Michelle Bennett is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She worked previously at Morgan Stanley Smith Barney for nine years before joining Merrill in 2018. Outside of financial services, she is co-owner of a construction company where she assists occasionally with bookkeeping. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Rebecca Spencer is a financial advisor at Osaic with ten years of industry experience and holds the Series 66 designation. She has worked at SagePoint Financial, Inc. since 2018 and has been involved in homemaking activities since 2002. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Rachel Moss is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 credentials and has two years of industry experience. Prior to joining Raymond James, she held various roles including ownership and CEO of First Financial Advisors. Moss has experience in business management outside finance, notably in fitness and entertainment sectors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and supports municipal and public finance work through its unique affiliations and specialized advisory programs.

Spencer Oman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2006 and joined Merrill Lynch in 2012. Spencer focuses on helping clients grow their assets through detailed wealth strategies and emphasizes personalized financial planning tailored to individual goals. His expertise includes financial planning, budgeting and forecasting, risk management, and optimizing investment portfolios. Spencer holds the Certified Financial Planner (CFP) certification and a Master of Real Estate Development. He earned a Bachelor's degree from Brigham Young University and a Master's degree from the University of Utah. Spencer is committed to client care and values clear communication and personalized engagement. He has been involved in community activities such as Utah Valley Aquatics.

Saysha Meyers is a Benefits & Planning Consultant specializing in Executive Services. She collaborates with clients to optimize employee benefits as part of their overall financial plans. Utilizing Fidelity's planning principles and tools, she aims to provide strategies that address clients' monetary needs and goals. Through an educational approach, she supports clients in increasing awareness and making research-based decisions regarding their financial futures. Saysha's professional experience at Fidelity Investments includes roles as Investment Solutions Representative III (2024-2025), Investment Solutions Representative II (2024), Investment Solutions Representative I (2023-2024), High Net Worth Service Associate I (2022-2023), and Customer Relationship Advocate (2021-2022). She holds insurance licenses in Arkansas and California. Outside of work, Saysha engages in family activities, social events with friends, outdoor adventures such as snowboarding, traveling, and volunteering.

Bryce Carbee is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. His background includes roles at Primerica Financial Services, Allied Universal, and BYU-Idaho. In addition to advisory services, he is involved in sales of non-investment products such as home security and automation through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-delivery investment strategies managed by unaffiliated asset managers and offers trade execution and custody support through established partners.

Robert Collins is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 33 years of experience in the financial services industry, specializing in areas such as family wealth management strategies, personal retirement planning, portfolio management services, and individual and corporate investment strategy. Robert's approach centers on developing personalized financial strategies tailored to help clients pursue their long-term goals. Robert holds a Bachelor's degree and a Master of Business Administration (MBA) from Brigham Young University. He has earned the Personal Investment Advisor (PIA) designation and is fluent in English and Thai. In addition to his professional work, Robert actively participates in community organizations including the Boys and Girls Club of Utah County, the Salvation Army, and the Utah Valley Healthcare Foundation. A native of Utah, Robert enjoys a variety of outdoor activities including golfing, hiking, skiing, tennis, and traveling. He values spending time with his wife, Mitzi Roberts, their four grown children, and four grandchildren, often engaging with them in outdoor pursuits. Robert's commitment to both his clients and community reflects his deep-rooted dedication to service and family.

Selina Raass is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the CFP® designation as well as Series 63 and Series 65 licenses. Her prior work includes roles at Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools.

William Wilde is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Cetera Advisors LLC since 2013. Outside of his advisory role, he presents seminars aimed at educating clients and the public on financial topics. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Michael Frandsen is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Cambridge since 2016, with prior experience that includes a role at the Church of Jesus Christ of Latter-day Saints. Frandsen is also the founder of MDF Holdings, a real estate venture based in Provo, UT. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Chad Looman is a financial advisor with Edward Jones in Springville, UT, holding a Series 66 designation and six years of industry experience. Before joining Edward Jones in 2019, he worked at Young Living Essential Oils and operated his own event planning business, Looman Events / Date Night for 2. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and affiliated financial products. The firm manages over $1 trillion in assets and offers strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and tax-efficient services under a fiduciary standard.

