Our Professionals

Daniel J. Luke, CFP®
Daniel Luke is co-founder and Chief Executive Officer of Diversified Financial Planning, Inc. and the DFP group of companies. Mr. Luke has been in the finance business since 1993. Prior to founding DFP, he was involved in the banking industry. He spent 3 years with Zion's Bank and two years with First Utah Bank. He became a principal mortgage broker and was responsible for the oversight, origination and procurement of over $100 million of real estate loans. Mr. Luke joined Mutual of New York in 2001 (later acquired by AXA Financial) and as an investment advisor and registered representative, he analyzed and managed client portfolios. In 2011 Mr. Luke helped found DFPG Investments, Inc., a FINRA member firm. He currently serves on the investment committee of DFPG Investments, Inc., assisting the committee in research and analysis of a broad base of investment offerings.

For nearly a decade, Mr. Luke has been an endorsed local provider for New York Times best-selling author and nationally syndicated radio and talk show host, Dave Ramsey. He has also been recommended by the Utah State Bar Association since 2005. Mr. Luke is recognized for his in-depth knowledge of financial planning and has been asked to speak and present at dozens of Dave Ramsey's Financial Peace University courses across the western United States as well as other industry sponsored events.

Dan and his wife M'Lisa reside in Sandy, Utah with their 4 boys. Dan is an avid water-skier and snow-skier and enjoys his time with family and friends.

Securities Licenses and Education:

Certified Financial Planner™
Bachelor of Arts Degree in Finance from the University of Utah
Series 7 General Securities Representative
Series 63 Uniform Securities License
Series 66 Registered Investment Advisor
Principal Mortgage License
Insurance Licenses: Life, Accident & Health, Disability,
Property & Casualty, Variable Contracts

Ryan O. Smith
Ryan Smith is co-founder and President of Diversified Financial Planning, Inc. and the DFP group of companies. Mr. Smith has been in the finance and investment business since 2001. Prior to founding DFP, he was a registered representative with Mutual of New York as well as AXA Financial, analyzing investments and managing client portfolios. Mr. Smith is an endorsed local provider for New York Times best-selling author and nationally syndicated talk show host Dave Ramsey. Mr. Smith and his team of analysts, account managers and advisors currently manage over $100 million of investment assets in a diversified mix of investment offerings.

In 2011, Mr. Smith helped found DFPG Investments, Inc., a FINRA member firm with representatives across the United States. He currently serves as President & CEO of DFPG Investments, Inc.

Mr. Smith also specializes in securitized commercial real estate analysis and capital funding. He currently serves on the investment committee for DFPG Investments, Inc. after having been on the investment committee for another broker dealer who specialized in securitized commercial real estate offerings. This committee developed proprietary real estate due diligence models and reviewed hundreds of commercial real estate offerings, including assets in office, retail, multi-family, oil & gas, industrial, self storage and more. This committee was responsible for the review of over $4 billion of real estate assets.

Ryan and his wife Alisha reside in Cottonwood Heights, Utah with their two daughters. He enjoys sports, reading and traveling with his family.

Securities Licenses and Education:

Bachelor of Science Degree in Economics from the University of Utah
Series 7 General Securities Representative
Series 63 Uniform Securities License
Series 66 Registered Investment Advisor
Series 24 General Securities Principal
Insurance Licenses: Life, Accident & Health, Disability,
Property & Casualty, Variable Contracts

Chris L. Cook
Chris Cook is a registered representative for Diversified Financial Planning, Inc., a branch office of DFPG Investments, Inc. Mr. Cook has been in the investment and insurance industry since 1998, joining DFP in August of 2009. Previously, he worked at Charles Schwab and Fidelity Investments managing client portfolios as an Investment and Fixed Income Analyst. Mr. Cook has worked with hundreds of investors in developing financial plans and analyzing investment options. He currently serves on the investment committee for DFPG Investments, Inc. and has helped create many of the due diligence procedures for this committee.

