Stephen Lay is a CFP® professional with 23 years of experience in the financial services industry. He is the sole advisor at Curtain Wealth Planning L.L.C. and previously worked at LPL Financial for 19 years before retiring for two years. Curtain Wealth Planning is an independent, state-registered advisory firm serving individuals and high-net-worth clients. The firm focuses on passive investing and Modern Portfolio Theory, using low-cost index funds and ETFs with a long-term, buy-and-hold strategy, and offers wealth management and financial planning services through flat and hourly fee structures.

Corey Noyes is a CERTIFIED FINANCIAL PLANNER™ professional with 10 years of industry experience. He is the sole advisor at Balanced Capital, an independent advisory firm, and has prior experience at Edward Jones. Outside of advisory services, he owns and operates a tax preparation firm in Heber City, Utah. Balanced Capital manages approximately $39.5 million for around 150 clients, primarily individuals and families, offering discretionary investment management and integrated financial planning. The firm uses fundamental analysis and passive ETFs to construct model portfolios, including an ESG-focused series, and provides quarterly in-person retirement seminars.

Reid Kellam is the principal of Kellam Insurance and Financial Services LLC, an independent firm based in Midway, Utah. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Since founding his firm in 2013, Kellam has also maintained an active insurance brokerage practice, dedicating approximately 40% of his time to selling fixed life, long-term care, and other insurance products. Kellam Insurance and Financial Services provides nondiscretionary asset management and financial services to self-employed business owners, individuals, and high-net-worth clients. The firm employs a long-term buy-and-hold investment approach informed by fundamental and cyclical analysis and also recommends insurance products as part of its offerings.

Jonathan Brogaard is a CFA® charterholder and principal of Gaard Capital LLC with one year of industry experience. He has worked at the University of Utah since 2018 and previously at the University of Washington from 2011 to 2018. Outside of his advisory role, he is the founder of JB Analytics LLC, providing expert witness consulting on financial market matters. Gaard Capital LLC offers outsourced chief investment officer and portfolio management services to ultra-high-net-worth individuals, family offices, and foundations. The firm employs proprietary model portfolios alongside fundamental, technical, quantitative, and qualitative analysis to customize asset allocation, liquidity management, and risk controls, utilizing liquid instruments including derivatives for hedging and exposure within separately managed accounts.

John McAndrew is the sole advisor at John McAndrew Financial Advisors LLC in Heber City, UT. He holds a Series 66 designation and has 10 years of industry experience. Prior to founding his firm in 2015, he worked as an independent insurance agent for two years. John McAndrew Financial Advisors LLC is a fee-only registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm offers discretionary asset management and financial planning, using both fundamental and technical analysis to tailor portfolios according to clients’ goals and risk tolerance.

Christopher Nibley is the principal of Nibley Financial LLC in Heber, Utah, holding a Series 65 designation with one year of industry experience. He is also the owner and accountant of Nibley Tax and Accounting LLC, a separate business through which he occasionally offers clients additional advice or products. His prior work includes roles at Bowen Law Professional Group, Powdr Corporation, and Rhodes & Associates. Nibley Financial Services LLC provides portfolio management and financial planning primarily to individual and high-net-worth clients. The firm uses a methodology based on fundamental analysis, modern portfolio theory, and technical analysis, offering tax-aware investment options such as direct indexing and implementing advice on both a discretionary and non-discretionary basis.

Michael Lee is the sole advisor at Redgrove Capital LLC in Heber City, Utah, holding a Series 65 designation and with 13 years of industry experience. He has led Redgrove Capital since 2012. Redgrove Capital provides discretionary investment management for individuals, trusts, estates, and retirement plans through separately managed accounts. The firm employs a bottom-up, fundamental value investing approach, focusing on concentrated, non-diversified portfolios with a strict discount threshold for security purchases and customized, non-model portfolios.

Devin Henderson is a financial advisor at Fortunate, LLC with 15 years of industry experience. He holds a Series 65 designation and has worked at Allegis Investment Advisors, LLC since 2014, while also operating as an independent insurance agent since 2004. Henderson works with school teachers utilizing 403(b) fixed annuities through independent contracts with ING, Great American, and LSW. Fortunate, LLC is a single-advisor independent firm serving individual investors and retirement plan sponsors with approximately 319 client relationships. The firm focuses on referring clients to third-party investment managers and provides retirement plan design, investment selection assistance, and employee education, without exercising investment discretion over client accounts.

Eric Kruglak is a financial advisor at Pendulum Asset Management, LLC in Heber City, UT, with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Citigroup and Continental Bank prior to joining Pendulum Asset Management. Pendulum Asset Management is an independent registered investment adviser serving individuals, trusts, estates, corporations, and other business entities. The firm focuses on small- to mid-cap financial securities, preferred stock, and fixed-income instruments, managing client assets through proprietary advisory agreements and model portfolios with an emphasis on income generation and collateral quality.

Frank Grinnell is the sole advisor at Grinnell Capital, LLC in Park City, UT, holding Series 63, 65, and 66 designations with 23 years of industry experience. His prior work includes roles at MML Investor Services, LLC and RBC Capital Markets, LLC. Outside of advisory work, he co-founded D & F Real Estate Partners LLC, a rental real estate business. Grinnell Capital provides discretionary asset management, financial planning, consulting, and subadvisory/outsourced CIO services to individuals, trusts, estates, and charitable organizations. The firm manages approximately $7.1 million using model-driven portfolios that incorporate Traditional, Impact, Momentum, and Momentum-ETF strategies with a mix of fundamental, technical, and quantitative analysis.

