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 the sole advisor at Cash Flow Investment Services LLC in Ogden, UT, holding a Series 65 credential with 29 years of industry experience. He has been with Cash Flow Investment Services since 1996. Cash Flow Investment Services is an independent, state-registered investment adviser providing discretionary portfolio management and limited financial planning to retail clients. The firm manages approximately $92.4 million across about 86 accounts, using a blended analytical approach that includes fundamental, technical, quantitative, and mutual fund/ETF analysis, with strategies ranging from long-term buy-and-hold to shorter-term trading based on client objectives and risk tolerance.

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.

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.

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 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.

Christopher Janik is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and with 18 years of industry experience. His career includes roles at Salt Creek Mortgage, WealthWave, and Managed Wealth Financial, among others. Janik is also involved in business activities related to real estate sales, banking, credit, insurance sales, retail, and tax preparation through his ownership interests in Sunset Alliance LLC and Infinitus Capital Management Corp. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm’s advisory approach relies on model portfolios and third-party managers, delivering services through multiple platforms such as Transamerica ONE and TFA365, with regulatory assets under management of approximately $1.7 billion.

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.

Brett Karras is a CFP® professional with over 32 years of experience in the financial industry. He has been with The Karras Company, Inc. since 2002 and is currently one of four advisors at the firm. His work history also includes a longstanding affiliation with Raymond James Financial Services since 2000. The Karras Company provides wealth planning, investment consulting, and portfolio management services to individuals, trusts, institutions, and employer-sponsored retirement plans. The firm emphasizes strategic asset allocation and diversified buy-and-hold portfolios, utilizing research and platform resources from Raymond James to support client strategies and account 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.

William Merrell is a CFP® and Series 66 credentialed advisor with 13 years of industry experience. He has been with The Karras Company, Inc. and Raymond James Financial Services since 2015. Outside of his advisory role, he owns and operates a family management company called CCC Management. The Karras Company provides wealth planning, investment consulting, and portfolio management services to individuals, trusts, institutions, and retirement plans. The firm emphasizes strategic asset allocation and diversified, primarily buy-and-hold portfolios, leveraging research and resources through its partnership with Raymond James.

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 financial advisor at Miser Asset Management with one year of industry experience. He holds the Series 65 designation and has prior work history at Equity Real Estate, Caldwell Banker, and Berkshire Hathaway. Outside of his advisory role, Lucero is the owner and CEO of Cedarway Capital LLC, a private equity firm focused on real estate investments. Miser Asset Management serves individual clients, trusts, estates, conservatorships, and small business entities by providing portfolio management, financial consulting, and educational seminars. The firm utilizes a combination of fundamental, technical, cyclical, and economic analysis to manage assets through both discretionary and non-discretionary services.

Shannon Irwin is a financial advisor at Synergy FG with nine years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Ameriprise Financial Services from 2017 to 2020. Outside of her advisory role, she serves in fiduciary capacities such as trustee and personal representative. Synergy Financial Group provides comprehensive financial planning and discretionary investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm employs a blend of fundamental and technical analysis alongside proprietary asset-allocation models and offers portfolios that include ETFs, mutual funds, derivatives, institutional-grade real estate, and private equity.

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.