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.

Michael Mysker is the sole advisor at Safe Bay Retirement Advisors and holds a Series 66 designation with 23 years of industry experience. He has led Safe Bay Retirement Advisors since 2011. Outside of his advisory role, he is involved in insurance sales. Safe Bay Retirement Advisors serves individual and high-net-worth clients, as well as some corporations and business entities, providing discretionary portfolio management and financial planning covering retirement, tax, college, estate, and business-continuity topics. The firm manages approximately $12 million in assets and employs a combination of fundamental, technical, charting, and cyclical analysis, including active short-term trading and options strategies.

Troy Knighton is a CFP®, PFS™, and Series 65-licensed advisor with 13 years of industry experience. He is the principal of Veritas Wealth Management, LLC, an independent firm based in Salt Lake City, UT, and has been a partner at Knighton, Erb & Company, LLC, an accounting firm, since 2012. Veritas Wealth Management serves individuals, trusts, charitable organizations, small businesses, and qualified retirement plans, providing discretionary portfolio management, financial planning, and employee benefit advisory services. The firm employs a long-term investment approach grounded in Modern Portfolio Theory, utilizing broadly diversified, primarily passive allocations with no-load mutual funds and ETFs.

Mark Quayle is the sole advisor at Quayle Asset Management, Inc. in Salt Lake City, UT, holding Series 63 and Series 65 designations with 31 years of industry experience. He has led Quayle Asset Management since its founding in 1995. The firm provides fee-based portfolio management and financial planning to individuals and a diverse range of institutional clients, including corporate pension plans, charitable institutions, and sovereign funds. Its investment approach uses an asset-class, multi-factor framework based on Fama–French dimensions, employing broadly diversified portfolios mainly through low-cost mutual funds and ETFs with regular rebalancing.

Hi, I’m Justin. I am the founder of Wealth Mode Financial Planning. My team and I have a primary focus in helping those with over $100,000 in federal student loans create a plan to minimize loan payments and save taxes – without sacrificing meaningful goals like buying a home, starting a family, or saving for retirement. Our clients with high student loan debt: – Usually 30-35 years old – Graduated in the last 5 years – $250,000 in average household student loans – $200,000 to $250,000 in annual household income – Want to buy a home and start a family within the next few years - Are or plan on being a business or practice owner in the future We'll help you examine all your options – 10-year standard plan, refinancing, the Income-Driven Repayment (IDR) plans like IBR/PAYE/SAVE, and Public Service Loan Forgiveness (PSLF). For married couples both working, you need to look at whether you should file your taxes Married Filing Separately. From there, we can identify how you can save the most money in paying off your loans while still saving enough money toward other goals. We’ll teach you everything you need to know about setting up the right investment portfolio for you, and which accounts you should be using. Then, we'll set you up with an easy-to-follow budget and cash flow system that will make it all happen. Last of all, let’s make sure you’re protected with the proper life insurance, disability insurance, and estate planning documents you need. Many of our student loan clients have a spouse/partner with equity compensation (ISO's, non-qualified stock options, RSU's, ESPP's, etc.), and we've become quite adept at strategic planning for that as well. We place a heavy emphasis on tax planning and prepare our clients' tax returns as well if they would like. Our clients include physicians, dentists, chiropractors, lawyers, and veterinarians - really, any high-student loan debt trade or profession. Our clients live across 25+ U.S. states in all four time zones, and some countries internationally. I love what I do, and how it helps my clients focus on enjoying their lives and careers instead of worrying about debt or money. _ _ Outside of work, I enjoy spending time with my wife and best friend AnnAlyse, our 4-year old daughter, and our newborn son (as of spring 2025). We love traveling, attending concerts and musicals, jigsaw puzzling, and anything else we can do with our kids.

