John Cox

Bob Bollinger is a CERTIFIED FINANCIAL PLANNER™ with 41 years of industry experience. He has been the principal of Bollinger Financial Advisory, Inc. since 1997 and has been associated with LPL Financial, LLC since 1994. Bollinger Financial Advisory, Inc. provides project-based financial planning and consulting services to individuals, including high net worth clients, as well as trusts and estates. The firm delivers advice at the fund or strategy level without managing client accounts or holding custody of assets, and engagements typically conclude with a written financial plan or consulting report rather than ongoing investment management.

Ray Smith Jr. is a financial advisor with TFB Advisors, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 41 years of industry experience and has been associated with Ameritas entities since 1974. He also owns and operates Ray Smith Wealth Management and Tax Favored Benefits, both established in 2016. Smith is a local affiliate member of NAIFA. TFB Advisors serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and pension and profit-sharing plans. The firm offers financial planning, discretionary portfolio and wealth management, and specialized retirement plan consulting, managing approximately $859.6 million in client assets across a multi-advisor team.

Garrett Morris is a financial advisor with Merit Financial Advisors, holding a Series 66 designation and four years of industry experience. He previously worked at LPL Financial and Exchange Bank and Trust Company. Outside of his advisory role, he serves as Music Director at Stillwater Bible Church. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by an Investment Committee, while offering customized portfolio management through various platforms.

Scott Williams is a financial advisor with Principal Financial Services in Layton, UT, holding a Series 66 designation and seven years of industry experience. He has worked at Teal Financial Services since 2019 and is also affiliated with Principal Life Insurance Company and Principal Securities INC since 2018. Williams serves in the United States Army Reserves and is a co-owner of Teal Medical Supply LLC, a company focused on obtaining government contracts for medical supplies specializing in hearing devices. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Sikander Lodhi is a financial advisor with Transamerica Financial Advisors. He holds Series 63 and Series 65 licenses and has experience in the financial industry since 2017, alongside prior service in the US Army from 2008 to 2017. Outside of advisory work, he manages a website related to My Federal Retirement and is involved with a debt consolidation software provider, United Financial Freedom. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and businesses, delivering services through a large network of advisors and multiple program platforms. The firm employs model portfolios and third-party managers for investment management and offers an integrated retirement plan ecosystem involving affiliated entities and proprietary as well as external model portfolios.

James Treat is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 21 years of industry experience. His work history includes roles at Netevia Platinum, Heartland, World Financial Group, Philadelphia American Life Insurance Company, and WealthWave. Outside of advisory duties, he refers small business owners to payroll and point of sale solutions and assists clients seeking health insurance alternatives. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, and charitable organizations. The firm employs a model portfolio approach executed primarily through third-party managers and platform providers, supported by a large network of advisors.