Pedals and has authored work unrelated to investments. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a diverse client base including individuals, families, pensions, and institutional clients. The group offers tailored financial planning and portfolio management services using a combination of in-house and third-party managers, covering traditional and complex investment strategies.

Scott Hunter is a financial advisor at Raymond James & Associates with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Merrill and Morgan Stanley. Hunter is based in Farmington, Utah. Raymond James & Associates manages approximately $501 billion in assets and serves a diverse client base including individuals, institutions, and municipalities. The firm provides tailored financial planning and consulting services through non-discretionary frameworks, supported by comprehensive research and a variety of portfolio management styles.

William Ostler is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63, 65, and 66 designations and has worked with Cetera and its related entities since 2013. He is also involved in related financial services businesses, including ownership of a financial planning practice used for marketing purposes. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning options and supports a large network of over 10,000 advisors managing more than $256 billion in assets.

Joseph Munier is a financial advisor with Charles Schwab in North Salt Lake, UT, holding a Series 66 designation and 22 years of industry experience. His prior work history includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Munier also has involvement in managing residential rental properties in Las Vegas. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management solutions. The firm combines advisory, brokerage, custody, and cash-sweep services with a multi-asset model portfolio approach and centralized operational support.

Wayne Baker is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 26 years of industry experience. He has been associated with various divisions of Fidelity since 1999. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is also noted for its commodity pool operator registration, advisory roles to multiple registered investment companies, and the use of AI-driven research methods.