Bringing The Power Of Cryptocurrency And Tokenization To Loans With Aaron Tilton, CEO Of SmartFi

While blockchains and cryptocurrency already have a multitude of use cases, here is another one that you may not have thought of: business loans. SmartFi is a company that specializes in powering loans using tokens. In this episode, we’ll learn how they got into this space. Host Monika Proffitt sits down for a discussion with SmartFi’s CEO and former Utah State Representative, Aaron Tilton, about this exciting new development in the crypto space. Aaron shares how SmartFi got its start and how they pivoted into the crypto market, plus the meaning of their mission statement: “Safety First, Speculation Second.” Learn more news and insights in the token and crypto space by tuning in.

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Bringing The Power Of Cryptocurrency And Tokenization To Loans With Aaron Tilton, CEO Of SmartFi

I’m here with Aaron Tilton, the CEO of SmartFi. Welcome, Aaron. Thank you so much for coming on the show.

Thanks for having us, Monika.

I know you’ve been telling these stories a lot. You’re going to have to repeat yourself, which is fine. It sounds like you’ve been getting a lot of attention on SmartFi and what you’re able to bring to economies that don’t even know they’re being touched by crypto, but bringing the best of blockchain technology and cryptocurrency into existing markets. That’s what SmartFi is focused on. SmartFi is essentially a platform where we lend loans or we fund loans. You do it in a very unique way. I wonder if you can tell me a little bit about the twist on normal lending that you’re doing with cryptocurrency and SmartFi. 

The real twist here is that in a normal lending environment, whether it’s a bank or non-bank lenders, they have institutional money that they go to first. What people don’t realize about lending is that a bank typically doesn’t have all the money that it needs. It goes and it borrows money from another bank or another lender. They generate or originate a loan and then they’ll either sell it to somebody else. That person processes the loan and then they service the loan, but most of it is an institutional activity. Big, giant corporations get cheap dollars from the Federal Reserve or other places or lending.

What we do is we’ve turned that upside down on its head using blockchain technology and allowing the average person to now become a small piece of that lending process. What we would normally do is you could buy a SmartFi token and then we use the proceeds of that token to fund the loan. That allows this process for the average person to be somewhat like a banking experience instead of a trading experience.

It’s a lot less involved but the capital appreciation or the value of the token can appreciate just as much, even if you’re not out there trying to trade it or it doesn’t have the volatility. It resist the bear market experience where it would crash and then jump up. That has muted what we do because it’s more like a banking experience. It tends to just go up as the loan portfolio goes up.

When you buy a SmartFi token, let me just get this straight because I’m thinking about microlending platforms like Kiva where you can help women in Africa start their small by putting $2,000 on a loan. Based on their profile, they’ve paid these back in the past and the risk is there, but it’s not great and so on. Peer-to-peer lending is something that cryptocurrency isn’t required for, although it can be very additive there. When you say into the pool of loans, you’re saying when someone buys a SmartFi token, they’re buying an index fund of all of your loans altogether. It’s going to go up according to how the loans are performing. Is that right?

We don’t tie the value of the token to the interest or any of those things because that would be a security. We don’t sell securities or any of those things. What we do is the more loans as an aggregate total that we have, the price of the token goes up, and so we sell it at a higher price. The basis for that token when you bought it, our original price came out at $0.70, then it’s at $1.29 about four weeks later because the loan portfolio has gone up. We’ve funded loans but the index is built on two pieces. How many tokens are currently available and how many loans have we funded?

With the combination of those two things, we have a set index that says when we sell so many tokens, the price of the token is going to go up. It’s similar to other token sales that people might have participated in before. The difference is it’s not an arbitrary number of how far it goes up. It’s linked to performance and to a value of a loan portfolio so it has something to tie its value to.

Most people in the space know that electricity is a significant component of the cost of mining cryptocurrencies, in particular, Bitcoin. Click To Tweet

That’s an incredible way to work around securities specifics because it seems like it’s so close to security. Yet, it’s just tied to things that are more in flux like the total circulation supply of something and its utility within an ecosystem. That Chinese wall you’ve built is an interesting one to keep you out of the mock of securities law. How long have you been doing whether it’s SmartFi specifically? I think if there’s a Legacy company before this that may be built into it, Power Block Coin? 

