I'm Ryan Hammett, founder of Kimberlite Financial Services, an independent, fee-based registered investment adviser in Layton, Utah, serving families across the Wasatch Front and Park City. Before founding Kimberlite, I partnered in a day trading practice — where I learned firsthand what it actually takes to make money in markets — then spent years inside the big houses at Fidelity Brokerage Services and E*TRADE from Morgan Stanley. That inside view showed me both how the industry works and where it falls short: clients are often shown only the in-house options, not every available avenue. Along the way I passed the FINRA Series 3, 7, 9, 10, 63, and 66 exams — covering commodities and futures, general securities, securities sales supervision, and state law for both securities agents and investment adviser representatives. I also hold Utah insurance licenses in life, health, and property & casualty. At Kimberlite, I bring traditional planning and digital assets under one roof. My view on crypto is measured: Bitcoin won't replace the dollar, and it isn't a scam — the right amount in the right portfolio, held with patience, can be a meaningful piece of a long-term plan. Every account is non-discretionary, which means you approve every trade. No surprises. I might be a fit if you want a real plan instead of a default one — whether that's crypto alongside a 401(k) or tax-efficient retirement withdrawals. I'm probably not, if you're looking for hot tips or someone to trade your account without you. Off the desk: married almost fifteen years, one thirteen-year-old daughter who is my whole world, and a garage full of boards — skate, snow, and wake, in season order. Independent | Fiduciary | Fee-Based

David Fjeldsted is the sole advisor at David Russell Fjeldsted, an independent firm based in Farmington, Utah. He holds the CFP® designation along with Series 63 and 65 licenses and has 32 years of industry experience. In addition to his advisory role, he is a licensed life insurance agent and real estate broker, actively managing multiple real estate holdings and dedicating a significant portion of his time to property management and development. The firm offers personalized financial planning and investment management services to individuals, plans, trusts, and small businesses, with an investment approach that combines strategic asset allocation using both passive and active funds and global diversification to manage market risk.

Brett Alexander is a financial advisor with Cash Flow Investment Services LLC in Ogden, UT. He holds a Series 65 designation and has 30 years of industry experience, all of which have been with his independent advisory firm since 1996. Cash Flow Investment Services is a state-registered solo advisory firm managing approximately $93.2 million for about 86 individual clients, including high-net-worth individuals. The firm offers discretionary portfolio management and limited financial planning, utilizing a blend of fundamental, technical, charting, and quantitative analysis with both long-term and shorter-term trading strategies.

Elliot Moses is the sole advisor at Sanguine Owl, LC in Ogden, Utah, holding Series 63 and Series 65 designations with 20 years of industry experience. He has managed Sanguine Owl since 2012 and also serves as CEO of Daco Enterprises, Inc., a manufacturing business. Additionally, he acts as trustee for family trusts and is involved in several related business ventures. Sanguine Owl primarily serves individual investors and also manages accounts for trusts, businesses, and retirement plans, overseeing approximately $1.8 million in discretionary assets. The firm combines fundamental and technical analysis with a buy-and-hold strategy, incorporating derivatives and tactical asset allocation adjustments to manage risk and generate income.

Navigating the intricate financial world is a challenge, especially for small business owners and medical professionals who are deeply immersed in their respective fields. That's where Garrett, a Certified Financial Planner™, comes into play. With a deep-rooted passion for financial clarity and a genuine understanding of the unique hurdles faced by entrepreneurs and healthcare providers, Garrett has dedicated their career to crafting bespoke financial strategies. Their approach is more than just number-crunching; it's about understanding individual stories, ambitions, and concerns. Offering a harmonious blend of industry expertise and personalized attention, Garrett is committed to transforming complex financial jargons into actionable insights, ensuring that every client feels confident and informed about their financial future.

James Harris is a financial advisor at Parkview Investments LLC in Hooper, Utah, holding a Series 65 designation with seven years of industry experience. He previously worked in the automotive industry at McFarland Ford and Westland Ford Hyundai. Parkview Investments provides non-discretionary portfolio management services primarily to individual investors and the Phil Smith and Family Foundation. The firm emphasizes a mix of passive fixed-income strategies and more active growth strategies, focusing on exchange-listed stocks, mutual funds, ETFs, stock options, and bonds.