Thomas Henderson is a financial advisor at Abacus Investment Advisors in Salt Lake City, UT, with 17 years of industry experience. He holds the Series 63 and Series 65 designations and has operated S R Henderson and Associates, Inc., an accounting and tax services firm, since 2008, where he assists with tax preparation and accounting. Abacus Investment Advisors is a fee-only registered investment adviser serving individuals, high-net-worth clients, and corporate pension or profit-sharing plans. The firm offers retirement and financial planning, discretionary investment management through model portfolios, and pension consulting, utilizing a mix of third-party research, fundamental and technical analysis, and continuous portfolio monitoring.

Troy Wilson is a CFP® professional with 42 years of industry experience, currently serving as the sole advisor at Wilson Wealth Management, Inc. in Salt Lake City, UT. Prior to founding his firm in 2008, he worked at Linsco/Private Ledger Corp for 28 years. In addition to his financial advisory role, Wilson operates a legal practice as a licensed attorney. Wilson Wealth Management, Inc. manages approximately $66 million for around 78 clients, primarily individual and high-net-worth households, along with some pension and profit-sharing plans. The firm provides tailored investment programs emphasizing long-term asset allocation and periodic rebalancing, offering both discretionary and non-discretionary portfolio management as well as financial planning and consulting services.

Joan Sharp is a CFP® and ChFC® with 22 years of industry experience, currently serving as the sole advisor at River Family Advisors LLC in Salt Lake City, UT. She previously worked at Glenayr Family Advisors LLC and has been president of Life Strategies, LLC since 2003, where she provides coaching to other life coaches. Joan also serves as an unpaid member of a family office committee managing a family property. River Family Advisors serves high-income individuals, professionals, business owners, and multi-generational families, focusing on financial life and transition planning, family wealth planning, and financial education. The firm uses a values- and vision-driven approach and facilitates third-party asset management relationships rather than providing discretionary portfolio management directly.

Matthew Ross is a CFA® charterholder and financial advisor with 10 years of industry experience. He is the sole advisor at Mill Creek Investment Management, where he has worked since 2014. In addition to his advisory role, Ross is involved in finance and accounting at Salt Lake Mattress & Mfg. Co., a mattress manufacturing business. Mill Creek Investment Management provides discretionary portfolio management and investment review services to individuals, institutional, and corporate clients. The firm uses a strategic asset allocation process documented in written Investment Policy Statements and employs a range of investment vehicles, including alternatives for qualified clients.

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.

Larry Oshita is a financial advisor with Lota Advisors LLC in Salt Lake City, UT, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Lota Advisors LLC since 2014. Lota Advisors LLC serves high-net-worth and qualified investors, as well as small businesses, offering customized discretionary portfolio management and hourly financial-planning reviews. The firm employs a quantitative and technical investment approach tailored to each client’s risk tolerance and target return, utilizing strategies that may include derivatives, short selling, and option techniques alongside liquid index ETFs.

Steven Altman is a financial advisor at SHA Advisory in Salt Lake City, UT, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Park Avenue Securities and Guardian Life Insurance Company. SHA Advisory provides financial planning and investment advice to individuals, families, trusts, and small business owners through a do-it-yourself consulting model focused on client education and self-directed brokerage accounts rather than portfolio management. The firm operates on an hourly or engagement fee basis and does not take custody of client assets.

Matt Johns is a CFP® with 12 years of industry experience, currently serving as the sole advisor at Black Bridge Advisors, LLC. His prior experience includes roles at Goldman Sachs and Fidelity Investments. Outside of finance, he owns Dance Impression, a private dance organization based in Farmington, UT. Black Bridge Advisors, LLC provides discretionary portfolio management and financial planning to individual and high-net-worth clients, utilizing proprietary risk-based ETF model portfolios and a broad range of investment options tailored to clients’ objectives and risk tolerance. The firm also sponsors a private debt fund through its affiliated entity, Black Bridge Partners, LLC, which focuses on direct real estate lending for accredited investors.

