Our Team
Financial Advisor
Ray E. LeVitre, CFP®
Email: ray@networthadvice.com
Author of 20 Retirement Decisions You Need to Make Right Now
Ray has gained a unique perspective of the financial industry during his 27 years of experience. Ray has worked as a representative for one of the nation’s largest mutual fund companies (Fidelity), as a bank investment representative at one of the nation’s largest banks (Citicorp) and as an insurance agent at a reputable life insurance company (Mutual of New York-MONY). Ray then worked as a stockbroker at the nation’s largest brokerage firm (Merrill Lynch) before starting Net Worth Advisory Group in 2003.
Given that Ray has seen the industry from many angles, he understands the types of products and services that commission-based companies offer. As an independent fee-only advisor, Ray is in a unique position to help people evaluate the products and services they have been sold by other advisors and help determine if they were given sound advice.
Education and Designations
• CERTIFIED FINANCIAL PLANNER™ (CFP®)
• Member, National Association of Personal Financial Advisors (NAPFA)
• College for Financial Planning, CFP Professional Development Program
• CFM Program, The Merrill Lynch School of Financial Management
• Bachelor of Science, University of Utah
Instructor
Instructor, Utah Valley University, Woodbury School of Business, Introduction to Personal Financial Planning Profession
Books
• Author: 20 Retirement Decisions You Need to Make Right Now
4.8 out of 5 stars
• Author: The Retiring Boomer’s Financial Handbook
• Author: Opening the Door to Retirement
Articles
Television Interviews
• KSL News – 2/10/13 – Post-Crash, People Returning To Stock Market
• NBC Studio 5 – 11/14/11 – Conspicuous Consumption: Choosing Status or Wealth
• NBC Studio 5 – 10/26/11 – Stress Free Stock Investing
• NBC Studio 5 – 9/7/11 – Being Charitable Can Make You Rich
• NBC Studio 5 – 8/8/11 – Handling Finances After a Divorce
• NBC Studio 5 – 7/28/11 – Financial Planning with Your 401(k)
• CBS Fresh Living – 7/12/11 – Choosing an Advisor
• NBC Studio 5 – 6/24/11 – Survive Financial Storms the Bucket System
• NBC Studio 5 – 5/5/11 – Good Debt vs Bad Debt
• CBS Fresh Living – 3/31/11 – Retirement
• NBC Studio 5 – 2/8/11 – Teaching Kids About Finances
• NBC Studio 5 – 1/11/11 – Diversification
• NBC Studio 5 – 11/30/10 – Financial Moves Before Year End
• NBC Studio 5 – 11/2/10 – Hiring a Financial Advisor
• NBC Studio 5 – 10/18/10 – The Bucket Strategy
• NBC Studio 5 – 10/5/10 – Preparing For Retirement
Quoted in the Media
• The Real Risks Of Retirement Investing: Conservative investing is about managing all risks
• Wall Street News Network, September 2017: Interview With Ray LeVitre About 20 Retirement Decisions You Need to Make Right Now
• Good Day Market Place Show, September 2017
• Modern Restaurant Management, September 2017: The Real Risks of Retirement Investing for Restaurateurs
• Homefront Magazine: Plan for Your Retirement
• Insight: The Real Risks of Retirement Investing
• Advisor Magazine, September 2017: The Real Risks of Retirement Investing
• Mic, September 2017: Should I Roll Over my 401(k) to an IRA – Or my New Employer’s Retirement Plan? What Experts Say
• Medium, September 2017: The Real Risks of Retirement Investing
• WE Magazine for Women, September 2017: The Real Risks of Retirement Investing
• Linkedin: The Real Risks of Retirement Investing
• The Stewardship Report, September 2017: The Real Risks of Retirement Investing
• Rat Race Mutiny, September 2017: The Real Risks of Retirement Investing
• Food & Beverage Magazine, August 2017: F&B Industry Intel: The Real Risks of Retirement Investing
• Financial Advisor: 3 Key Decisions So Clients Don’t Wreck Retirement In 1 Year
• Influential Magazine: 5 Steps Helping Ensure Adequate Retirement Income
• LinkedIn: 5 Steps Helping Ensure Adequate Retirement Income
• Rat Race Mutiny: 5 Steps Helping Ensure Adequate Retirement Income
• The Top Tier-The Best In Luxury & Affluence: 5 Steps Helping Ensure a Financially-Rewarding Retirement
• USA Today, July 2015: 7 Steps To a Financially Secure Retirement
• CNBC, Sept 2011, Financial Planning for Your Aging Parents
• AARP Bulletin, June 2011: Should You Stick With Stocks?