Mark Monson is the principal and sole advisor at Monson Wealth Management LLC, an independent registered investment adviser. He holds Series 63 and Series 66 licenses and has 20 years of industry experience. Prior to founding his current firm, he worked at Commonwealth Financial Network and Raymond James Financial Services. In addition to his advisory role, he operates a part-time independent insurance agency focused on fixed insurance products. Monson Wealth Management LLC provides discretionary asset management to individuals, high-net-worth clients, and business entities, managing approximately $199 million in assets across ten client relationships. The firm employs a tailored investment approach using fundamental and technical analysis, with regular portfolio reviews and the option to engage sub-advisors.

Matthew Hoskins is a CFP® professional with 18 years of industry experience. He is the principal of Kinnect Advisor Group, L.L.C., an independent advisory firm in Kaysville, UT. His prior experience includes roles at Prestige Wealthwide, TownSquare Capital, and Allegis Investment Advisers. Outside of financial advising, Hoskins owns a social media consulting business called Financial Macros. Kinnect Advisor Group provides discretionary portfolio management and integrated financial and retirement planning to individuals, high-net-worth clients, and small businesses. The firm emphasizes strategic and active asset allocation based on Modern Portfolio Theory, supplemented by fundamental analysis and risk management, and offers periodic educational workshops at no additional charge.

Taylor Carlson is a financial advisor at Liberty Point Financial LLC with one year of industry experience. He previously worked at Edward Jones for two years and has a background that includes roles at The Corporation of the Church and Monson and Monson Roofing. Outside of advising, Carlson is involved in local community activities including co-owning a business that organizes scavenger hunts to promote outdoor activities in Utah and coaching freshman and sophomore football. Liberty Point Financial LLC provides discretionary investment and wealth management services to individuals, high-net-worth clients, trusts, and estates. The firm uses a long-term, fundamental approach to build diversified portfolios primarily composed of low-cost mutual funds and ETFs, while also offering financial planning and regular account reviews.

Christopher Janik is a financial advisor at Peak Horizons Capital with 20 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Transamerica Financial Advisors, Inc., Managed Wealth Financial, and Salt Creek Mortgage. Janik is also involved in non-investment activities including real estate sales, banking, credit, insurance sales, retail, and tax preparation through business entities he owns. Peak Horizons Capital manages approximately $12.1 million for about 58 clients, including individuals, trusts, charitable organizations, and business entities. The firm employs a trend-driven tactical asset management strategy that integrates technical and fundamental analysis and offers discretionary portfolio management through proprietary advisory strategies.

Christopher Watkins is the sole advisor at WMW Management, Inc. in Farmington, UT, holding Series 63 and Series 65 licenses with 33 years of industry experience. His prior work includes Focus Fund Advisors, LLC, and his own Watkins Financial Services, Inc. Outside of financial advisory, he is involved in the restaurant industry as sole owner and chairman of Watkins Restaurant Group and as a partner in C&M Hospitality. WMW Management provides investment advisory services primarily to individual clients, as well as trusts, estates, charitable organizations, corporations, and limited partnerships. The firm’s approach involves discretionary asset management using a proprietary model alongside a Portfolio Monitoring Program, focusing on anticipating major market cycles and holding positions generally for at least a year, with continuous portfolio monitoring.

David Hunter is a financial advisor at Century Funds Management Inc with six years of industry experience. He holds a Series 65 credential and has prior work experience at the University of Queensland and the University of Hawaii. Century Funds Management provides discretionary portfolio management for individuals, including high-net-worth clients, and institutional accounts such as pension plans and endowments. The firm emphasizes capital appreciation and current income while limiting equity market risk through fundamental analysis of company growth and dividends.

