Kim Spencer is Vice President and Financial Consultant at Fidelity Investments, a role held since 2011. She has been with Fidelity Investments since 1998, progressing through positions including Financial Consultant, Relationship Manager, Investments Representative, and Financial Representative. Her expertise includes financial planning, investment strategy, generating cash flow, wealth accumulation, protection strategies, and tax-efficient investing. She holds insurance licenses in Arkansas and California. Outside of her professional work, Kim enjoys biking, board games, outdoor adventures, skiing, yoga, and spending time with her pets.

Miriam Rushton is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 1989. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Ryan Cook is a financial advisor with MassMutual Investors Services. He holds Series 63 and Series 65 credentials and has two years of industry experience. Prior to joining MassMutual, he worked at Northwestern Mutual Investment Services LLC for three years and has additional work experience in the technology and retail sectors. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning engagements supported by technology tools and a range of event-driven planning programs.

Travis Ewell is a financial advisor with Cambridge Investment Research Advisors based in Provo, UT. He holds Series 63 and Series 65 designations and has 28 years of industry experience. Prior to his current role, he worked at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Company. He is also an owner and partner of Frandsen Morrill Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing a variety of portfolio management strategies and custody platforms.

Jonathan Pack is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following eleven years at Bank of America and over two decades at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various planning and investment platforms.

Weston Bench is a financial advisor at Morgan Stanley in Provo, UT, holding Series 63 and Series 65 credentials with seven years of industry experience. He previously worked at Goldman Sachs & Co. LLC for four years and has held roles at the University of Utah, United Insurance Co, and Utah Valley University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Samuel Rosen is a financial advisor with LPL Financial in Pleasant Grove, UT, holding the CFP® and ChFC® designations and possessing 11 years of industry experience. Prior to joining LPL Financial in 2024, he spent nine years at Northwestern Mutual in various roles. Outside of his advisory work, he is involved with EmBody Health and Fitness, a health and fitness business. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and third-party asset management, with a focus on both discretionary and non-discretionary account management supported by research and technology tools.

Alan Nygren is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity since 2011, progressing through various positions including Financial Consultant, Portfolio Specialist, Client Management Representative, Retirement Solutions Representative, and Investment Solutions Representative. Prior to joining Fidelity, Alan worked as a Personal Banker at Wells Fargo Bank from 2007 to 2011. As a CERTIFIED FINANCIAL PLANNER™ practitioner, Alan focuses on helping individuals and families build, manage, preserve, and transition their wealth. His approach to financial planning emphasizes risk management, investment strategies, income planning, and estate planning considerations. He holds a California Insurance License. Alan's personal interests include biking, family activities, football, golf, hiking, and traveling.

Tina Hess is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She has worked at LPL Financial since 2021 and has a background in tax preparation and accounting through her ongoing involvement with Barber Tax Service. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and asset management solutions, combining broad platform capabilities with extensive non-advisory financial activities.

Mccall Jensen is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, Jensen held roles in retail and sales, including positions at Gap and as a seller on Poshmark. Outside of advisory work, Jensen has engaged in clothing sales through Poshmark and Gap. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Michael Perkins is a financial advisor with Primerica Advisors in Springville, UT, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Primerica since 2005. Outside of advisory activities, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-based strategies developed by third-party managers and maintains approximately $15.5 billion in assets under management through a nationwide network of nearly 3,700 advisors.

Alan Smiley is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, LLC, and Zions Direct, Inc. Outside of his advisory role, he teaches fly fishing through a private venture in Draper, Utah. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm utilizes proprietary research and planning tools to develop tailored recommendations and integrates advisory services with other financial products and referral channels.

Andrew Epperson is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2004. Outside of his advisory role, he is the owner and operator of a real estate business through MELJEN LLC. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management services. The firm utilizes a variety of investment programs and third-party managers to tailor solutions based on client risk tolerance and goals.

Peter Kranenburg Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Sagepoint Financial, Inc. and Next Financial Group, Inc. Outside of advising, he is involved in a firearms sales business operated with his son. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing in constructing diversified portfolios and provides access to third-party money managers and wrap programs.

Travis Pointer is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA. Pointer serves on the committee responsible for allocating Land Trust funds to Lehi Elementary School, focusing on supporting educational programs in math, language arts, and science. Merrill, together 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elijah Lane is a financial advisor at Edward Jones in Cedar Hill, UT, holding a Series 66 designation. He joined Edward Jones in 2025 and has previous experience in healthcare staffing and medical center roles. Outside of his advisory work, he provides a furnished room for rent in Tulsa, OK. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branches across the United States.

Pat Patterson is a Financial Consultant currently working with Fidelity Investments since 2022. He has experience in guiding clients approaching retirement by designing and implementing investment portfolios, with a focus on income planning and ensuring the sustainability of retirement plans. Prior to joining Fidelity Investments, Pat worked as a Financial Consultant at E*TRADE from Morgan Stanley from 2018 to 2022, as a Financial Advisor at Voya Financial Advisors from 2017 to 2018, and as a Financial Consultant at TD Ameritrade from 2015 to 2017. He holds insurance licenses in Arkansas and California. Outside of his professional work, Pat has interests in boating, family activities, military service, music, and surfing.

Vance Whitby serves as a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. Since 1998, he has focused on helping affluent clients develop goals-based retirement plans tailored to each life stage. Vance employs an in-depth and realistic process to assist clients in creating predictable income strategies, capital preservation, and pursuit of long-term financial goals. Vance holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. He earned a Bachelor's degree from Brigham Young University and a Master's degree from George Washington University. Utilizing the resources and support available through Merrill Lynch and Bank of America, N.A., he provides clients with integrated estate planning, lending, and insurance strategies. Outside of his professional work, Vance has three daughters and spends his free time cycling, skiing, and enjoying outdoor activities.

Aisha Young is a financial advisor with Merrill in Provo, Utah, holding a Series 66 designation and seven years of experience advising clients since 2019. Prior to joining Merrill, she worked for ten years at Best Friends Animal Society. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Tyler Gentry is a financial advisor at Edward Jones in Lehi, Utah, holding CFP®, ChFC®, and Series 66 designations with 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large nationwide network of advisors and branch offices.