• New Yorker, October 2009: Investing in Retirement
• Money Magazine, June 2009: Fixed annuities promise tax-deferred
• Salt Lake Tribune, July 2009: Delaying Retirement
• Investment News, May 2009: Obama’s First 100 Days
• Salt Lake Trib Oct 2008 No Time For Emotions: 401K Q&A
• Chicago Tribune Oct 2008 Cashing in and IRA could draw penalty
• Deseret News – (Young Saver Starting off on the right foot.)
• Chicago Tribune Aug 2007 Salvaging a Portfolio Hit In Early Retirement
• Deseret News April 2007 (Financial dilemmas grow with age)
• Chicago Sun Times (Social Security and Retirement)
• Orlando Sentinel – Stock Allocation at Retirement
• Chicago Trubune Oct 2006 Advice is nice, but choosing the right adviser is wiser
• Kiplingers, June 2006 (Mutual Funds)
• Redbook, February 2006 (Credit Cards)
• Deseret News, January 2006 (Retirement)
• Deseret News February 2006 (Finding an Advisor)
• Deseret News, March 2006 (Financial Advisor Fees)
• Orlando Sentinel (Choosing an Advisor)
• Rockford Register (Simplify Retirement Decisions)
• Newsweek 2006 Making The Most Of Real Estate: Rent vs Buy
• Financial Advisor Magazine, March 2005 (Withdrawal Rates)
• Financial Planning Magazine, May 2005 (Going Fee-Only)
• BusinessWeek, May 2005, (Financial Plan)
• MSN Money, July 2005 (401k)
• National Underwriter Magazine, December 2005 (Retirement Income)
• Investment Advisor Magazine, March 2004 (Avoiding Expensive Products)
• Dow Jones, November 2004 (Going Fee-Only)
Financial Advisor
David Swapp, CFP®, MBA
Email: david@networthadvice.com
Financial Management Experience
I consider it a privilege to assist clients in making some of the most important decisions they will ever make. Chief among these are the many important financial decisions that will directly impact their ability to live the life they have imagined. As a fee-only advisor, I act in a fiduciary capacity and am uniquely positioned to provide truly objective advice.
For the last 16 years I have worked intimately with my clients to help them achieve their life and financial goals. Nothing is more satisfying to me professionally than to see them accomplish this. The areas I have focused on the most with my clients include retirement planning, investment analysis, investment strategy, investment portfolio management, business planning, tax planning, life/health/disability/long-term care insurance, education and estate planning.
Prior to working with Net Worth Advisory Group, I worked for Duke Energy, one of the nation’s largest utilities and energy merchants. As Vice President of Energy Marketing and Trading, I gained invaluable experience and expertise in managing market, commodity, credit, currency, and interest rate risk.
Helping lead and manage Net Worth Advisory Group is a responsibility that I greatly enjoy. Because I care deeply for all of our clients and have a tremendous amount of respect for my work colleagues, I want Net Worth to be the very best it can be. I believe that as we effectively manage our business it greatly increases our ability to successfully serve our clients and better enables us to serve future clients.
Throughout my life, I have strived to qualify myself to be someone that can create value in the lives of others. My educational background started with a Bachelor’s of Science in Accounting from the University of Utah. I then earned a Masters of Business Administration from Brigham Young University. To better prepare myself as a financial planner, I completed the Financial Planning Certification Program from Boston University. I continue to complete extensive continuing education to stay current on my associations and designations and to better prepare myself to serve clients.