Chris' contributions have helped propel Diversified Financial Planning, Inc. into the Utah 100, which recognizes the 100 fastest growing companies in Utah. He has also played an important role in DFP’s inclusion in the 2010 and 2011 NABCAP Premier Advisor list.

Chris resides in Lehi Utah with his wife Christy and their four children. He enjoys golf, basketball, traveling and time with his family and friends.

Securities Licenses and Education:

Bachelor of Science Degree in Finance from Utah Valley University
Series 7 General Securities Representative
Series 65 Uniform Securities License / Registered Investment Advisor
Insurance Licenses: Life, Accident & Health, Disability, Variable Contracts

J.R. Broadbent
J. R. Broadbent began his financial services career in 1998 as a general practitioner. Since 2001, he has focused on investment real estate. Mr. Broadbent takes great care in his due diligence before making recommendations and monitors the performance after closings. He has assisted investors in purchasing properties at a value nearing $250 million.

J. R. enjoys spending time with his four daughters and wife, Alisa.

Securities Licenses and Education:

Bachelor of Science Degree in Finance from the University of Utah (Cum Laude)
Series 7 General Securities Representative
Series 63 Uniform Securities License
Series 24 General Securities Principal
Utah Real Estate License

Richard Morris, MBA
Rick Morris has been in the finance and insurance industry for 26 years. Mr. Morris joined DFP in 2008 as Director of Insurance Sales and is responsible for founding and creating the Property & Casualty division of DFP Insurance, Inc. Mr. Morris is one of the leading auto and home insurance producers in Utah for multiple insurance carriers and has won multiple production awards since founding the Property & Casualty division of DFP Insurance, Inc. Mr. Morris is also the endorsed local provider for auto and home insurance for the New York Times best-selling author and nationally syndicated talk show host Dave Ramsey.

Prior to joining DFP, Mr. Morris worked in the insurance and finance industry in many locations throughout the world, including; Dallas Texas, Detroit Michigan, Sydney Australia, Seattle Washington and Salt Lake City Utah. His extensive finance experience coupled with his insurance expertise allows him to provide a comprehensive review and analysis of his client's risk management and asset protection needs.

Rick resides in Riverton, Utah with his wife Charmaine. He has 4 children and 4 step-children. Rick is an accomplished singer and enjoys golf and traveling.

Education and Licenses:

Bachelor of Science Degree in Finance from Brigham Young University (1984)
Master of Business Administration (MBA) from the University of Utah (2000)
Utah State Insurance License in Life, Accident & Health, Disability,
Property & Casualty

Michelle B. Carter
Michelle Carter has been in the finance industry since 2002, with extensive experience in insurances and mortgages as well as experience in operations for DFP's investments division. She was one of the original team members when DFP was founded in 2004 and is responsible for the development and implementation of many of DFP's current operational and administrative processes.

Upon joining DFP, Ms. Carter obtained her Utah State Life Insurance and Accident & Health Insurance Licenses. She has served in multiple capacities at DFP, including Client Account Manager, Loan Processor and currently as an Operations Manager. She has overseen the processing and transfer of thousands of investment accounts, helped process over $10 million of residential loans and managed the underwriting and operations process for DFP's insurance division.

Michelle resides in Cedar Hills, Utah with her husband Kevin and her son and daughter. She enjoys gardening, baking, learning new things and implementing new ideas.

Education and Licenses:

Series 7- General Securities Representatives
Series 63- Uniform Securities License
Life, Accident & Health Insurance Licenses

Alisha Sperlik
Alisha Sperlik has been involved in the finance and investment industry for nearly a decade. From 2001 to 2004, she was client account manager at Morgan Stanley in Chicago Illinois. In 2004, she became an area sales representative for American Funds and Capital Bank & Trust, one of the world's largest mutual fund companies. In 2009, she became an associate financial representative for Northwestern Mutual in Seattle, Washington and then Salt Lake City, Utah. Ms. Sperlik joined DFP in December of 2010 as an Associate Advisor and Director of Business Development. She assists in DFP's ongoing client education initiatives and directs the marketing division of DFP.