We’re a little bit unique in that space. Our company is not new. Our company began in 2007 and we were an energy infrastructure development company. We innovated development processes for large scale infrastructure processes and projects like a new nuclear power plant. We were the developer of a new nuclear power plant. We own an oil and gas pipeline construction business. Our basis in this business is crazy how we got here. I think everybody, or at least most people in the space, know that electricity is a significant component of the cost of mining cryptocurrencies in a particular Bitcoin.

In 2017, ten years after we had started our energy infrastructure business, we started getting calls from people saying, “I would like to have this X amount of power. Do you guys have any?” When I heard the kind of power they were looking for, it’s like the size of a city. I said, “What are you guys doing with all this power?” It could only be a few things. One of which was data centers and that’s what it turned out to be almost but it was mining cryptocurrencies. We had these people saying, “We’re going to build these big projects and we need all this power. We need help finding the power and the location.”

We started helping them find locations for Bitcoin mining facilities in the Western US and an option I got for the projects. In fact, we started dealing with people in China. When it got down to certain aspects of it, it affected one instance particularly in January 2018. The price of cryptocurrency started to fall. It was up at $20,000 at the high. Maybe you remember this point. In 2017, Bitcoin was at $1,700 when we first started talking to people. When it’s up to $20,000, everybody was thinking, “This is never going to end.” It always does. It’s a volatile commodity.

The price came off and went back down to roughly around $3,800 or $3,500. Maybe in some cases, it was $3,200, but it still was up almost double. Everybody had made all these plans thinking it would be $20,000. We had all these cryptocurrency miners come back to us and say, “The project we’re working on, we’ve got to put it on hold because the coins are not worth as much.” Having our background and commodities, we said, “Why don’t we take the structure that we know how to finance in other commodities like oil and gas and electricity and sell a forward price curve so you can give us your crypto? we’ll hold it as collateral, but we will give you the dollars to keep finishing your projects.”

That’s how we started as a non-bank lender. It all started with mining cryptocurrencies and our background in electricity. Oddly enough, those things converged. From that time forward, we would fund anybody. He didn’t have to be a miner. We funded cryptocurrency ATM companies, cryptocurrency private jet companies, and some real estate. You name it. We fund stuff that we have no idea what it was used for. We do loans for anybody as long as they have cryptocurrencies. Going forward, the evolution of that is SmartFi which we’re broadening the scope of how to utilize cryptocurrencies in a simplified way that allows you to engage in what we call the normal economy or the regular economy. That’s our story.

You’ve been in this space for a long time. You’re at the cusp of intersecting several different things that need to be benefiting from one another. It’s amazing what SmartFi has done already to make that happen in the lending space. Not a lot of people like I was and you were around at the last spike and even before that.

I can remember when I first heard about Bitcoin or heard about blockchain for Bitcoin. I remember when I first invested in it and what made me do it. Those are all stories that sound very antiquated now if you look at the prices of things. You think, “Why isn’t she a billionaire?” “She didn’t hold, that’s why.” Can you tell me the story of when you first heard about crypto or blockchain and you thought, “I’m going to start thinking about that?” When was that and what was it about?

It was about April of 2017. I started hearing a little media about it and different things. I didn’t understand. I didn’t know anything about it as most people with any industry. I’ve been around long enough where I remember this happening with the internet. I worked for an ISP. This would’ve been 1999 and that’s very similar. The internet was a few years old on commercial basis. Everybody still had dial-up. I remember getting the CD from AOL in the mail and get a free trial of AOL. I started working as a Director of Sales for this technology company that was building what they called Wide Area Networks.

I won’t bore you with all the details but long story short, I watched that same process happen from the beginning to a crash, and then the steady growth with real business models that made money. There are stories of Pets.com and all these guys. I had the same thoughts in early 2017. Bitcoin was at $1,700 or so. I started thinking about this and whether there was something there, but it never came full steam until I got a call from a neighbor of mine that said, “Don’t you do something with electricity?” I said, “We’re developing a nuclear power plant and a lot of other things that we’ve done in the critical infrastructure space.” He said, “I need some power to my Bitcoin. Do you know anything about Bitcoin?”

That was in April of 2017. When did you hear, “I need some power to mine Bitcoin?”

It was more of April 1st or May. That was it. Once I got introduced to it, it didn’t take me very long. I’ve worked for another company after I worked for the ISP where we built similar technology that the Bitcoin mining servers use, their ASICs or Application Specific Integrated Circuits. We were using field programmable gate arrays and other things. I’m not going to bore you with all that stuff.

