Summit Ridge Advisors is an independent, fee-only Registered Investment Advisor (RIA) based in Mapleton, Utah. As a fee-only, fiduciary firm, no commissions or product-based compensation are ever earned — eliminating conflicts of interest to stay focused entirely on your financial goals. Taking a personalized, goals-first approach to financial planning, Summit Ridge Advisors puts you at the center of every decision. Whether you're planning for retirement, managing investments, or building a lasting legacy, your CFP® professional serves as your dedicated financial guide every step of the way — built on trust, clarity, and long-term relationships.

Tanner Withers is a financial advisor with Albility Planning in Mapleton, UT, holding a Series 66 designation and eight years of industry experience. His career includes roles at Edward Jones, MassMutual Life Insurance Company, and other financial services firms. Outside of advisory work, he serves on the Utah Rare Disease Advisory Council and is involved with the Utah Parent Center. He is also CFO and LLC member of Florence Beauty Company, a permanent makeup cosmetics business. Albility Planning provides financial planning and portfolio management primarily for individuals and families, with specialized programs for households including members with special needs. The firm employs passive, asset-class-based investment strategies and offers services ranging from comprehensive planning and investment management to special-needs group coaching and public seminars.

Clark Drishinski is a financial advisor at Fenway Financial, LLC, an independent, state-registered firm based in Payson, UT. He holds Series 63 and 65 licenses and has 14 years of industry experience with prior roles at Cashew Financial, Indus Valley Partners, Keeler Thomas Management, and Sagepoint Financial. In addition to his advisory work, he is also licensed as an insurance agent. Fenway Financial provides hourly financial planning and consulting services to individuals and high-net-worth clients without directly managing assets. The firm refers clients to a third-party manager for investment management and focuses on comprehensive financial planning topics, including retirement strategies, risk management, and tax reduction.

Stephanie Bailey is a CFP® and holds a Series 65 license, with five years of experience in financial advising. She has worked at Mercer Global Advisors since 2026 and previously spent six years with NorthAvenue, LLC. Her background also includes roles at educational institutions and in nonprofit settings. NorthAvenue LLC serves individual investors and trusts, including high-net-worth clients, offering comprehensive financial planning and investment management through both inclusive and shorter-term engagements. The firm employs a fiduciary approach, utilizing a combination of fundamental and behavioral analysis within an asset-allocation framework based on Modern Portfolio Theory.

Ewan Morkel is a financial advisor at Fiduciary Organization, LLC with one year of industry experience. He holds a Series 65 designation and previously worked in secondary education and at Utah Valley University. In addition to his advisory role, Morkel is the founder and chief tax advisor of Morkel Financial, a tax preparation and planning business. Fiduciary Organization, LLC is a fee-only registered investment adviser serving individuals, retirement plans, charitable organizations, and businesses. The firm provides tailored investment management and financial planning, utilizing a combination of passive and active strategies and offering socially responsible investment options.

Hyrum Smith is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Livet Wealth, LLC. He has previously worked at Blue Barn Wealth, LLC, and operates his own advisory firm, Hyrum L Smith, LLC. Livet Wealth provides financial planning and portfolio management services to individuals, trusts, estates, and retirement plans, employing Modern Portfolio Theory and a tiered service model to tailor offerings to client needs. The firm manages accounts on a discretionary basis and features a multi-adviser structure, with approximately $335 million in assets under management across three advisors.

Quincey Hansen is a financial advisor at Livet Wealth, LLC with a Series 65 designation and one year of industry experience. Prior to joining Livet Wealth, Hansen worked at Blue Barn Wealth, LLC and has a background that includes a lengthy tenure at Smash Dance Academy. Livet Wealth serves individuals, trusts, estates, and retirement plans, combining financial planning and portfolio management through tiered service levels. The firm uses Modern Portfolio Theory and offers discretionary account management, sub-advisory arrangements, and access to alternative investments within its Flagship program.

Wyatt Livingston is a CFP® and holds a Series 65 license, with one year of experience in the financial industry. He is currently an advisor at Livet Wealth, LLC and previously held roles at Blue Barn Wealth, LLC and other firms. Outside of advising, he manages a rental business as a sole proprietor. Livet Wealth provides financial planning and portfolio management services to individuals, trusts, estates, and retirement plans. The firm employs a Modern Portfolio Theory investment approach and offers tiered wealth management services tailored to client needs, including access to alternative investments through its Flagship program.