Personal
My wife Stacy and I live in Heber City with our youngest son. Together we enjoy the many amazing outdoor activities available in Utah. When I’m not watching my kids play sports, I especially love to golf, ski, mountain bike, and read.
Education and Designations
• Certified Financial Planner™ (CFP)
• Member, Financial Planning Association (FPA)
• Member, National Association of Personal Financial Advisors (NAPFA)
• Certified Financial Planning Certification Program, Boston University
• Master of Business Administration, Brigham Young University
• Bachelor of Science in Accounting, University of Utah
Financial Advisor
Greg Simmons, CFP®
Email: greg@networthadvice.com
Ph: (801) 566-6639
Greg is passionate about helping his clients live the kind of retirement they’ve always dreamt of—and focus on what matters in their lives. Through the firm’s highly comprehensive approach, Greg has seen the peace of mind that clients experience with the knowledge that every piece of their finances is taken care of.
For nearly a decade, Greg has worked closely with individuals and families to improve their finances. Along the way, he’s developed close relationships with his clients who he considers to be like friends and family.
Greg believes the only way he can truly be accountable to his clients is through a fee-only platform, which Net Worth Advisor Group adheres to. This contrasts with a commission-based environment where conflicts of interest are inherent. In this way, Greg provides integrity-driven guidance that is tailored to his clients’ lives.
When he’s not in the office, Greg loves to travel with his wife—they especially love tropical vacations. He also loves spending time with his 3 daughters and playing golf.
Designations, Registrations & Licenses
• CERTIFIED FINANCIAL PLANNER™
• Series 65
Financial Advisor
Curtiss Smith, CFP®
Email: curtiss@networthadvice.com
Ph: (801) 566-6639
Curtiss is a financial advisor because he sees the meaningful impact that highly personalized financial guidance can make. In serving as a long-term partner to his clients, Curtiss not only helps his clients experience a sense of ease, he also develops close relationships with the individuals and families he serves. This inspires Curtiss every day when he comes into work.
His belief in fee-only advice helps him make a dramatic impact in his clients’ retirement and overall financial outcomes. Ever since he started his career in the industry, he’s had a firm stance that individuals should work with a fee-only CFP® professional in order to get the most objective advice by a qualified advisor. Curtiss also believes in maintaining a comprehensive approach to truly meet all of his clients’ needs and coordinate their financial lives.
Curtiss has been with the firm since 2009. Previously, he was in sales management, which helped prepare and train him to be a better communicator—and a better financial advisor. He became an owner of Net Worth Advisory Group in 2021 and enjoys his leadership role to help run and grow the firm.
Curtiss is married and has 4 kids: 3 boys and 1 girl. Outside of the office, he loves all things sports, especially coaching his sons teams. Curtiss loves spending time with his family as well as mountain biking, snowboarding, boating, exercising and many other active and outdoor activities.
Education and Designations
• CERTIFIED FINANCIAL PLANNER™ (CFP)
• Certified Financial Planning Program, Boston University
• Member, National Association of Personal Financial Advisors (NAPFA)
• Bachelor of Science, Business Management – Finance, Brigham Young University
Mike Berry, CFP®, MBA
Email: mike@networthadvice.com
Ph: (801) 566-6639
In late 2013, Mike joined Net Worth Advisory Group. Being a fee-only financial planner provides Mike the freedom to deliver comprehensive, objective solutions in the areas of investments, retirement planning, tax, insurance, pension evaluation, social security analysis and estate planning.
Over the course of his career in finance, operations and management, Mike has successfully worked with a variety of people. His clients know they can trust Mike and rely on him to create unique long-term financial plans that fit each individual’s circumstance. He finds great satisfaction in providing solutions and ongoing asset management services that enhance his clients’ quality of life.
