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.

Marcus Blanchard is a financial advisor at Focal Point Financial Planning, LLC in Pleasant Grove, UT, holding the CFP® and ChFC® designations with eight years of industry experience. His prior roles include positions at DFPG Investments, Fidelity Brokerage Services, and Veritude. In addition to his advisory work, he is involved in prospecting for estate and tax planning clients through an Estate Planning Team focused on marketing Deferred Sales Trusts. Focal Point Financial Planning, LLC provides financial planning and discretionary portfolio management to individuals, trusts, estates, retirement and pension plans, and high-net-worth clients. The firm uses a combination of active and passive strategies and employs various analytical approaches to align investments with client risk tolerance and objectives, offering ongoing monitoring, annual reviews, and discretionary trading authority.

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.

Benjamin Olson is a CFP® professional with 17 years of industry experience. He has been with R.O.I. since 2005, where he serves as one of two advisors at the firm. R.O.I. is a family-managed advisory firm based in Lindon, UT, serving individual clients and couples across a range of wealth levels. The firm offers active investment management and comprehensive financial planning, utilizing a proprietary Best Funds List updated monthly and a hands-on approach that includes individualized quarterly reporting and regular client communications.

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.

Kelly Allman is a financial advisor at Garrett Capital Investment Management with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Kestra Advisory Services LLC and Investools from TD Ameritrade. Outside of her advisory duties, she works as an independent contractor teaching financial education classes and providing individual instruction via Zoom. Garrett Capital Investment Management advises primarily individual clients, including high-net-worth individuals, IRAs, and family trusts, through discretionary portfolio management. The firm’s approach combines asset allocation, fundamental and technical analysis, and market timing, with active use of options strategies and involvement in private fund activities.

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.

Taylor Vowles is a financial advisor at Oxford Wealth Management with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including Drive Wealth Management and Crewe Capital. Vowles also serves as an independent certified public accountant and is involved in managing private investment holding companies. Oxford Wealth Management provides investment advisory, financial planning, consulting, and ERISA retirement-plan fiduciary services primarily to individuals, high-net-worth families, trusts, IRAs, and business entities. The firm typically serves clients with net worths of $5 million or more, offering both discretionary and non-discretionary portfolio management across a broad range of asset classes.

Timothy Turley is a financial advisor at Ascend Investment Management, LLC with nine years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Transamerica Financial Advisors and World Financial Group. Outside of advising, he is an online marketing instructor at BYU-Idaho and is involved in insurance and mortgage loan origination through several business ventures. Ascend Investment Management, LLC serves individual clients, trusts, estates, retirement plans, small businesses, and charitable organizations, offering personalized financial planning and investment management. The firm combines fundamental and technical analysis to manage portfolios focused on large-cap equities with tactical adjustments to bonds or money-market positions, and it provides educational seminars alongside its advisory services.