Alisha resides in Salt Lake City, Utah with her husband Kris. She is an avid sports fan and enjoys playing basketball and volleyball as well as hiking, biking and camping.

Education and Licenses:

Series 7- General Securities Representatives
Series 63- Uniform Securities License
Life, Accident & Health Insurance Licenses

Shelley Smith
Shelley Smith joined DFP in the fall of 2009 and currently serves as Office Manager. Prior to becoming Office Manager, she assisted in client account management and operations, handling the management, scheduling and review process for clients. Prior to joining DFP, she has spent over 20 years in management at multiple national and local companies. Ms. Smith oversees the day to day operations and administrative duties of Diversified Financial Planning and the DFP group of companies.

Shelley resides in Riverton, Utah and has 4 children and 9 grandchildren. She is an accomplished singer and enjoys spending time with her children and grandchildren.

Maryanne Mauss
Maryanne Mauss joined DFP in February 2010 as a Client Account Manager, overseeing the client scheduling, planning and review process for 3 financial advisors and hundreds of investment and insurance clients. She also assists in business development and educational event planning for DFP's client education seminars. Prior to joining DFP, Ms. Mauss spent over 20 years in management, sales and human resources.

Maryanne resides in Cottonwood Heights, Utah with her husband Dan. She has 4 children and 11 grandchildren. She enjoys spending time with her family and is an avid runner, having completed 7 marathons.

Brooke Turley
Brooke Turley joined DFP Insurance, Inc. in November of 2010 as an insurance account manager. In July of 2011, Ms. Turley took over the sales and servicing for DFP's health insurance division. She assists individuals and families with their health insurance needs. She holds an active Utah State Life Insurance and Accident & Health insurance license, as well as a Property & Casualty license. DFP Insurance, Inc. and their team of insurance agents, include top producers in the state of Utah for Life Insurance, Health Insurance as well as Auto and Home Insurance. Ms. Turley's organizational skills and expertise in client servicing is a key to the success of DFP Insurance, Inc. and most importantly to the thousands of insurance clients managed at DFP.

Brooke resides in Holladay, Utah and has 4 children. She enjoys traveling, sports, singing, the outdoors and spending time with friends and family.

Melinda Wallis
Melinda Wallis has been in the real estate, mortgage and title & escrow business for over 10 years. She joined DFP in the fall of 2010 to head up the processing of residential loans through DFP's lending division. She holds an active Utah State Real Estate License as well as an Escrow License.

Melinda and her husband Mike reside in Cedar Hills, Utah with their 3 children. She enjoys being a Mom, traveling, shopping and anything outdoors.

Angela Hardy
Angela Hardy joined DFP in 2011 as a client account manager. Prior to joining DFP Ms. Hardy spent 3 years in the banking industry. She worked for Key Bank as well as University of Utah Credit Union. As a client account manager, Ms. Hardy assists the clients of DFP with the establishment of their accounts and insurance policies and assists the representatives of DFP with the servicing of client accounts.

Angela resides in Bountiful, Utah with her 3 children. She enjoys running, reading
and music.

Amber Osmond
Amber Osmond joined DFP in 2011 as a client account manager. Prior to joining DFP, Ms. Osmond spent time with Ameriprise Financial as well as Northwestern Mutual, assisting advisors with marketing and business development as well as client servicing. She holds an active Utah State Life and Health Insurance license as well as a Bachelors of Science in Business Marketing from the University of Utah. Ms. Osmond brings her industry experience to DFP and will be assisting the advisors and clients with account establishment, implementation of financial plans and account servicing.

Amber Osmond resides in North Salt Lake, Utah with her daughter Shaylee. She enjoys reading, traveling, music, art and home crafts.