Tanner Manning is a CFP® with two years of industry experience, currently serving as a financial advisor at Searcy Financial Services, Inc. He has worked at both Searcy Financial Services and its subsidiary, Allos Investment Advisors, LLC. Outside of his advisory role, he operates a concrete pumping business and is involved in training employees. Searcy Financial Services, Inc. provides integrated wealth management services—including financial planning, investment management, and retirement plan consulting—to individuals, retirement plans, corporations, and foundations. The firm manages approximately $514 million in discretionary assets and offers risk-based, diversified investment strategies primarily using exchange-traded funds, individual equities, and bonds.

John Houck is a financial advisor with Promontory Financial Planning, LLC, holding the ChFC® and Series 63 designations and bringing 53 years of industry experience. He previously worked at VOYA Financial Advisors before joining Promontory in 2017. Outside of financial advising, Houck is an independent insurance agent and has experience teaching various academic subjects, including math, English, history, and science. Promontory Financial Planning serves individual clients, trusts, small businesses, and nonprofit organizations with comprehensive financial planning, discretionary asset management, and targeted consultation services. The firm emphasizes a team-based approach and integrates insurance and accounting services alongside investment management.

Jolyn Whittaker is a Series 65-licensed financial advisor at Trek Financial with eight years of industry experience. She has served at Trek Financial since 2018 and holds additional roles as CFO and Treasurer at Discount Manufacturing & Distributing Inc. and Kids Village Workshop Inc., both non-investment-related businesses. She is also a CPA who prepares business and individual tax returns during tax season. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, providing discretionary and non-discretionary asset management, financial planning, and retirement-plan fiduciary services. The firm employs a blend of strategic and tactical portfolio construction, incorporating AI tools under governance and offering a broad range of systematic strategies, alternative investments, and specialized hedging techniques.

Barry Magaoay is a financial advisor with Regal Investment Advisors LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes long tenures at Lee Financial Recordkeeping, Inc., Lee Financial Securities, Inc., and Lee Financial Group Hawaii, Inc., before joining Regulus Financial Group and Regal Investment Advisors in 2021. Regal Investment Advisors LLC provides discretionary investment management services to independent adviser representatives and other registered advisers, serving a range of clients including individuals, charitable organizations, and businesses. The firm offers a variety of proprietary and third-party model portfolios, allowing advisers to select allocations for clients while granting Regal discretionary authority to implement and rebalance strategies.

Tyler Whittaker is a financial advisor at Trek Financial with three years of industry experience. His prior roles include positions at First Citizens Investor Services, SVB Wealth LLC, StoneX Group Inc., and Goldman Sachs. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, offering discretionary and non-discretionary asset management, financial planning, and retirement-plan fiduciary services. The firm combines strategic and tactical portfolio approaches, incorporating AI tools under governance and human review, and provides a diverse range of model strategies, alternative investments, and hedging techniques.

Jordan Floyd is a financial advisor at Trek Financial with six years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Strategic Advisers, LLC, Fidelity Investments, and Summit Group Wealth Advisors, among others. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, offering discretionary and non-discretionary asset management, financial planning, and retirement-plan fiduciary and non-fiduciary services. The firm employs a mix of strategic and tactical portfolio construction methods, integrates artificial-intelligence tools under human review, and provides a wide range of model and alternative investment strategies.

Melissa Campbell is a financial advisor at Principal Advised Services with a Series 66 designation and one year of industry experience. Her prior work history includes roles at Principal Life Insurance Company, Principal Bank, Merrick Bank, DST, Schneider National, and Discover Financial Services. Principal Advised Services provides investment advice and related services primarily to retirement plan participants and retail IRA clients, offering both non-discretionary recommendations and a discretionary, wrap-fee investment management program called SimpleInvest. The firm combines third-party methodologies with proprietary models and operates as part of the Principal Financial Group, enabling access to affiliated products and integrated services.

Clayton Johnson is a CFP® and holds a Series 65 license with 10 years of industry experience. He has worked at Savvy since 2026 and previously held roles at Aerodigm Wealth, Delap Wealth Advisory, Squire Wealth Advisors, Squire & Company, PC, and DBK Financial Counsel. Savvy provides investment and financial planning services to individuals, trusts and estates, businesses, ERISA plan sponsors, and charitable organizations. The firm uses a primarily index-based, long-term approach combined with active equity portfolios and tax-aware direct indexing, integrating technology platforms and third-party sub-advisers to deliver customized investment solutions.

Nathan Allred is a Series 65-licensed financial advisor with four years of industry experience. He currently works at Encompass More Asset Management LLC and previously held roles at Bristlecone Wealth, Crypto Consulting LLC, Proform Trading (Apiary Fund), and NMA Investments. In addition to his advisory work, he teaches a securities trading course for Trader On The Street, LLC. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily for individual and high-net-worth clients. The firm employs a model-based approach utilizing proprietary and third-party sub-advisers, with investment options spanning equities, fixed income, mutual funds, ETFs, private placements, and digital-asset related exposures.

