Eddie Snow is a CFP® with 27 years of industry experience, currently an advisor at Charles Schwab since 2022. His prior roles include positions at Royal Alliance, Signal Wealth Advisors, CWM, LLC, Cetera Advisor Networks, Rock House Financial, and United Planners' Financial Services. Outside of advisory work, he has operated as an independent insurance agent specializing in non-variable life insurance. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, employing multi-asset model portfolios and a centralized operational structure.

Earl Kerns is a financial advisor with Primerica Advisors in Bountiful, UT, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been associated with PFS Investments, Inc. since 2007 and with Primerica Financial Services since 1984. Outside of his advisory role, he has worked as a forester with the USDA Forest Service. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Darren Downs is a financial advisor with Cetera based in Farmington, UT, holding CFP® certification and securities licenses (Series 63, Series 66). He has 18 years of industry experience, including a 14-year tenure at R.K. Advisors and Kovack Securities. He is involved in several financial services entities, including ownership roles and partnership positions, and works as an insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, retirement, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and financial planning services, utilizing affiliated and third-party managers across various program structures and custodial relationships.

Austin Orr is a financial advisor with LPL Financial, holding the Series 66 credential and bringing five years of industry experience. His work history includes roles at Mountain America Credit Union and Progressive Planning, as well as teaching experience at Utah Valley University. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research.

Sidney Alvey is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His career includes roles at VOYA Financial Advisors and Your Financial Resource, Inc., where he serves as president. Alvey is also general manager of Distinctive Insurance Services, Inc., a fixed insurance products business. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

David Black is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2017, progressing through roles including Annuity Planning Consultant, Annuity Service Representative, Junior Business Analyst, and Financial Representative. His experience encompasses financial consulting and annuity services. David holds insurance licenses for Arkansas and California. Outside of his professional work, he engages in biking, family activities, fitness, football, and golf.

Ronald Hunt is a ChFC® credentialed financial advisor with 30 years of industry experience. He has worked at Northwestern Mutual in various capacities from 1996 until 2026 before joining LPL Financial in 2026. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by extensive research and technology solutions.

Braden Burns is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. His prior work includes roles at MarketStar and Wyndham Destinations, as well as time dedicated to full-time education at Weber State University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Royce Richards is a financial advisor at Raymond James Financial with 21 years of industry experience. He holds a Series 65 designation and has worked with Raymond James since 2005. In addition to his advisory role, Richards is the president of Richards Law Firm PC and serves as secretary of Acres Market Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm uses detailed risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals.

Neftali Hernandez is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Charles Schwab and TD Ameritrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term orientation and fiduciary management for retirement accounts.

David Taylor is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with various Fidelity entities since 2000. He is based in Salt Lake City, UT. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering systematic model portfolios and managing relationships with sub-advisers.

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.