Tyler Burtenshaw is a financial advisor with J.P. Morgan Securities in Provo, UT, holding Series 63 and Series 65 credentials and two years of industry experience. His prior roles include positions at Morgan Stanley/E*Trade and Oneamerica Securities, Inc. He has also been involved with Life Changing Services outside of his advisory career. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Tyler Romney is a CFP® professional affiliated with LPL Financial with eight years of industry experience. He has been with LPL Financial since 2017 and has worked at Mountain America Credit Union since 2014. Outside of his advisory roles, he serves as an entertainment supervisor for Open Air Entertainment Inc. in Saratoga Springs, UT. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Joseph Elieson is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Camelback Strategy and The Bold Group, as well as work related to Brigham Young University. He was also a full-time student at BYU from 2020 to 2023. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Nicholas Nadauld is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Young, Hullinger, Roundy and Associates team. He focuses on preparing and executing wealth plans and strategies tailored for high net worth families and individuals. His role involves asset management and delivering client solutions and services. Nicholas has expertise in areas including legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, special needs planning strategies, individual and corporate investment strategy, and retirement income. He works to provide solutions designed for retirement goals, investment management, banking, trust and estate planning services, and multi-generational wealth transfers. He holds a Bachelor's Degree in Finance with an emphasis in asset management from Brigham Young University and is a Personal Investment Advisor (PIA). Nicholas is bilingual in French and English. Outside of his professional work, he is involved with the Church of Jesus Christ of Latter Day Saints and enjoys basketball, boating, football, golfing, and skiing.

Kyle Petersen is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he partners with clients to help them maximize their Fidelity benefits and financial opportunities, with a focus on integrating workplace benefits into their overall financial strategies and identifying planning opportunities. Kyle has held several positions within Fidelity Investments since 2022, including Investment Solutions Representative at various levels and High Net Worth Associate. He holds insurance licenses in Arkansas and California, supporting his work in financial planning and benefits consulting. Outside of his professional duties, Kyle has interests in baseball, comedy, football, and golf.

Mark Myers is a CFP® professional with 26 years of industry experience, currently affiliated with Raymond James Financial. He has operated Myers Financial Services LLC since 2014 and is also involved in managing a family trust that owns his business office space. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and investment consulting supported by analytical tools and maintains unique institutional affiliations and specialized advisory programs.

Cooper Sutton is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping individuals and families navigate various aspects of financial planning, including college education planning, employee benefits planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Cooper holds a Bachelor's Degree from Brigham Young University and has earned the designation of Personal Investment Advisor (PIA). He is committed to providing personalized guidance and aims to simplify financial complexities for his clients, helping them pursue their financial goals with confidence. In his personal time, Cooper enjoys camping, football, hiking, and pickleball.

Neil Hullinger serves as the Senior Resident Director and Wealth Management Advisor at the Merrill Lynch Wealth Management office in Provo, Utah. He has been with Merrill Lynch since 1997, joining the firm alongside his father, David Hullinger, who began with the company in 1973. Neil holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) certification. He graduated from Utah Valley University with a bachelor's degree from the business school, emphasizing finance. Throughout his career, Neil has focused on areas including family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He and his team have contributed to Merrill Lynch and Bank of America's longstanding presence in Utah County for over five decades. Neil has been recognized as a top advisor in Utah by Forbes Magazine in multiple years. Neil lives in Mapleton, Utah with his wife Amy and their six children. He is actively involved in community and church activities, including coaching high school basketball for 25 years and supporting the Live wElle Foundation.

William Marshall is a financial advisor with J.P. Morgan Securities in Orem, Utah, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2016. Outside of his advisory role, he is involved in e-commerce through ownership and partnership in Amazon store businesses. J.P. Morgan Securities primarily provides investment consulting and advisory services to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm offers customized, non-discretionary advice with a focus on ESG criteria and access to a wide range of investment products through its broader banking and broker-dealer affiliations.