Todd Cloward is an investment advisor with Encompass More Asset Management LLC, holding Series 63 and Series 65 credentials and having 27 years of industry experience. He previously worked at Transamerica Financial Advisors, Inc. for over a decade before joining Encompass More in 2023. Outside of investment advisory, he owns and operates an insurance benefits agency focused on fixed insurance products for employee groups. Encompass More Asset Management LLC provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs model-based strategies that integrate proprietary and third-party sub-advisers, offering a range of investment options including equities, fixed income, mutual funds, ETFs, private placements, and digital-asset exposures.

Mark Whittaker is a financial advisor at Trek Financial with 23 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Whittaker has worked at several firms, including Eide Bailly LLP, where he remains a partner in tax preparation and accounting services. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, offering discretionary and non-discretionary asset management, financial planning, and fiduciary services. The firm employs a blend of strategic and tactical investment approaches, integrating AI tools and a wide range of model and alternative strategies.

Robert Hamm is a financial advisor with Strategic Blueprint, LLC who holds the Series 66 designation and has 10 years of industry experience. He has worked at Clarity Financial Advisors and Triad Advisors, Inc., among others. Hamm also provides retirement education to NEA members in multiple school districts as part of his work with Clarity Financial Advisors. Strategic Blueprint, LLC is an SEC-registered investment adviser serving individuals, pension plans, trusts, charitable organizations, and businesses. The firm offers customized, goal-based strategies through portfolio management, financial planning, retirement plan consulting, and educational programs, including a distinctive annual flat-fee subscription advisory service.

Tyler Johnson is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Johnson Carpenter Wealth Management and Principal Financial Services. He holds a Series 66 license and has been involved with Principal Securities INC and Principal Life Insurance Company since 2014. Outside of his advisory roles, he is a partner at Johnson Carpenter Wealth Management, a legal partnership based in Modesto, CA. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Britney Carpenter is a CFP®-certified financial advisor with seven years of experience, currently practicing at Principal Financial Services. She is a partner at Johnson Carpenter Wealth Management and holds a Series 66 license. Her prior work includes roles at Principal Securities Incorporated, Principal Life Insurance Company, and Vicky Johnson. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jay Wirig is a PFS™ credentialed advisor at Focus Partners Wealth, LLC with 26 years of industry experience. His prior roles include positions at Buckingham Strategic Wealth, LLC, Jnjp Certified Public Accountants, Inc., and Capital Performance Advisors LLP. He has also worked at Thomas, Wirig, Doll & Company, CPAs, where he was employed for 37 years. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a variety of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies within an enhanced open architecture framework.

Richard Turner is a financial advisor at Empower Advisory Group with seven years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and operated a proprietary business. Outside of his advisory role, he is a member of a family-run dog breeding business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan-specific investment lineups.

Carl Barton is a CFP®-certified financial advisor with 32 years of industry experience. He is currently with Creative Planning, LLC, having joined the firm in 2022. His prior experience includes nearly three decades at Fidelity, where he held roles at both Fidelity Brokerage Services, Inc. and Fidelity Personal and Workplace Advisors. Outside of his advisory work, he is the owner of Jami Holding Company, LLC, a business involved in real estate purchases and rentals. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach with emphasis on low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Kevin O'Day is a CFP® professional with 43 years of experience in the financial services industry. He is affiliated with SPC and Parkland Securities, LLC, and has worked with LTCI Strategic Partners, LLC since 2010. His other business activities include offering long-term care and life insurance services through LTCI Strategic Partners. SPC serves a diverse client base that includes high-net-worth individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm provides portfolio management, financial planning, and a variety of ERISA-related retirement plan services, employing both discretionary and nondiscretionary management strategies.

Ryder White is a financial advisor at Empower Advisory Group with Series 66 and Series 63 licenses. He has recent experience at NYLIFE Securities LLC and New York Life Insurance Company, and has served in the Utah Army National Guard since 2016. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage account holders. The firm’s integrated model connects financial planning and managed account solutions with Empower’s recordkeeping and administrative platforms.

Tyler Bryson is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been associated with Fidelity Brokerage Services LLC since 2015 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, with a focus on discretionary and non-discretionary portfolio management. The firm utilizes proprietary research combined with quantitative and algorithmic methods to construct model portfolios from mutual funds, ETFs, and ETPs, and maintains oversight controls and governance procedures for the funds it advises.

Brent Larsen is a CFP® professional with 36 years of industry experience. He has worked with Avantax Advisory Services and Avantax Investment Services, Inc. prior to joining Cetera in 2025. Outside of financial advising, he is involved in tax preparation and accounting through his roles as partner and president at Associated Professional Advisors entities in California. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party money managers across various program structures.

