Our Advisors

Our Advisors

Sterling Financial Group is committed to excellence. Sterling is owned and managed by 10 investment and service professionals who pride themselves on the highest standards of professionalism, fiduciary duty, and discretion.

Justin G. Bitner, CFP®, ChFC®


As a wealth manager, Justin helps clients accumulate, advance, and pass on wealth. The goals seem simple, but the complexities of investments, tax, business, estate, and risk management can be overwhelming, which is why Justin’s clients turn to him. Justin acts as the CFO for his clients, who include prominent business owners, executives, professionals, and retirees. For Justin, one of the most rewarding parts of his work is when clients have an “aha” moment: when they leave a meeting, saying that, finally, for the first time, they understand a concept or its importance to their financial plan.

Justin started his career in 1995 and was a founding member of Sterling Financial Group. His firm is focused entirely on the client, and in keeping with that purpose, Sterling Financial has chosen to affiliate with one of the best independent broker/dealers in the country, Commonwealth Financial Network®. Over the years, Justin has received numerous awards and recognitions from Commonwealth, honoring his work with clients and his approach to financial planning. Because of his prominence in the financial services community, Justin has access to some of the top minds in the country, and regularly talks with economists, investment experts, behavioral finance gurus, and many other industry leaders. A sought-after speaker, Justin has helped educate thousands of individuals on topics such as portfolio diversification for volatile markets, economic implications, retirement success strategies, succession planning for business owners, risk management, and behavioral finance.

A graduate of Utah State University with a BS in finance, Justin holds his FINRA Series 7, 63, and 65 securities registrations. Justin has always loved to learn, and he has studied and worked hard to advance his professional expertise over the years. He undertook the grueling coursework and examinations to earn the CERTIFIED FINANCIAL PLANNER designation in 2000, then went on to earn the Chartered Financial Consultant® (ChFC®) and Accredited Investment Fiduciary® (AIF®) designations. Recently, his comprehensive work with retirees has compelled him to undertake the Retirement Income Certified Professional (RICP) designation, so he can ensure that he brings the best ideas on retirement income to his clients’ plans.



Justin and his wife, Celeste, live in Kaysville, Utah, with their five daughters and one son, ranging in age from 20 down to the twins at age 10. Justin’s family is proud to be fourth-generation sheep ranchers, and he jokes that even though he wears a tie to work, he absolutely knows how to get the dirty work done. Justin’s children claim they appreciate the ranch even more than he does and are always eager to visit. Whether it is four-wheeling camping or fishing, Justin loves the time spent there with his family. An avid outdoorsman, Justin enjoys hunting and fly-fishing in the mountains, skiing the fresh powder in the winter, and hitting the golf course in the summer. While some in the Bitner family are crazy for tennis, most of the children are competitive soccer nuts. Justin coached his children’s soccer teams for nine years and was a leader in the Boy Scouts of America for eight years. He serves the youth of his church weekly, preparing them for their volunteer missionary service and sharing insights learned from his own mission in Korea and that of his oldest daughter, who is currently serving her mission in Finland.

Breck Fullmer

Breck graduated from the University of Utah with a degree in finance in 1999. He holds his FINRA Series 6, 7, 63, and 65 securities registrations as a registered representative with Commonwealth Financial Network®, as well as his insurance license.

He has worked with Sterling Financial Group for 10 years, managing investments and personal finances for individuals, small businesses, and organizations. His focus is on wealth management, estate preservation, retirement consulting, and business consulting. He is also experienced in corporate benefits packages, 401(k), health and executive benefits, and other group plans for small and large companies.

Breck has four young children who keep him busy out of the office, but in his spare time, he enjoys playing basketball, water and snow skiing, golfing, and more golfing. 

Jared Horner, CFP®

Jared grew up in Heber City, Utah. He joined Sterling Financial Group in October 1998. He graduated from Utah State University with a BS, majoring in finance and management and minoring in economics. In 2005, he earned his CERTIFIED FINANCIAL PLANNER certification. Jared holds FINRA Series 6, 7, 24, and 66 securities registrations as an investment adviser representative of Commonwealth Financial Network®, member FINRA/SIPC, based out of Waltham, Massachusetts, and San Diego, California. Jared is constantly seeking to educate himself through industry meetings and courses so he can better serve his clients and their families.

Jared lives in Kaysville with his wife and four wonderful children. In his free time, he loves exploring western rivers while fly-fishing and spending time with his family.