Matthew Hoskins is a CFP® professional with 15 years of industry experience, currently serving as the sole advisor at Kinnect Advisor Group, L.L.C. He has worked at several firms, including Prestige Wealthwide, LLC, TownSquare Capital, and Allegis Investment Advisers, LLC. Outside of his advisory role, he 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 supported by fundamental analysis and risk-management techniques and offers educational workshops at no additional charge.

John Shreck is the principal of JDS Investment Management in Salt Lake City, UT, with 12 years of experience as a financial advisor. He holds a Series 66 designation and also serves as president and tax preparer of JDS Financial Management PC, a tax planning and preparation firm. His background includes multiple limited partnership roles in family farm operations. JDS Investment Management is a single-advisor registered investment adviser serving a small client base primarily composed of high-net-worth individuals, trusts, and estates. The firm provides discretionary asset management and financial planning, utilizing a passive, long-term investment approach based on Modern Portfolio Theory with diversified, low-cost mutual funds and ETFs across multiple asset classes.

Matthew Neve is a financial advisor at Maximus Wealth Advisors with seven years of industry experience. He holds a Series 65 designation and has worked at Maximus Wealth Advisors since 2019, following a year at Strategic Planning Group. Outside of advising, he is the president and owner of Body Fit Wellness LLC, a non-investment-related business he has operated since 1991. Maximus Wealth Advisors is a single-advisor independent firm that provides portfolio management and financial planning to individuals, trusts, IRAs, 401(k) plans, and small businesses. The firm primarily uses passive investment strategies with index funds and ETFs, supplemented by various analytical methods, and offers an ongoing subscription-style planning service with regular reviews and implementation support.

John Freed is a CERTIFIED FINANCIAL PLANNER™ professional with 28 years of industry experience. He has been with A & C Investment, Inc. since 1997, serving as the firm's sole advisor. Outside of his advisory role, he is involved in family and other business ventures including ranching, oil and gas, and real estate. A & C Investment provides portfolio management and limited financial planning primarily to individuals, high-net-worth individuals, and family trusts, with occasional consulting on company retirement plans. The firm focuses on diversified mutual fund and ETF portfolios, using a long-term, fundamental analysis approach with non-discretionary management.

John Diehl is a financial advisor at The Prudent Planner, LLC in Salt Lake City, UT, with 15 years of industry experience. He holds Series 63 and Series 65 designations and has worked with the Utah Department of Financial Institutions since 2018. His prior experience includes a role at the Shandong Institute of Business and Technology from 2015 to 2016. The Prudent Planner, LLC provides financial planning, investment consultation, and portfolio management primarily for individual clients and small businesses. The firm emphasizes diversified, low-cost, tax-aware investment strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis, offering primarily non-discretionary portfolio management alongside educational workshops.

Christopher Watkins is the sole advisor at WMW Management, Inc. in Farmington, UT, holding Series 63 and Series 65 credentials with 32 years of industry experience. His work history includes roles at Focus Fund Advisors, LLC since 2022, Watkins Financial Services, Inc. since 2000, and WMW Management, Inc. since 1998. Outside of financial advising, 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 primarily serves individual investors along with trusts, estates, charitable organizations, corporations, and limited partnerships. The firm focuses on equity securities and employs a proprietary model for portfolio construction and monitoring, offering both discretionary and non-discretionary asset management as well as a Portfolio Monitoring Program.

Stephen Goalen is a CFP® and holds a Series 65 license with 15 years of industry experience. He is the principal of Goalen Capital Advisors, LLC, where he has worked since 2021. His prior experience includes roles at Merit Wealth Management, Goalen Financial Advisors, and Jacobsen Capital. Goalen is also a passive equity shareholder in two companies, Battalion Bags, LLC and Klean Freak, LLC. Goalen Capital Advisors, LLC provides investment management, comprehensive financial planning, and retirement-plan consulting to individuals, trusts, foundations, and employer-sponsored retirement plans. The firm emphasizes ERISA-aware fiduciary services and ongoing support for corporate retirement plans, offering discretionary portfolio management alongside non-discretionary recommendations on private funds.