Braden Graff is a financial advisor at Fidelity with a Series 66 credential and five years of industry experience. His prior roles include work with Squeeze Media and Utah Valley University, and he has been involved in content creation on YouTube as well as designing and advertising shirts for a small business called Graffic Gaming. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a broad client base, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Garrett Chesnut is a Certified Financial Planner (CFP®) with eight years of industry experience. He has worked at Edward Jones since 2016, with a brief tenure at Northwestern Mutual in 2017. Outside of his advisory role, he rents storage space in Santaquin, UT, as an additional source of income. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of financial needs. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Ford Poston is a financial advisor with UBS Financial Services in Mapleton, Utah, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, Poston is involved in property management as a partner in several real estate ventures. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary capital market assumptions and research.

Jeffery Taylor is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with various Fidelity entities since 2011. Strategic Advisers LLC, a Fidelity Investments company where he is affiliated, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Brian Cheney is a financial advisor with Wells Fargo Advisors, holding a Series 66 credential and 20 years of industry experience. He previously worked at Goldman, Sachs & Co for 15 years and Morgan Stanley for two years before joining Wells Fargo Advisors in 2021. Outside of his advisory role, Cheney serves as a soccer referee and teaches fundamentals of investing as an adjunct professor at the University of Nevada Reno. He is also an advisory member of the finance committee for The Miller Foundation, an organization focused on health. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Benjamin Workman is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and has worked at several firms including Goldman Sachs, LendingClub, and Collective Health. Outside of his advisory role, he manages rental properties, handling maintenance and rent collection. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services supported by a large nationwide network of advisors and branch offices.

Thomas Carlson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at several firms including Cetera Advisors LLC, Ameriprise, and Centaurus Financial, Inc. Carlson also acts in a fiduciary capacity for the Carlson Family Trust. 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 advisory and brokerage services, including financial planning, model portfolio programs, and third-party asset management, supported by a large network of investment adviser representatives.

Joshua Christensen is a Series 66 credentialed financial advisor at Fisher Investments with 20 years of industry experience. He has been with Fisher Investments since 2010. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment approach combining quantitative and qualitative analysis and offers a range of services including sub-advisory and retirement plan management.

Jeffrey Nielson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His career includes roles at Morgan Stanley and Wells Fargo Clearing Services before joining Raymond James. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides non-discretionary advisory services tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Cameron Hardy is a Series 66 licensed financial advisor with UBS Financial Services in Mapleton, Utah, where he has worked since 2015. He has 12 years of industry experience. Outside of his advisory role, he is involved in real estate partnerships and property management in Washington. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to support tailored investment strategies.

Matthew Hutchinson is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and two years of industry experience. He has been with Fidelity and its affiliated Strategic Advisers LLC since 2023. Prior to his advisory role, his background includes work in education and various other industries. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Michael Mendenhall is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019, following six years at Rock Canyon Bank. In addition to his advisory role, Mendenhall serves as the mayor of Spanish Fork, Utah, where he chairs city council meetings and participates in local government activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm offers a wide range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Tyler Mendenhall is a financial advisor at Edward Jones in Spanish Fork, UT, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Central Bank and Rock Canyon Bank, where he worked for a total of seven years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

William Wilde is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Cetera Advisors LLC since 2013. Outside of his advisory role, he presents seminars aimed at educating clients and the public on financial topics. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Tyler Romney is a financial advisor at LPL Financial with eight years of industry experience. He holds the CFP® and Series 66 designations and has been with LPL Financial since 2017. In addition to his advisory role, he serves as an associate wealth advisor at Mountain America Credit Union and works as an entertainment supervisor at Open Air Entertainment Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various financial planning and portfolio management solutions and supports its advisors with platforms that include model portfolios, third-party asset management, and institutional programs.

Kyle Petersen is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he partners with clients to help them maximize their Fidelity benefits and financial opportunities, with a focus on integrating workplace benefits into their overall financial strategies and identifying planning opportunities. Kyle has held several positions within Fidelity Investments since 2022, including Investment Solutions Representative at various levels and High Net Worth Associate. He holds insurance licenses in Arkansas and California, supporting his work in financial planning and benefits consulting. Outside of his professional duties, Kyle has interests in baseball, comedy, football, and golf.

Kameron Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing five years of industry experience. His career includes roles at Morgan Stanley, E*TRADE Securities, and Mountain America Credit Union. Outside of finance, he spent a decade with Kamco Lawns, demonstrating experience in a non-financial business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research tools and a large network of investment adviser representatives.