Elke Touchette is a financial advisor at Financial Prosperity, Inc. in Park City, UT, with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Financial Prosperity since 2009. Elke maintains a life and health insurance license in Utah but does not sell insurance products. Financial Prosperity serves primarily busy professionals and business owners nearing retirement, as well as adults under 30 through its Young Adult Service. The firm offers personal financial planning and discretionary portfolio management via a virtual, technology-driven model, focusing on strategic asset allocation, written Investment Policy Statements, and diversified investments with ongoing reviews and client portal access.

Timothy Barton is a financial advisor with Summit Wealth LLC, holding a Series 65 credential. The firm has no active registered advisors, assets under management, or clients as of the brochure date. Summit Wealth LLC provides discretionary portfolio management and standalone financial planning services for individuals and other client types. The firm uses a variety of investment methods and strategies, tailors plans to client goals and risk tolerance, and requires clients to use a specified institutional custodian.

Suzanne Herman is a CFP® and holds a Series 65 license with four years of industry experience. She has been with Roberts Wealth Advisors, LLC since 2020. Prior to joining the firm, she worked at Restaurant365 and DealerSocket, and earlier at Powdr Corp. Roberts Wealth Advisors provides portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, pension plans, and other investment advisers. The firm manages client portfolios using fundamental analysis and long-term strategies, serving both individual and institutional clients, including other advisory firms and plan sponsors.

Douglas Kobak is a CFP® with 35 years of industry experience, currently serving as the sole advisor at Main Line Group Wealth Management, LLC since 2018. His prior experience includes roles at American Equity Investment Corporation and Coastal Equities, Inc. He is also involved in consulting services through Main Line Group Consulting and manages multiple special purpose vehicles as a member-manager of MLG Venture Partners LLC. Main Line Group Wealth Management serves individuals, high-net-worth clients, trusts, and estates with discretionary portfolio management, financial planning, and consulting, including services tailored for corporate executives. The firm’s investment approach emphasizes customized asset allocation, diversification, and rebalancing across a range of instruments, and it manages affiliated private investment funds with performance-based compensation and active involvement in portfolio companies.

Frank Sterneck is a financial advisor at Sterneck Capital Management LLC with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Sterneck Capital Management since 1989. Sterneck Capital Management provides discretionary investment management, financial planning, and related advisory services to individuals, high-net-worth clients, trustees, foundations, and similar household accounts. The firm employs a multi-cap, value-oriented investment approach with a long-term focus and periodic tactical rebalancing, offering portfolios that include equities, mutual funds, ETFs, fixed income, private alternatives, and other instruments.

Todd Pierce is a financial advisor at Innovate Wealth in Park City, UT, holding Series 63 and Series 65 licenses. He has experience in the industry since 2019, with prior roles at MNS International, Utah Peaks Capital, and Conventus Capital. Innovate Wealth provides financial planning, estate planning assistance, tax services, discretionary investment management, and retirement plan services to individuals, businesses, and high-net-worth clients. The firm employs a software-based collaborative planning process and uses a passive, asset-allocation investment approach supplemented by trend-following signals and factor tilts, managing approximately $63 million across 42 client relationships.

Ryan Walsh is a CFA® charterholder and holds a Series 65 license, with 11 years of industry experience. He has worked at Roberts Wealth Advisors, LLC since 2021 and previously spent seven years at Northwest Asset Management, LLC. Roberts Wealth Advisors provides portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, pension plans, and other investment advisers. The firm manages client portfolios using fundamental analysis and long-term strategies, serving both individual and institutional clients with discretionary portfolio management and investment consulting services.

Alex Knowles is a Series 65-licensed financial advisor with one year of industry experience. He has worked at Connect Financial Advisors since 2025 and previously at Adam's Wealth Advisors and Flatland Energy Services. Connect Financial Advisors is a state-registered team advisory firm serving individuals, small businesses, trusts, and retirement accounts with discretionary portfolio management and written financial planning services. The firm manages approximately $58.6 million in discretionary assets across about 443 client relationships, employing a range of investment strategies from long-term buy-and-hold to tactical trading based on fundamental, technical, and cyclical analysis.

John Rudio is a financial advisor at Echelons Capital, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Goldman Sachs & Co, Purshe Kaplan Sterling Investments, and Phase Line Capital, LLC. Outside of finance, he is involved in entrepreneurial ventures including co-founding a nicotine de-addiction company and developing mobile apps to assist soldiers with uniform assembly. Echelons Capital, LLC provides discretionary portfolio management, financial planning, and consulting services to individuals, trusts, charitable organizations, and businesses. The firm employs model portfolios and third-party money managers, utilizing sub-advisory arrangements to implement systematic long/short equity strategies that include leverage, derivatives, and tax-aware trading techniques.

Adam Carlini is a financial advisor with Dynamic Wealth Advisors in Heber City, UT, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Dynamic Wealth Advisors since 2012 and previously worked at Leigh Baldwin & CO., LLC for eight years. Outside of investment advisory, he is a 34% owner of Dynamic Tax Advisors LLC, a tax planning and preparation firm, contributing approximately 100 hours annually outside of market hours. Dynamic Wealth Advisors is a four-advisor team managing about $140 million across roughly 304 client relationships. The firm provides fee-based investment management, financial planning, and retirement plan consulting, employing a dynamic, risk-focused approach that incorporates fundamental and technical analysis, diversified strategies, and tactical use of derivatives and short positions.