Frankly, I was the dumb guy there. I was a sales guy, not the smart technology guy. We built those things. My background in that hardware and software combined with the concept of mining cryptocurrencies and electricity coalesced for about two weeks after we learned about this. I thought, “There is a model here that we can have an impact on.” Over the next several years, it started to evolve.

That’s an early story. It’s wonderful to see that not only SmartFi has been around this long and that you have this experience. You’ve watched multiple full runs and everything else. You’ve thought about the stability of a coin’s value. Until SEC comes up with some new idea of what’s a good idea, then you played by the rules that were set forth so far. Well done.

That goes exactly to the point. The other background that I have, for better or worse, is I was in the state legislature for five years. I was an elected official. I was the Vice-Chair of the Public Utilities and Technology Committee on the House. I helped develop laws related to utilities, technologies, and then also on other committees. You get familiar with the law and also we have done large transactions.

I’m pretty familiar with securities laws and on and on. Combining a lot of those things, our goal was to make technology and a token that had safety first so it could not run afoul of securities and lending laws and all these other things. We designed it that way specifically to make sure that it’s compliant and that we shouldn’t have any issues with regulators, both at the Federal and State levels.

You said something like, “Safety first, speculation second.” That is a very uncommon thing to hear in crypto of any sort. I love that. You talked a bit with me earlier about some commercial loans that you have funded. My background is in tokenizing real estate so I’m very curious about how you’ve gone about this project. Can you tell me a bit about the project that you ended up coming in as a lender and you were able to use crypto to do so?

The first couple of projects that I talked to you about, one of which is still ongoing. The other ones are equipment-backed lending for small businesses. We did our first $2 million over the last two months as test cases. Everything is working well. It’s very simple. Those are the average small business owner that needs $50,000 to $100,000 to invest in their restaurant or construction company or whatever it is. Eighty percent of people are employed by a small business, not a large corporation. From our ideology, that score is what we’re out to help.

That’s where we think that if you have adoption of the technology, it needs to be with 80% of the people in small businesses. That’s why we’re testing that and we’re funding those loans. We have a group that originates the loans for us, and then we use the funds from selling the token to fund those loans. We do it on a portfolio basis. We’re not making the loans directly. Somebody else goes through the process. It takes about 90 days for that loan to be processed. We then fund it and then we own the paper on it, but we have somebody else that services it.

Our goal was to make technology and a token that had safety first so it could not run afoul of securities and lending laws. Click To Tweet

The commercial real estate aspect is interesting. In 2020, we had one of our shareholders on the energy side of the business that owned and does own now a couple of hundred million dollars worth of commercial real estate. They talked about the difficulty in originating those processes. The long nature of the difficulties in dealing with banks, the SBA, and all the craziness around that. We started talking to him and we said, “What if we did this? Would this solve problems for you?” He said, “Yeah. It made this shorter or did this thing.”

We’re still taking a bank approach to underwriting the project where they’ve got to do all the same things that a bank would do, but we’re not regulated by the banking industry. Our approach is much more collaborative like our other cryptocurrency loans, we try to make them quicker but yet still secure. We eliminated some of these things that we worked directly with them on this process. We were able to find a way forward.

It took us about a year. We had to do a lot of infrastructure upgrades and things that we’re doing. We’re still doing it with some software. Long story short, it will be underwritten like a bank would do it but eliminate a lot of the red tape, but provide the same security interest in it. We’re doing a project. The first project is about $18 million. We’ll start funding that here in about 90 days. We’ve already helped fund some homes but they were for commercial investment purposes.

It either did some down payments or some other things with them, but we’re innovating in that lending space, allowing us to build this “Safety first, speculation second” approach. The quality of the portfolio and the amount of the portfolio adds value to the token, not the interest that we earn. The interest, we do some different things with that. I can get into that later if you want to know about that.

I recall you mentioning something about a buyback guarantee. It’s interesting. I don’t think I’ve heard about that in any other cryptocurrency ever. How does the buyback guarantee work? 