Mike and his wife Amy live in Stansbury Park, Utah with their five children. Both of them are actively involved in the community. They also enjoy hiking, skiing, camping and living in the great state of Utah. Mike, an Eagle Scout, is originally from California.
Education and Designations
• CERTIFIED FINANCIAL PLANNER™
• Member, National Association of Personal Financial Advisors (NAPFA)
• Certified Financial Planning Certification Program, Boston University
• Master of Business Administration, Finance – Idaho State University
• Bachelor of Science, Psychology – Brigham Young University
Quoted in the Media
MoneyGeek: The Cheapest Life Insurance Companies
Kristy Donahoo
Email: kristy@networthadvice.com
Kristy believes that everyone should actively plan for retirement. She is keenly aware of how daunting the financial planning choices can seem. It was while she was in preparation for her own retirement, sitting on the client’s side of the table that she discovered how different advisor agendas and motivations can be, which often leads to unnecessary complexity and confusion. It was this experience that inspired her to re-enter the workforce to become a fee-only (fiduciary) advisor herself with a commitment to make financial planning and investing an enjoyable, uncomplicated, and stress-free experience.
Kristy is especially grateful to have been personally mentored and inspired by Ray LeVitre, the founder of Net Worth Advisory Group and author of 20 Retirement Decisions You Need to Make Right Now. She has enjoyed over 10,000 hours of training and direct mentorship with Ray. Much of this time was spent as a Business Partner with Ray, developing and growing his client practice. With Ray’s experience building one of the top fee-only financial advisory services in the state of Utah and Kristy’s 20-plus years as a career woman building her own nest egg, they brought an unusual combination of expertise, compassion and capabilities to the table.
Today, Kristy is partnered with Amoree Farnsworth, CFP to continue what started with Ray – a practice centered on sound financial principles and strategies for a financially secure retirement. Together, Kristy and Amoree strive to make this possibility, the reality for all of the clients they serve.
Much of Kristy’s career prior to Net Worth Advisory Group, spanned over 20 years in executive sales management positions in Northern California/Silicon Valley with high-tech and early internet companies. When she relocated to Utah, she was personally recruited by Utah’s Governor Michael O. Leavitt to lead the state’s hosting and business development programs for the 2002 Olympics. She later went on to teach in a highly regarded private Utah school prior to becoming a licensed fee-only financial advisor.
Education & Designations
• Investment Advisor Representative, Series 65 Licensed
• Member, Financial Planners Association (FPA)
• Bachelor of Science, Business Administration and Marketing, California State University
Personal
Kristy and her husband moved to Utah from California about 20 years ago. They enjoy Utah for its people, the four seasons and proximity to their four adult children. She and her family enjoy beach time in California and Hawaii during summers and snow sports during Utah winters. Kristy serves on the Advisory Board of the John Williams Encircle Home in Salt Lake City, a resource center for at-risk LGBTQ+ youth and their families.
Amoree Farnsworth, CFP®
Email: amoree@networthadvice.com
Amoree has a passion for fee-only financial planning and providing objective sound advice. While financial planning may feel daunting and complex at times, Amoree enjoys educating and working side-by-side with her clients to create confidence and direction. Most importantly, Amoree appreciates the genuine connection of helping clients reach their planning goals and celebrating these accomplishments together.
Amoree graduated Magnum Cum Laude and received the Most Outstanding Student Award with a Personal Financial Planning degree from Utah Valley University. Utah Valley University is ranked one of the top three universities registered by Certified Financial Planner (CFP) Board of Standards. Amoree received her Certified Financial Planner designation in 2016.
Prior to becoming a Financial Advisor, Amoree enjoyed over 10 years with a career in the banking and mortgage industry where she worked as an underwriter and obtained her Direct Endorsement from FHA. Coupled with her experience working for the Utah State Tax Commission and a previous firm working directly with a CPA, she found a passion for tax planning. This fueled her desire for a holistic approach to financial advising.
