Justina Smith is a financial advisor at Edward Jones with CFP®, ChFC®, and Series 66 designations and four years of industry experience. She has been with Edward Jones since 2022 and previously worked at the University of Utah from 2015 to 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Gregory Cunningham is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been associated with Raymond James since 2010 and leads Cunningham Wealth Group, a marketing name for his current business operations. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and recent technological advancements.

Paul Tan is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He previously worked for LPL Financial for nine years before joining Wells Fargo Advisors in 2023. In addition to his advisory role, Tan is involved in acting through TMG Acting in Park City, UT. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm employs research and planning tools to develop tailored recommendations across a broad range of planning needs, with clients opting into implementation through various brokerage or advisory programs.

Sandra Berglund is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Randy Mangum is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. Prior to joining Morgan Stanley in 2023, he spent nine years with E*TRADE Capital Management LLC. Outside of his advisory role, he is involved in property management as a rental property landlord. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services that include estate planning and broad investment solutions.

Franklin Etter II is a CFP® with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at WELLS FARGO Advisors from 2013 to 2016. Outside of his advisory role, he holds a 50% ownership in TBD, LLC, a company involved in land investment in Utah. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Sawch is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He has ownership interests in investment-related entities including Ack Capital, LLC, a firm he co-owns with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services that cover a wide range of areas such as retirement, education, risk, and wealth-transfer planning. The firm utilizes proprietary research and tools to develop tailored recommendations delivered through meetings and client summary letters.

Howard Ashlock is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Stifel since 2018. He previously worked at Bank of America and Merrill during an eight-year period from 2010 to 2018. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Jordan Andrew is a financial advisor with OSAIC based in Salt Lake City, UT, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Lincoln Financial Advisors for 14 years before joining OSAIC in 2025. In addition to his advisory role, he acts as an insurance agent offering accident and health, disability, life insurance products, and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing asset-allocation tools, risk assessments, and automated rebalancing in portfolio construction.

Kelly Miller is a financial advisor at Ameriprise with 30 years of industry experience. He holds Series 63, 65, and 66 designations. Miller has been with Ameriprise and its affiliates since 2009. He serves on the Board of Directors for the American Cancer Society. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in investable assets, providing tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools with advisor collaboration to deliver non-discretionary retirement advice.

Denver Smith is a financial advisor with UBS Financial Services in Park City, Utah, holding Series 63 and Series 66 designations and having 18 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he serves as an officer for Dad Force One, a community group that raises funds for school security through events such as crawfish boils and neighborhood scavenger hunts. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Ann Sowder is a financial advisor at OSAIC with 26 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 1999 to 2025. Outside her advisory role, she is also licensed as an insurance agent. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services along with access to third-party investment managers. The firm employs various asset-allocation and portfolio construction tools, supporting both discretionary and non-discretionary account management.

Derek Adams is a financial advisor with LPL Enterprise in Salt Lake City, UT, holding Series 63 and Series 65 licenses and offering 23 years of industry experience. He has worked at Prudential Insurance Company of America since 2002 and was affiliated with Pruco Securities, LLC from 2002 to 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm provides financial planning, model wealth portfolios, and third-party asset management solutions, supported by an integrated platform that combines advisory services with brokerage and insurance products.

Payton Whalen is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and three years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at firms including Massachusetts Mutual Life Insurance Co and Fidelity Investments. Outside of finance, he works as a caddy on a contract basis at Glenwild Golf Club and Spa in Park City, Utah. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Nicole Sutorius is a financial advisor with Wells Fargo Clearing in Holladay, Utah, holding Series 63 and Series 65 licenses and having 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Richard Bingham is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 36 years of industry experience. Richard is the owner of Thor Investments, Inc., a tax preparation business serving individuals and businesses. He also works as an independent contractor for First Western Advisors. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting, utilizing analytical tools and risk profiling to support client goals.