I think we’re the only people or any projects that we know of that have a buyback guarantee. What we do is we don’t guarantee the buyback at a current price or some speculative level. When you buy the token, whatever you put in, let’s say it was $100, because the proceeds are going to fund the loans, that value stays. If you don’t like the price of our token a year from now, you can always come back and say, “I want my original purchase price back.” It gives you a hedge. In the trading world, that would be a hedge where you’re staying even or like in a bank. When you take your money to the bank, you expect to get back what you put in.

That’s where we designed the safety first feature. We’re so confident in what we’re doing. With what’s happened over the last few years in our lending process, we know that we’ll always be able to give that back to you because the money doesn’t go anywhere. It goes into a loan. If the value of the token is tied to the increase in the loan portfolio, the price will go up. The likelihood that you’re going to want to give us back your token at a lower price because that’s what you paid for it, you won’t do that. You’ll take the higher price. It’s safety first, speculation second. That’s how the buyback guarantee works.

What are your assets under management with this token, and what does it enable you to do?

With SmartFi in particular, it’s well over $100 million already. When we went live with the SmartFi process and the SmartFi token, which was September 16th, 2021 when we did the launch and the token sale. In the first 24 hours, we sold out eight million tokens for roughly about $5.6 million.

Did you sell to retail investors or accredited only?

This is retail because it’s a token. It was a fair launch. We didn’t do a lot where some large VC group came in and bought a bunch of tokens that they get them cheaper. One because we don’t need that capital and we’ve already been profitable for a long time. Before that launch, we’d already done $1 billion in loans and transactions.

This is the opportunity for the average person to come to buy the token. Our goal is to make cryptocurrencies usable. You don’t have to be some crazy trader and spend your day trading so your cryptocurrencies get value. You can buy it and then watch it. Just check in on it like you would a retirement account or something like that. You’re just watching the performance of a portfolio.

It’s like an index fund, right?

It’s not a fund but the token is indexed to the portfolio of loans. You just watch the loans and watch them go up, then the price of your coin or the value of the token will go up on the secondary market. Here’s again a regulatory issue. The buyback is for what you bought up for, but you can trade it on the secondary market for more. That’s where you would go to get your capital appreciation.

We also want our exchange and were trading that token. We’re helping to make a market in our token so you can go to this secondary market, or over the next 90 days, it should be listed on several other exchanges and you should be able to start going to other places to trade it. That’s where you get your gains from. It’s in the secondary market.

What is the ticker for the SmartFi token?

SMTF.

Smart Money To Friday.

To be clear, you can buy it and trade it on our platform. We have it on our exchange. We don’t need to go to other exchanges, but we will be doing that for more liquidity. It’s always better to have more liquidity than to be traded in other places. In the next several months, that’s part of our roadmap. It’s multiple exchanges trading. The token we already have are in discussions with these other platforms and other exchanges, and we’ll bring that forward.

It’s safety first, speculation second. Click To Tweet

If I was an average person that just learned about this. It’s the first time I hear about SmartFi. Where do we learn more and make sure it’s right for me, then I look at the brisk of it, the tolerance that I have for that, figure out if I want to buy any or learn more? Where would I go and where would you think is the best entry point? Is it buy a token and learn by watching that? If you buy it, it gives you skin in the game so you want to become educated. Is it scour your knowledge base and your FAQs? Is it joining your Telegram community? Where do you think is the best place for the average person to learn the most about any cryptocurrency they’re interested in, especially one that has a platform and such direct involvement in existing markets? How do they learn more? What’s the best first step?

My aunt came to me. She’s a computer programmer but knows nothing about cryptocurrency. She’s very technical but very interested in her retirement program and all of these other things that she’s doing. She asked me that exact same question, “What should I buy? What would I buy first?” Here’s what I would tell everybody after being in the space for years and doing over $1 billion worth of transactions and all these things, “Safety first, speculation second,” especially for somebody who is looking at retirement, looking at cryptocurrency as something they would put in their portfolio but don’t necessarily have ten years to wait for it to perform or if we go into a bear market.

What I would do is two things. You could go to SmartFi.com. We have our exchange. You can buy all the cryptocurrencies there if you want, in terms of the ones that we carry. They’re in the top ten in the marketplace, which is a good place to start. More liquidity is better. Bitcoin and Ethereum have good liquidity. The other ones are less liquidity but they’re still widely traded.

I would look at if I have a portion of my funds that are going to be high risk, and then a portion that is going to be low risk but high return. That’s how we would categorize SmartFi. Because of the buyback guarantee, you know that you can always get your money back. The performance of the SmartFi token is up at 84% in four weeks. It’s a good return. That’s a good one to take as well.