Today, Amoree is partnered with Kristy Donahoo to continue what Ray, the founder of Net Worth started – a practice centered on sound financial principles and strategies for a financially secure retirement. Together, Kristy and Amoree strive to make this possibility the reality for all the clients they serve.
On a personal note, Amoree enjoys water and snow skiing with her husband and three children. She also enjoys running, golfing, coaching her children in basketball, and being actively involved in her community.
Education & Designations
• Bachelor of Science, Personal Financial Planning, Utah Valley University
• CERTIFIED FINANCIAL PLANNER™ (CFP®)
Neal Hansen, CFP®
Email: neal@networthadvice.com
Neal is a financial advisor because of the joy that he receives from partnering with clients to accomplish their financial goals. He especially loves working with individuals and families to simplify their lives by providing sound financial advice. With each client, Neal strives to build a relationship of trust through focusing on their needs, wants, and preferences, instead of just looking at the numbers.
Neal strongly believes in being a fiduciary for his clients. He also advocates working with a fee-only financial advisor and providing everyone unbiased and comprehensive advice.
Neal attended Utah Valley University’s prestigious Personal Financial Planning Program, where he graduated Summa Cum Laude and received the programs, “Most Outstanding Student Award”.
Neal initially joined the firm in 2015 as an intern. However, in 2017, he moved to Arizona where he worked for Vanguard as a financial advisor until late 2021. While at Vanguard, Neal learned the importance of placing clients’ interests first and the role of fees and costs with advice and investing.
Personal
Neal is married, has 3 kids: 2 boys and 1 girl, and currently lives in Saratoga Springs, UT. Outside of the office, he loves basketball and football, and still is a big fan of the Phoenix Suns and Arizona Cardinals. Neal also loves spending time with his family, boating, exercising, golfing, listening to music, and cooking.
Education and Designations
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Member, National Association of Personal Financial Advisors (NAPFA)
Bachelor of Science, Personal Financial Planning, Utah Valley University
FINRA Series 7 and 66
Quoted in the Media
• MoneyGeek: Finding the Best Low Income Personal Loans
• BET: Mind Your Money: Expert Advice For This Georgia Couple On Saving While Paying Off $300k Student Loan
• CFP Board Center for Financial Planning: Guide to Careers in Financial Planning, page 22.
• MoneyGeek: How to Budget for the Holidays: Expert Advice & Resources
McKenna Jacobsen, CFP®, AFC®
Email: mckenna@networthadvice.com
McKenna Jacobsen was appointed Financial Advisor for Net Worth Advisory Group in March of 2020. She has been with the firm since April of 2014, and previously served as a Client Service Manager.
McKenna has thoroughly enjoyed working for Net Worth Advisory Group and believes the firm’s fee-only platform allows her to provide objective advice that puts clients’ needs first. With Net Worth Advisory Group’s comprehensive approach to financial planning, McKenna finds personal satisfaction in providing clients with thorough, well-planned counsel regarding all areas of their financial life.
McKenna graduated Cum Laude from Utah Valley University in their nationally ranked Personal Financial Planning Program. While there, she was an officer for the Personal Financial Planning Student Association and a Financial Coach in the University’s Money Management Resource Center.
In addition, McKenna has received numerous awards including the Utah Valley University – Dalton Education CFP® Most Outstanding Student Award; the Utah Valley University – Woodbury School of Business: Achievement Award; and a distinguished First Place Finish in the 2019 National FPA Financial Planning Challenge held in Minneapolis, Minnesota.
Personal
McKenna lives in Heber City with her husband Mackay and daughter Maya. Together they enjoy golfing, hiking, playing pickleball, skiing, doing home-improvement projects, and many other outdoor activities.