Paul Mathewson

Paul earned his bachelor’s degree in finance from Weber State University in 1994. He joined Commonwealth Financial Network® in September 2002 after operating his own business for several years. He holds his FINRA Series 7, 63, and 65 securities registrations as a registered representative of Commonwealth Financial Network, as well as his insurance license.

Paul is a Financial Consultant and partner at Sterling Financial Group, LLC, where he assists his clients in identifying their goals and objectives and helps them build and follow a plan that will help them reach their desired financial destination.

Paul enjoys the outdoors, especially climbing mountains and cycling. He and his lovely wife Jan brought together two families in 2009, which now consists of 9 beautiful children and 6 grand-children. Paul and Jan love to spend time hiking and playing golf when they get the chance.

Travis Nordgren

Travis grew up in Salt Lake City, Utah. He graduated from Ricks College with an associate of science degree in 1996 and from the University of Utah with a BS in business finance in 1998. Travis started his career in the financial services industry as a financial consultant in 1999. In 2002, Travis obtained partnership status with Sterling Financial Group, LLC, and helped in the transition of the company to the award-winning, independent broker/dealer firm of Commonwealth Financial Network®, member FINRA/SIPC. Travis holds his FINRA Series 6, 7, 63, and 65 securities registrations as a registered representative of Commonwealth Financial Network. Travis also has his life and health insurance licenses. As a financial consultant, Travis helps his clients plan for and accomplish their financial goals and objectives by utilizing a comprehensive wealth management planning approach.

Travis and his wife, Mollie, live in Holladay, Utah. They are active in their church and community and feel that it is a wonderful place to live and raise their family. They have two sons and a daughter. In his spare time, Travis loves to travel, golf, and coach various sports teams with his sons, including the Olympus Titans 10U super league baseball team. Travis is involved with many charitable endeavors, including being on the planned gifts giving committee for the Primary Children’s Hospital Foundation, hosting a Christmas fundraiser for the Road Home Shelter of Salt Lake City, and being the Cubmaster for a community Cub Scout group.

Jon Pinnock, CLU®, ChFC®, AIF®

Jon Pinnock grew up in Holladay, a suburb of Salt Lake City, Utah. In 1998, he graduated from the University of Utah with a BA in business. He began his career in the financial services industry as a financial planner with Intermountain Financial Group. In 1997, Jon was a founding principal of Sterling Financial Group. He firmly believes that in order to provide world-class financial service and guidance, an investment professional should be free from the influences present at many of the traditional insurance companies and Wall Street firms.

Since his graduation from college, Jon has continued his education and has received his Chartered Financial Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) designations. He completed a three-year fellowship program in business planning techniques and has received accreditation as an Accredited Investment Fiduciary® (AIF®). Currently, Jon is an investment adviser representative of Commonwealth Financial Network®, member FINRA/SIPC. Jon has taught business planning concepts in an MBA course at Westminster College and asset and portfolio management at the University of Utah, School of Business. In 1992, Jon was elected an officer in the local chapter of the National Association of Insurance and Financial Advisors (NAIFA), and he served as its president in 1995 and 1996. From 2011 to present, Jon has served on the National Retirement Advisory Council for Commonwealth Financial Network.

Outside Interests: From 2009 to 2012, Jon enjoyed serving on the board of the YMCA of Utah and witnessed the charitable work it renders to the community for hundreds of families annually. Since 2012, he has served on the alumni committee and as a board member of The Lowell Bennion Community Service Center, the service arm of the University of Utah.

Jon and his wife, Laura, live in Holladay, not far from where he grew up. They are very happy to be part of their community and feel it is a wonderful place to live with their two sons and two daughters. Jon and Laura are both active in the local schools and are having fun raising and teaching their children. In his free time, Jon enjoys golf and fly-fishing.

Marcus Pinnock

Marcus began his career in financial planning in early 1987 and has enjoyed working closely with his clients for more than 20 years. From 1989 to 1990, he served as chairman of the Ethics Committee of the Utah Chapter of the International Association for Financial Planning.

While attending the University of Utah, Marc majored in business economics, was active in student government, participated in the National Golden Key Honor Society, and was president of the Sigma Chi fraternity.

Marcus served as sales manager for John Hancock Life Insurance Companies in the 1990s and was recognized as its top national sales manager* in 1996. In 1997, he was appointed general agent for John Hancock and continued in that role through 2002, managing his sales force and responsibilities in the states of Utah, Idaho, and Wyoming.

In 1997, Marcus started Sterling Financial Group, LLC. In 2002, he took the firm to Commonwealth Financial Network®, a full-service independent broker/dealer. This step was taken so "we could offer our clients superior products and services with complete independence." This has been one of the best strategic moves enjoyed by associates and clients alike, making Sterling Financial Group the premier comprehensive planning company in the intermountain area.

