Carl Russell is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior work includes roles with Waddell & Reed, Inc., various insurance carriers, and community organizations such as the American Indian Services and BYU Alumni Association of St. George. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of financial planning, asset management, and institutional services. The firm offers diverse advisory solutions including model portfolios and third-party management, supported by proprietary research and operational tools.

Daniel Wyson is a CFP® with 26 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has previously worked at Commonwealth Financial Network and LPL Financial, and he is the CEO and owner of Wyson Financial. Wyson is also an author of financial books, including "21 Financial Myths," and a publisher of children's books through UleBwise Publishing. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its network with advisory programs and institutional portfolio management.

Mc Kay Harrison is a Series 66-licensed financial advisor with Cetera, based in Ivins, UT, with three years of industry experience. He has worked with Cetera and Cetera Wealth Services since 2022 and also operates Harrison Enterprises, focusing on Medicare insurance brokerage. His background includes a four-year period at Utah Tech University and two years of church service. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options and third-party managers, supporting both discretionary and non-discretionary account structures.

Mayra Femia Hetrick is a financial advisor at Charles Schwab with 25 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Smith Barney for 13 years. 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 a combination of non-discretionary and discretionary investment solutions supported by strategic asset allocation, alternative investment due diligence, and integrated custody and brokerage services.

Jennifer Higby is a financial advisor with Primerica Advisors in Cedar City, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has been associated with PFS Investments Inc. and Primerica Financial Services since 2007. Outside of advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Neil Ruda is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with both discretionary and non-discretionary options tailored to plan objectives and risk tolerances.

Eric Andra is a financial advisor with Charles Schwab in St. George, Utah, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation and periodic reviews.

Lydia Feild is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and five years of industry experience. She has been with Primerica Advisors since 2021 and Primerica Financial Services since 2020. Outside of finance, she has been involved in music education through Lydia Feild Music Lessons since 2017 and has worked with the Neil Simon Festival. 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 employs a tiered wrap-fee structure rather than fixed fees.

Stephen Skokos is a financial advisor with LPL Financial based in St. George, UT. He holds a Series 66 designation and has 14 years of industry experience, including his concurrent role at Mountain America Credit Union. He is also an insurance agent affiliated with Mountain America Insurance Services. 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 broad range of financial planning and investment solutions, leveraging both proprietary and third-party strategies, and supports its network of advisors with technology and operational resources.

David Harrison is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 21 years of industry experience. He has been associated with Cetera and Cetera Wealth Services since 2013 and has been self-employed since 2001. Outside of financial advising, Harrison is a practicing attorney specializing in estate planning, wills, and living trusts, and he is also a licensed insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, integrating affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Grant Carter III is a Series 66 licensed financial advisor with Edward Jones in St. George, Utah, where he has worked since 2001, totaling 25 years of industry experience. Outside of his advisory role, he is involved as a coach with the BYU Summer Basketball Camp and is a silent partner in a local restaurant business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 advisors.

Darin Frandsen is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 18 years of industry experience, including 14 years at Edward Jones prior to joining Raymond James in 2022. He also owns and operates a personal LLC for tax purposes and manages a branch DBA related to expense administration. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs in municipal finance and SIMPLE IRA Employer Advisory services.

Ray Mcdonald III is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Wells Fargo Bank for 14 years. Outside of his advisory role, he owns and operates Ray's Collectables, a business focused on buying, selling, and trading sports cards. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence. The firm applies an ESG eligibility framework when recommending strategies and delivers services on a non-discretionary basis.

Tim Swainston is a financial advisor with Primerica Advisors in St. George, UT, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1986 and associated with Primerica Financial Services since 1985. Outside of his advisory role, he serves as Secretary/Treasurer for Precinct WHT01 and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and limited separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation supported by BNY Mellon Advisors and trade execution through Pershing and Primerica Brokerage Services.

Justin Bandley is a Senior Resident Director and Wealth Management Advisor at Merrill Lynch, serving the St. George office since 1997. In his dual role, he focuses on building long-term relationships with clients, many of whom he has advised for over two decades. Justin works closely with retirees, business executives, and professionals to develop personalized financial strategies, emphasizing retirement income planning and actively managed investment portfolios aligned with clients’ unique goals. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Justin holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Pine View High School. He lives in St. George with his wife, Sonya, and they have three adult children. Outside of work, Justin is an endurance sports competitor who participates in multiple IRONMAN triathlons and running races annually.

William Ridd is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 registrations and has 43 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and municipalities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Jared Wyson is a CFP® and holds a Series 66 license with 12 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Commonwealth Financial Network for 12 years. He is also the owner of Wyson Capital Enterprises, LLC, a private investment entity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network across various advisory programs and institutional consulting services.

Michael Baker is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 65 designation and has one year of industry experience. His prior roles include positions at Commonwealth Financial Network and Wyson Financial. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs for municipal and public finance as well as SIMPLE IRA Employer Advisory services.

Scott Finch is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 65 and Series 63 credentials and seven years of industry experience. Prior to joining Raymond James in 2019, he was a partner at Woodbury, Mitchell & Finch LLC for seven years. Outside of his advisory role, he is involved in several business ventures including a partnership in an accounting firm and ownership of a management company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning supported by analytic tools and maintains unique services such as municipal advisory affiliations and plan-level SIMPLE IRA consulting.

Kevin Rorie is a CFP®-certified financial advisor with eight years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Voyager Wealth Advisors and Wells Fargo Bank. Outside of his advisory role, he serves on the Finance and Investment Committee of the Kayenta Arts Foundation, a nonprofit organization. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm provides tailored, non-discretionary investment consulting using analytical tools and supports municipal and public finance work through its municipal advisor affiliation.