Education and Designations
• CERTIFIED FINANCIAL PLANNER™ (CFP®)
• Investment Advisor Representative, Series 65 Licensed
• Accredited Financial Counselor™ (AFC®)
• Bachelor of Science, Personal Financial Planning, Utah Valley University
Madison Russell, CFP®
Email: madison@networthadvice.com
Madison is a financial planning specialist here at Net Worth Advisory Group. She graduated from Utah Valley University with a degree in Personal Financial Planning in May of 2022. Madison believes working with a fee-only CFP is the best way to receive unbiased and comprehensive financial advice. Prior to working at Net Worth Advisory Group, Madison worked at another financial advisory firm in Utah where she learned valuable skills to create financial plans for a wide range of clients.
Personal
Madison is originally from Northern California and moved to Utah to go to school. When Madison is not working, she loves to travel with her husband and work on home improvement projects. She also enjoys all the outdoor activities that Utah has to offer, including rock climbing in the summer and skiing in the winter.
Education and Designations
• Bachelors of Science in Personal Financial Planning from Utah Valley University
• Certified Financial Planner (CFP)
Merrit Arnell
Email: merrit@networthadvice.com
Merrit joined Net Worth Advisory Group in April of 2011 as the Director of Operations and Finance. His current position as controller and financial advisor allows him to provide service and support for the firm, advisors and most importantly, our clients. Merrit has a diversified background in the finance, accounting, insurance and construction industries.
Merrit and his wife LynAnn live in South Jordan, Utah and have five children and three grandchildren. They are very active in their local church and community.
Education and Designations
• Certified Financial Planning Program. Boston
• Utah Life, Accident, and Health Producers License
• Bachelor of Science in Business Management – Finance, Brigham Young University
• Notary Public in and for the State of Utah
• Certified Professional Constructor, CPC
Abbie Johnson
Email: abbie@networthadvice.com
Abbie began working for Net Worth Advisory Group as a receptionist in 2011. She now works part-time on Ray LeVitre’s team as a Client Service Manager. She received her Associates’s degree from Salt Lake Community College.
Abbie is married and the mom to a sweet little girl. She enjoys doing Crossfit, spending time with her family and being active in her religious organization.
Ali Rollins
Ali began working for Net Worth Advisory Group in 2014 as an intern. She now works part-time on Ray LeVitre’s team as a Review Prep Specialist. She received her Bachelor’s degree from Southern Utah University in 2019.
Ali is married and is the mom of two active little girls. She enjoys going on outdoor adventures, spending time with her family, and taking care of their cows and horses.
LeAnn Veltri
Email: leann@networthadvice.com
Prior to working at Net Worth Advisory Group, LeAnn worked for Mountain Bell/US West/Qwest telephone for nearly 20 years. LeAnn began her telephone career as a cord-board operator assisting customers in making long-distance calls. She laughingly says that those were the “good old days.”
After her management position was phased out, LeAnn began working for Net Worth Advisory Group as an office manager in 2009. She now works as the Client Service Manager for Ray LeVitre’s team.
LeAnn graduated from the University of Phoenix with a Bachelor’s degree in Business Management. She has five children and three grandchildren who are the light of her life. LeAnn’s hobbies include road cycling, cross-country skiing and doing home-improvement projects. She is actively involved in volunteer work through her religious organization, and she is a volunteer for the American Kidney Foundation as a kidney donor and donations advocate.
Austin Wagstaff
Email: mikesteam@networthadvice.com
Austin began working at Net Worth Advisory Group as a financial planning intern in October 2022. He now works part-time on Mike Berry’s team as a Client Service Manager. Austin is from Arkansas and moved to Utah to go to school. He is recently engaged to be married this April. He and his lovely fiancé love to cook, go on walks, travel, and enjoy art and music together.
He graduated from Brigham Young University in April 2022 with a bachelor's degree in Accounting. He is now in the Master of Financial Planning & Analytics program at Utah Valley University on track to become a CFP. He loves learning about investments, operations, and all things behavioral finance. To him, few things in life are as valuable as financial literacy and peace. He cannot wait to eventually help clients one-on-one as a CFP and financial advisor.
Education
Bachelor's degree in Accounting Brigham Young University in April 2022
Enrolled in Master of Financial Planning & Analytics program at Utah Valley University
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