Marcus and his wife, Jennifer, reside in Holladay with their four children. They enjoy family time, including playing tennis, mountain biking, skiing, boating, scuba diving, and other outdoor activities.

He has served or currently serves on the boards of Hale Center Theatre, American Parkinson Disease Foundation, and the Granite Education Foundation.


*Based solely on production of reps supervised.

John Raybould

John helps clients turn their visions into reality by helping them solve complex financial challenges and reach their personal financial goals. John began his professional career at Sterling Financial Group in 1998 and was made partner in 2002. He has built his consulting practice around helping business owners develop and execute highly effective monetization strategies. His strengths include his extensive work in mergers and acquisitions, his relationships with a broad network of specialists, and his ability to build the best team to maximize his clients' financial success. His list of clients includes prominent private business owners, CEOs, presidents, physicians, and majority shareholders of publicly traded companies.

John is affiliated with Commonwealth Financial Network®, one of the most prominent broker/dealers in the country, and has been among its top consultants since 2002. Because of this, he is frequently asked to speak to wealth managers and industry groups on topics such as leadership, best practices, and investments.

John believes strongly in continued education to ensure that his clients are receiving the absolute best financial consultation and guidance available. John recently attended the prestigious Chairman’s Retreat conference in Boston, Massachusetts, in conjunction with Harvard Business School (HBS). Under the tutelage of two HBS professors, the conference focused on collaborative thought with regard to the current economic, political, and legal environments that businesses are faced with today. Learning opportunities such as these are one of the many ways John stays tuned in to the most pressing financial issues facing his clients.

John graduated cum laude from the University of Utah with a BS in economics and holds the FINRA Series 6, 7, and 66 securities registrations. He lives in Utah with his wife and three beautiful children. He enjoys college sports, fly-fishing, and playing basketball.

Chairman Badge

John Raybould is proud to have been recognized as a Chairman’s Level advisor for 2020—a distinction based on annual production attained by just percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the broker/dealer–RIA that helps us process investment transactions on your behalf, recognizes Chairmans Level advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Chairmans Level advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients. 


Fred G. Scheffner

For the past 25 years, Fred has helped his clients solve their financial problems by providing advice and solutions to their complex world of investing, retirement planning, risk management, and estate and tax planning. His clients include business owners, executives, professionals, prominent Individuals in the community, and many retirees. 

Fred began his professional career in 1995 and was later one of the founding partners of Sterling Financial Group. Sterling Financial Group is affiliated with one of the top independent broker/dealers in the country, Commonwealth Financial Network.® Commonwealth has vast resources that allow Fred access to some of the nation’s brightest people when it comes to investing, retirement planning, estate issues, and understanding ever-changing regulations and tax issues. 

Fred graduated from the University of Utah with a BS in accounting and holds FINRA Series 7, 63, and 65 securities registrations. He has also received accreditation as an Accredited Investment Fiduciary® (AIF®). Fred is committed to putting clients' needs first. Not every advisor is willing to do this. 

Qualified retirement plans are one of Fred’s areas of expertise. He spends much of his time advising and educating clients in this area. He is considered an expert with qualified plans and works with many business clients along the Wasatch Front, helping them navigate the ever-changing regulations in this area. He has taught numerous seminars on financial topics to help clients have a better retirement experience. 

Outside of his financial services practice, Fred is devoted to his family and service. Fred and Ashley have been married for over 25 years. “Ashley is the best thing in my life”. Together they have raised their four boys in Draper, Utah, the last 13 years. They have one son who is married; two in college; one on an LDS Mission, and one a senior in high school. For years, Fred has volunteered his time as a coach in the community. These are cherished memories, watching his boys and their friends compete in various sports. Fred has also spent more than a decade serving in the Boy Scouts of America and serving on the board of Operation Smile. 

The best thing about my professional career is the friendships developed with clients and seeing their families grow. You really become close like family. Now that you know a little more about me, how can I help you?  

Eric Williams

Eric was raised near Seattle, Washington, and later moved to Salt Lake City, Utah. He holds a BA from the University of Utah, where he majored in finance. Eric began his career in the financial services industry working for a local bank, and, in 2001, joined Sterling Financial Group. Eric holds the FINRA Series 7 and 66 securities registrations. He is also an investment adviser representative of Commonwealth Financial Network®, member FINRA/SIPC.

Eric currently lives in Holladay, Utah. In his free time, he enjoys boating, skiing, fishing, and spending time with his wife and four children.