James Knight is a Series 65-licensed financial advisor with Family Wealth Advisors in Farmington, Utah, where he has worked since 2010. He has 14 years of industry experience. Outside of advisory work, Mr. Knight holds a 50% interest in East Meadows Homes, a company involved in managing a mobile home park and related real estate investments. Family Wealth Advisors serves individuals, trusts, estates, charitable organizations, and retirement plans, managing approximately $44.4 million in discretionary assets. The firm offers written financial planning and discretionary portfolio management using proprietary model portfolios, institutional managers, and integrates non-public pooled real estate investments through affiliated entities.

Jackson Lucero is a Series 65 licensed advisor at Miser Asset Management with one year of industry experience. He previously worked in real estate firms including Equity Real Estate, Caldwell Banker, and Berkshire Hathaway from 2013 to 2019. Outside of advisory work, he is the owner and CEO of Cedarway Capital LLC, a private equity firm focused on real estate investments. Miser Asset Management serves individuals, trusts, estates, and business entities through portfolio management and financial consulting. The firm employs a range of analytical methods and investment strategies, offering both discretionary and non-discretionary management along with additional services such as tax preparation and educational seminars.

Shannon Irwin is a financial advisor at Synergy FG with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Synergy FG since 2021, following a prior role at Ameriprise Financial Services from 2017 to 2020. Outside of his advisory work, Irwin serves in fiduciary capacities such as trustee or executor. Synergy Financial Group provides comprehensive financial planning and discretionary investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm uses a combination of technical and fundamental analysis along with model-based asset allocation across income, growth, and growth & income strategies tailored to client goals and risk tolerances.

Francis Cowan Jr. is a CFA charterholder with 22 years of industry experience, currently serving as an advisor at Century Funds Management Inc. He has worked with the firm since 1986, contributing over three decades of experience. Century Funds Management, Inc. offers discretionary investment management focused on diversified equity and balanced strategies for individuals, corporate pension plans, charitable institutions, and other entities. The firm emphasizes fundamental analysis in its investment decisions and manages portfolios individually under written client guidelines.

Lance Tempest is a financial advisor at Landmark Wealth Advisors, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Landmark Wealth Advisors since 2013. Outside of his advisory role, he provides bookkeeping services for families, including bank statement reconciliation and budgeting. Landmark Wealth Advisors serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities with tailored investment management and advisory services. The firm customizes investment programs based on client objectives and risk tolerance, using a variety of investment vehicles and ongoing portfolio monitoring.

Timothy Bangerter is a financial advisor with Landmark Wealth Advisors, LLC in Farmington, UT, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Purshe Kaplan Sterling Investments and Landmark Wealth Advisors since 2013. Outside of advisory work, he is involved in several family businesses, including a cleaning company and multiple holding companies. Landmark Wealth Advisors serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities by providing customized investment management, financial planning, and pension consulting. The firm offers both discretionary and non-discretionary services, tailoring investment programs to client objectives and risk tolerance while utilizing a broad range of investment vehicles.

Jeffrey Von Colln is a CFP® with 30 years of industry experience. He founded Von Colln Financial Group in 2016 and has been associated with LPL Financial since 2004. Outside of financial advising, he owns two bars in Ogden, Utah. Von Colln Financial Group provides discretionary, fee-based investment management and financial planning primarily to individual and high-net-worth clients, also serving corporate and retirement-plan clients. The firm follows a structured four-step planning process and offers tailored investment services through custodial accounts, access to institutional managers, and regular portfolio rebalancing. Additionally, the firm acts as both portfolio manager and sponsor of a wrap fee program and conducts client education seminars and workshops.

Lee Miles is a CFP® and ChFC® with 23 years of industry experience. He is the principal of Lee Miles LLC in Ogden, UT, and has been involved with Practice Management Inc. and Midland National Life since the early 1990s. Outside of his advisory work, he serves as president of Practice Management Inc., a management services corporation supporting his firm. Lee Miles LLC provides investment advice and planning primarily to individuals, as well as to trusts, estates, and small business entities. The firm employs an asset-allocation approach combining individual securities and ETFs, with active monitoring and discretionary or non-discretionary authority, and also offers insurance and annuity products through its affiliated insurance activities.