James Packard

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.

Jordan Wamsley is a Financial Advisor with Merrill Lynch Wealth Management, bringing a personalized approach to wealth management tailored to each client’s unique financial goals. He emphasizes collaboration with clients to develop flexible strategies that address changing market conditions and leverages resources from Merrill and Bank of America to support investment insight and banking needs. With experience spanning emergency room work, tech startups, and service as a combat engineer in the US Army Reserves, Jordan integrates diverse perspectives into his practice. He works alongside a team with over 35 years of collective expertise to provide client-focused wealth management solutions, including college education planning, legacy planning, portfolio management, retirement income, and tax minimization. Jordan is a Utah native and holds a High School Diploma from Morgan High School, having also attended Utah State University. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Jordan is active in his community and enjoys an active lifestyle that includes golfing, hiking, hunting, pickleball, rock climbing, skiing, yoga, traveling, and spending time with his family.

Jay Wamsley is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in 1985. Based in Northern Utah, he has more than 37 years of experience helping clients develop personalized strategies to manage their personal and business finances. His areas of focus include corporate executive services, education planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategies, tax minimization, and retirement income. Jay holds a Bachelor of Arts degree in Finance with a minor in Economics from Utah State University. He carries the Personal Investment Advisor (PIA) designation and actively participates in professional and community organizations, including SCOUTREACH. Residing in Mountain Green, Utah, Jay spends his personal time with his wife and four sons. His interests include golfing, fly fishing, hunting, skiing, and piloting.

Craig Umbrell is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1999, focusing on providing clients with confidence in their financial futures through thoughtful planning and investment management. Craig works closely with clients on family wealth management strategies, personal retirement planning, portfolio management services, socially responsible investing, tax minimization, and retirement income solutions. Craig began his financial career in 1998 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor’s degree from Weber State University. Craig is actively involved in his community through affiliations with his church, local food pantry, school foundations, and youth groups. Outside of his professional work, he enjoys golf, racquetball, hiking, boating, skiing, and spending time with his wife Emilyn and their four children.

Jon Wilson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as the retirement planning professional for the BHB group, focusing on developing personalized financial strategies to help clients pursue their long-term goals. Jon has over 35 years of experience working with business owners and their key employees on all aspects of qualified retirement plans, including 401(k)s, defined benefit plans, and non-qualified deferred compensation plans, as well as managing transitions to retirement. Prior to his current role, he held positions as a Regional Director and Retirement Plan Manager within Corporate Financial Services for both Smith Barney and Merrill. His expertise includes broad financial wealth management strategies tailored to individual client needs. Jon holds a Bachelor’s Degree in Finance from Brigham Young University. He has been a CERTIFIED FINANCIAL PLANNER® professional since 1987 and earned the Certified Plan Fiduciary Advisor® designation in 2018. Additionally, he holds designations as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). Jon is bilingual in English and Spanish. He resides in Ogden, Utah with his wife, Dawnene, and their two children. Outside of work, he enjoys golf, hiking, fishing, and skiing, and is involved in the local community through OnStage Ogden.

Timothy Ludlum is a Wealth Management Advisor and Merrill Resident Director based in Ogden, Utah. His practice centers on guiding individuals and families to position their finances to achieve their long-term life goals. Before entering the financial industry in 2014, Tim spent 12 years as an entrepreneur, founding and selling four businesses. This entrepreneurial background informs his approach to financial planning and investment strategies. Tim began his financial career with Robert W. Baird & Co., obtaining FINRA Series 7 and 66 registrations along with Life, Long-Term Care, and Disability Insurance licenses. After three years, he moved to Raymond James in 2017, and subsequently joined Merrill in 2023. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Tim earned both his bachelor's and master's degrees from Bob Jones University. Residing in Eden, Utah, with his wife, Elissa, and their family since 2012, Tim enjoys outdoor activities such as trail running, hiking, skiing, hunting, and fishing. He participates in multiple trail races annually and values community involvement, volunteering and serving on boards of nonprofit organizations in northern Utah.