Branden Vernon is a financial advisor at Steward Financial Services, LLC in Salt Lake City, UT, with 18 years of industry experience. He holds Series 63 and Series 65 designations and has been with Steward Financial Services since 2010. In addition to his advisory role, Vernon is a licensed insurance agent involved in insurance product sales. Steward Financial Services serves individuals, trusts, charities, business entities, and pension plans with fee-based portfolio management, financial planning, and pension consulting. The firm employs a mix of tactical allocation and passive strategies across a broad range of instruments and offers an active pension consulting practice that includes benchmarking, monitoring third-party providers, and participant education under the Pension Protection Act.

Jaron Poulson is a CFP® professional with 24 years of experience in the financial services industry. He is the principal of JHP Planning, LLC, an independent advisory firm based in Salt Lake City, UT. His prior experience includes roles at Commonwealth Financial Network and MML Investor Services. Poulson is also a licensed insurance agent conducting fixed insurance sales under his firm’s name. JHP Planning, LLC provides investment advisory services to individuals, high-net-worth clients, and pension or profit-sharing plans, offering portfolio management, comprehensive financial planning, and pension consulting. The firm customizes investment policy statements and employs a combination of modern portfolio theory, fundamental, technical, and quantitative analysis through the AssetMark platform.

Chad Butler is a financial advisor at Harvest Lane Investment Partners, LLC with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Global Retirement Partners, Transamerica Capital, Voya Investment Management, John Hancock, and Fidelity Investments. In addition to his advisory role, he is a commissioned Notary Public. Harvest Lane Investment Partners provides investment management and financial planning services to a diverse client base, ranging from individuals and families to institutions and charitable organizations. The firm employs a contrarian, valuation-focused investment philosophy emphasizing risk management and capital preservation, utilizing a broad range of public and private instruments supported by AI-driven analytics subject to human review.

Jessica Lanning is a CFP® professional with 16 years of industry experience, serving as the principal and sole advisor at Lanning Financial Inc. since 2006. In addition to her advisory role, she is president of a mortgage brokerage business and holds a life insurance license, through which she brokers life insurance and annuities when appropriate for clients. Lanning Financial Inc. primarily serves individual and high-net-worth clients, focusing on comprehensive financial planning and advisory services rather than direct portfolio management. The firm selects and monitors third-party money managers, emphasizing client education and recorded meeting content, and uses flat fees for financial planning engagements.

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.

Christopher Cheney is a CFP® and ChFC® with 17 years of experience in the financial services industry. He has been with Twin Peaks Wealth Management LLC since 2013 and also has work experience with Alterra Mountain Company. Twin Peaks Wealth Management serves individuals, families, trusts, charitable organizations, and employer-sponsored retirement plans by providing discretionary investment management, financial planning, and implementation services. The firm employs a strategic asset-allocation framework with a tactical overlay and uses a variety of investment vehicles and outsourced trading and model services to meet client objectives.

Ronald Mills is the principal of Planned Security Advisors LLC and holds Series 63 and Series 65 licenses. He has 31 years of industry experience, including prior roles at LifePro Asset Management, Ameriprise Financial Services, and LPL Financial. In addition to his advisory work, he maintains an active insurance practice as a licensed agent. Planned Security Advisors LLC offers discretionary asset management, comprehensive financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and employer-sponsored plans. The firm provides ERISA 3(38) investment management and employs a combination of analytical methods to tailor investment advice to client objectives and risk tolerances.

Andrew Mitchell is a financial advisor at Affinity Financial, LLC in Millcreek, Utah, holding a Series 65 designation with five years of industry experience. Prior to his current role, he worked at the Legal Aid Society, Utah Attorney General’s office, Clarior Law, the Utah Supreme Court, and Mitchell & Associates. He maintains a small legal practice alongside his advisory work. Affinity Financial primarily serves business and pooled or institutional clients, including retirement and profit-sharing plans. The firm provides portfolio management, retirement plan setup and record-keeping, comprehensive financial planning, and tax/accounting consulting, often leaving trade authority with clients and employing both fundamental and technical analysis in its investment approach.

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.

Reginald Maxfield is a CFP® and holds a Series 66 license with 18 years of industry experience. He has worked at Olympus Peaks Financial, LLC since 2016 and previously spent nine years at LPL Financial. Maxfield assists individuals with the organization and management of defined contribution and defined benefit plans. Olympus Peaks Financial provides portfolio management, pension consulting, and fee-based financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm combines fundamental and quantitative analysis with modern portfolio theory and technical strategies, and maintains a notable pension consulting practice for plan sponsors.

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.

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.

Jon Debry is the sole advisor at JD Investment Management, LLC, an independent firm based in Salt Lake City, UT. He holds a Series 65 designation and has 27 years of industry experience, having led JD Investment Management since its founding in 1998. JD Investment Management provides fee-based portfolio management and limited, topic-specific financial planning to individual and nonprofit clients. The firm employs a value-oriented investment approach focused on fundamental analysis with technical analysis used for timing, investing broadly across equities, bonds, ETFs, and preferred securities while generally avoiding options, margin, and private placements.