I had my brother-in-law buy Bitcoin. He bought it at the peak, which was roughly $50,000 or just below the peak before it hit the peak. For a while, he was worried. He was like, “The price is back under what I bought it for.” This volatility is the thing that most people need to understand. That’s part of cryptocurrencies. They’re going to be highly volatile.

The SmartFi token is a little different. Because of the index, it doesn’t have that kind of volatility. It resists bear market volatility. Those are your two choices when you come to our platform but they both provide the same returns. I don’t know that Bitcoin is up 84% in the last few weeks, but it’s certainly up. You can go to SmartFi. We have blogs on the safety first, speculation second approach on the SmartFi token. You can look at the Tokenomics behind that, but you can buy other cryptocurrencies there as well. That’s the approach I would look at.

That’s exactly what I would tell, especially anybody who by whatever metrics own, or just by an algorithm metric that they don’t have a high-risk tolerance, older in years, is closer to retirement, etc. Be cautious. For anybody, even if they’re twenty years old and they are highly speculative, why treat it like a casino when you can treat it like something that truly will get you a return?

That’s what we saw in the market and said, “There needs to be a token that does this, that has an index. It’s safety first.” Regardless of your age or when you buy it or whatever happens to it, you have the assurance. It’s a bank-like experience or retirement experience, not a casino experience or a trading experience. There is a cryptocurrency out there that can provide safety first and provide those speculative returns that are double or triple-digit.

I guess this is a little bit nerdy but we’ve done the zero to blockchain level of how to start the conversation. What is the total circulating supply? Are you managing that by only minting as there are loans to back it? Is it one-to-one? You said that its price would fluctuate based on how it was deployed and how many were available. Can you talk a bit about that?

SMTF is a Binance Smart Chain token. It’s a BEP-20 token. A lot of wallets are capable of holding a BEP-20 token and the fees are less. Maybe I’ll just give you a little tidbit here for 2022. We are doing our own clone of the Ethereum virtual machine platform. In 2022, we’ll have our token and our process. We already have our own blockchain. All of that will be enabled in a decentralized process for our lending and everything that we do. We have a centralized portal and we’re testing all that. We’re doing all that stuff. We’re putting all of our transactions through there and has all the security screening we’ve done. We do audits regularly. All that stuff is done.

Going to a decentralized world is the next thing that we do in 2022. In fact, we have a lot of developers from the Komodo Community if you’re familiar with that blockchain. They are engaged in what we’re doing and those developers are building a lot of our technology for this process. The token is a BEP-20 token. In that process, what we would be doing now for the token and for where we’re going, the supply is one billion. That’s all that there will be. There’s a reason for that specifically. The supply is already minted so it’s available. There is no mining on that.

There is going to be a mining process in our structure. We don’t have time to get into all that. Maybe that’s another episode for another time. That’s more techno-geeking out on there. Long story short, we have a process where you can mine stable coins that will then fund loans. This is all based around lending, but people can buy the token. There are a billion of them. Every time they’re purchased at a certain amount, the supply is diminished. It uses a deflationary aspect, but then the price on the index goes up.

Are you burning any tokens?

We do not burn tokens. We don’t need to because of the index. The deflation comes from increasing the price, not decreasing supply. It’s very similar in that process. We just use pricing instead of tokens as a lending key. You can build up a large portfolio quickly. That’s how that works.

There’s a tier of however many are purchased, it just changes their price automatically.

We just starts selling it for a higher price. No matter if people are buying it or not, we leave it there at that price. We will never change that price until the token is bought out. We have no incentive to drop the price, those kinds of things. Here is one of the interesting things that we’re doing again in the future. Our lending platform has a monetary policy. Think about this process. The Federal Reserve has a board that says, “We want to increase the interest rates, lower the interest rates, increase the money supply or decrease it.” The token has that voting right built into it.

Later on, in the next 90 days, people will be able to start voting on that type of aspect of the monetary supply, so the interest rates will be set. It’s a little bit like training wheels for the users. They don’t get to pick the interest rate because they don’t know all the economics behind what we’re doing, but they can say, “Let’s increase it or decrease it.” We’ll pick the rate that we think is right for the portfolio and those kinds of things. I’ll give you an example of where that would come into play. Let’s say we have sold more tokens than we have loans to fund, which is a lot harder to do.

