Timothy Payne is a CFP® professional with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for seven years. He holds Series 63 and Series 65 licenses and is based in Salt Lake City, UT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Todd Denning is a financial advisor at Fidelity with Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at Fidelity since 1999, including roles with Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts and model portfolios.

William Meigs is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and tax minimization, focusing on helping clients develop strategies to pursue their financial goals. With a comprehensive approach to financial advising, William takes time to understand what is important to his clients and their families. He provides assistance ranging from general investing to retirement planning and preparing for unexpected financial needs. William utilizes the resources available through Merrill Lynch and the banking capabilities of Bank of America to support his clients' financial futures. William holds a Bachelor's Degree from the University of Georgia and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, he enjoys activities such as bowling, fishing, golfing, running, skiing, soccer, surfing, traveling, and spending time with his family.

Christian Marinos is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with various Fidelity entities since 2005. Outside of his advisory role, he is involved in commercial fishing in Alaska, where he also sells salmon directly to customers. Christian is associated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including multi-manager and fund-of-funds structures.

Lori Morgan is a Planning Consultant at Fidelity Investments, a position she has held since 2023. She brings over 25 years of experience in the financial industry to her role. Prior to her current position, Lori held several roles at Fidelity Investments, including Senior Relationship Manager from 2006 to 2023 and Relationship Manager for High Net Worth clients from 2005 to 2006. Before joining Fidelity, she worked as a Service Manager in New Business at Lincoln Financial from 2000 to 2005. Throughout her career, Lori has focused on providing a high level of customer service by offering access to tools and resources that support both advisors and their clients. Her extensive experience allows her to provide valuable support tailored to client needs. Outside of her professional work, Lori is interested in baseball, fishing, social events with friends, pets, and volunteering.

Alex Love is the Vice President and Financial Consultant at Fidelity Investments, a role held since 2017. Alex has been with Fidelity Investments since 2008, progressing through various positions including Director of Retirement Planning, Financial Consultant, Investment Consultant, and Retirement Relationship Manager. This extensive experience has provided Alex with a comprehensive understanding of financial consulting and retirement planning. As a Certified Financial Planner™, Alex focuses on retirement planning tailored to the specific needs of clients, emphasizing education and goal-based planning. Alex holds insurance licenses in Arkansas and California. Outside of professional responsibilities, Alex has personal interests that include family activities, fitness, football, snowboarding, and traveling.

Jet Ngu is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Brookfield Properties and the United States Postal Service, as well as an academic position at the University of Utah. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its use of AI-driven research and its advisory role to multiple registered investment companies.

Devin Heward is a financial advisor at Fidelity with a Series 66 designation. He joined Fidelity Investments in 2025 and has prior work experience in the telecommunications and retail sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and offers advisory roles to several registered investment companies and fund-of-funds.

Tyler Keyes is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and 7 years of industry experience. He has worked at Wells Fargo Clearing Services since 2009. 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 advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Toner is Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2011. In this role, he works with clients to identify their financial goals and develop strategies to effectively utilize their assets toward achieving those objectives. He holds insurance licenses in Arkansas and California, which support his ability to provide comprehensive financial planning services. Richard's approach centers on collaborative planning to create tailored wealth strategies aligned with client outcomes.

Brady Beck is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining Ameriprise, he worked at Land Rover Centerville and has held various roles within Ameriprise since 2017. Outside of his advisory work, he sells jewelry at a local artists market and assists part-time with framing and gallery duties at Brushworks Gallery in Salt Lake City. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Brytt Christensen is a financial advisor at Wells Fargo Advisors with nine years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at E*Trade Securities, Elevated Capital Advisors, and the Ettain Group. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutions with a broad array of financial planning and investment services. The firm offers specialized planning services and integrates advisory offerings with other financial products through multiple compensation arrangements.

Yerik Valbuena is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity in 2025, he worked in various roles in the automotive and service industries. Outside of advising, he is involved as a registered agent for a floral and nail services business and operates ecommerce and personal car rental ventures. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Stephen Ninow is a financial advisor with UBS Financial Services in Salt Lake City, UT, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, Northwestern Mutual Investment Services, and Durham Jones and Pinegar. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, leveraging proprietary research and model-based asset allocations. The firm integrates institutional trading capabilities with wealth management services, offering a comprehensive platform that includes custody, underwriting, and capital markets solutions.

Brooke Dewaal is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. She has worked with various Fidelity entities since 2011, including Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity BROKERAGE SERVICES LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including offering discretionary portfolio management, fund advisory, and model portfolios constructed through a combination of proprietary research, quantitative analysis, and algorithmic methods.

Mathew Morrison is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity Investments since 2007, progressing through various roles including Financial Consultant, Retirement Representative IV, Retirement Solutions Representative, Investments Solutions Representative, and Financial Representative. Throughout his tenure, Mathew has developed expertise in helping clients create clear financial plans and investment strategies tailored to their goals. He holds insurance licenses in Arkansas and California.

Carlos Prieto is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. He has worked at Fidelity Investments since 2022 and previously held roles in education and construction. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Judith de Bry is a Wealth Management Planning Consultant at Fidelity Investments, where she supports Wealth Planners in Private Wealth with their clients and clients' families. Her role involves collaborating with clients to create financial and family legacies by addressing their situations, finding appropriate strategies, and identifying areas for improvement in their overall financial plans. She emphasizes forming strong relationships based on trust and integrity. Judith has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1997, including Regional Planning Consultant Private Wealth, Planning Consultant, Financial Consultant, Investment Management Consultant II, and Planning Consultant for Annuity and Life. She also worked as a Wealth Management Advisor at TIAA and as a Financial Advisor at AXA. Judith holds insurance licenses in Arkansas and California.

Noah Jorgensen is a financial advisor with Fidelity Investments, holding a Series 66 designation and beginning his career in 2025. Prior to joining Fidelity, he worked in various roles outside the financial industry, including positions at GeoGlows, the Church of Jesus Christ of Latter-day Saints, and Mathnasium of Orem. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Kristin Mazza is a financial advisor at Merrill with a Series 66 license and three years of industry experience. She has worked at Merrill since 2022 and was previously employed at Bank of America, N.A. from 2024. Prior to her financial services career, she spent nine years at South Davis Pediatric Dentistry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.