We have way more demand than we have sales for tokens. Let’s say that occurred. The token holders could say, “We’ve got all this cash sitting around. Let’s drop the interest rate,” which means more people will borrow more money, which increases the price of the token. It’s a self-reinforcing cycle. We could go the other way, which is the condition we have which is we have way more loans than we can fund.

We want to generate more interest in the token. We try to rapidly get the price of the token to increase. We are funding a lot of the loans that are already there. We’ve already funded them with SmartFi finances or the money that we have already. That rapidly makes the coin appreciate in value. That’s why it went up 84% in four weeks. The more we get the token to appreciate, the more loans we can fund.

One thing that you can’t do is what the Fed just did with the United States dollar, where they were like, “We’re going to print more.” That’s the one thing you can’t do.

It’s always better to have more liquidity than to be traded to other places. Click To Tweet

We have the opposite incentive. That’s why it’s deflation ready. We don’t have a drag on paying for the interest on the debt and the treasuries, and all those things. What happens is the token holders end up being like the board of the Federal Reserve. They can vote on it. The metrics that they can look at and increase or decrease the price. They have the ability to influence the price of the token that they hold by voting.

That is such an interesting innovation to come out of, and be ahead of this debacle riddling the US dollar and the United States economy. I love this on many levels. SmartFi is smart finance but for so many more long-reaching reasons than just funding loans in a new decentralized way.

Just like what’s happening with funding these small business loans, we can decide the people involved in our platform and what we’re doing. The token holders can decide how to help small businesses. They can increase the rates or decrease them. You see how we can do the same thing that the Federal Reserve would do, but we don’t have any of the baggage. We don’t have any of the craziness that goes along with politics and all these other things. We’re already having an impact.

This is far-reaching for monetary policy as well as political and governance issues that are being resolved in a new way. I’m very excited about SmartFi. I’m glad you are here to educate our readers. This is a wonderful conversation for me as well. I’m so glad we’re in touch now because I have lots of follow-up questions for you. I hope that we can do a follow-up and dive into some of those deeper aspects. I go back and circle with people for a second interview many times. I’m sure you’re going to be on my roster of like, “Knock, knock. Are you ready for a second one?”

We’d love to give you an update and tell you, “Here’s where it is now. Here’s what it’s doing. Here are all the small businesses that we’ve helped this far. Here’s what we did with our current commercial real estate tests,” and show what we’re doing in an economy where people have no idea that crypto is funding their loans.

I’m glad that you were able to take the time and talk with me and explain this. You talked to me like I’m five and you also talked to me like I’m not five. I appreciate you taking the time. Thank you so much.

I appreciate the time as well. Thank you.

Thank you so much, Aaron. It’s been fantastic talking with you. I‘m here with Aaron Tilton, the CEO of SmartFi. Thank you so much and we’ll catch you in the next episode.

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About Aaron J. Tilton

Aaron is President, CEO and Chairman of the Board of Blue Castle Holdings, Inc. the parent corporation of Power Block Coin, LLC.  Blue Castle Holdings formed Power Block Coin, LLC in response to the growing demand for electricity in the cryptocurrency mining market in 2017. Power Block Coin also responded to the cryptocurrency market demand for loans by becoming a non-bank lender in 2018.

After founding Blue Castle Holdings, Aaron has overseen the acquisition, development of all assets and political strategies for the developments of a new two-unit nuclear power plant project.

Previous to founding Blue Castle Holdings he developed and negotiated offtake and power purchase agreements with municipal and investor owned utilities throughout the Southwest for two new power projects in the region. Aaron advised a venture capital firm on state regulatory matters for a first of a kind online pharmacy that utilized an online medical consultation. He has broad experience in pharmacy automation software and hardware solutions.

Aaron is a former Utah State Representative, having originally been appointed to the seat by Governor Walker when it was prematurely vacated. He was formally elected to the position in 2004, and again re-elected in 2006. Aaron served on the following committees,

• House Public Utilities and Technology Committee (Vice Chair)
• House Retirement and Independent Entities Committee (Vice Chair)
• Public Education Appropriations Subcommittee
• Interim Revenue and Taxation Committee
• Health and Human Services Appropriations Subcommittee

Aaron is a Utah native where he lives with his family. He is active in his church and loves to ride Motocross with his son.

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