Kenneth Cuthbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), underscoring his role in providing personalized investment guidance to clients. Kenneth earned a Bachelor's Degree from Utah State University. His educational background supports his expertise in financial planning and wealth management.

Douglas Christensen is a financial advisor at Merrill with 18 years of industry experience. He has held roles at Merrill since 2019 and previously worked at Wells Fargo Bank for 13 years. Christensen is a passive owner of a family business that sells custom couches to consumers and interior designers. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Sonne is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Northwestern Mutual Investment Services and MassMutual Life Insurance Company. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Brandon Patrick is a financial advisor with Equitable Advisors in Draper, UT, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008, including its prior affiliation with Axa Advisors. Outside of his advisory role, he serves as trustee of the Brandon & Becky Patrick Living Trust. Equitable Advisors serves individual clients, plans, corporations, and institutions by offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a variety of advisory models and third-party managers, providing access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Brian Watterson is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2011, he has focused on understanding the priorities of high-net-worth individuals and families, providing personalized attention and disciplined financial strategies tailored to client objectives. As a Portfolio Manager, Brian manages discretionary personalized and defined strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment approaches. Brian holds a Bachelor of Science degree in Mathematics from Utah Valley University. He is a Certified Investment Management Analyst® (CIMA®) professional, a Certified Plan Fiduciary Advisor (CPFA), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He is also a member of the Investment & Wealth Institute. Brian is engaged in his community through his church and has served a two-year mission in Armenia. Residing in Jurupa Valley with his wife and five children, Brian’s personal interests include basketball, football, genealogy, hiking, reading, running marathons, and softball. He is committed to building strong relationships with clients by providing knowledgeable and accessible guidance to help them make important financial decisions.

Brent Jackman is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. He has been with Fidelity Investments for over 33 years, progressing through various roles including Assistant Branch Leader, Branch Service Manager, and Private Client Group Manager. Throughout his career, Brent has focused on attracting and retaining financial professionals to assist clients in achieving their financial goals. His extensive experience spans leadership and client service within the financial services industry. Outside of work, Brent enjoys family activities, fitness, football, gardening, and running.

Saryn Keller is a financial advisor at Primerica Advisors with one year of industry experience. She holds Series 63 and Series 65 licenses and has worked in various roles including at Primerica Financial Services and Parham Doctor's Hospital. Her other business activities include sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Scott Ririe is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Wells Fargo and Teton Wealth Group. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Tyler Endsley is a financial advisor at Fidelity with 21 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments since 2011, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and provides oversight through affiliated and unaffiliated sub-advisers.

Kimberly Davis is a financial advisor with Morgan Stanley in Provo, UT, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. She worked at Merrill from 2000 to 2021 before joining Morgan Stanley Smith Barney LLC, where she has been since 2021. Outside of her advisory role, Davis is involved in bookkeeping for a local insurance business. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sandra Murri Johnson is a financial advisor with Morgan Stanley in Provo, UT, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Merrill, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides planning services that utilize analytical models such as Monte Carlo simulations.

Raymond Whittenburg is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses. Prior to joining OSAIC in 2024, he spent nine years at Woodbury Financial Services. He is president of Whittenburg Insurance & Investment Group, overseeing approximately 25 licensed insurance agents in the sale of life insurance and annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a broad network of financial advisers. The firm employs a variety of asset-allocation tools and third-party platforms to offer discretionary and non-discretionary portfolio management solutions.

Joshua Woodbury is a financial advisor with Charles Schwab, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab since 2018 and previously held positions at Raymond James Financial Services and The Tax Company. Outside of his advisory work, he is a partner in Woodbury Real Estate Enterprises, a real estate venture. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a mix of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines integrated custody, brokerage, and advisory functions with access to alternative investments and multi-asset model portfolios.

Isabelle Smith is a financial advisor at Raymond James Financial in Orem, UT, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at several firms including Security Service Federal Credit Union and Granite Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports both advisory programs and institutional portfolio management across a large advisor network.

Neil Schimka is a financial advisor with Mass Mutual Investors Services in Lehi, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His career includes roles at J.P. Morgan Securities, U.S. Bancorp Investments, Wells Fargo Clearing Services, and currently MassMutual Life Insurance Company and MML Investors Services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs with an emphasis on collaborative, goal-oriented planning.

Michael Brown is a CFP® professional with 26 years of industry experience. He has worked at Farmers Financial Solutions and Farmers Insurance for over 25 years before joining LPL Financial in 2023. He is based in Pleasant Grove, Utah. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services, utilizing a large network of advisors and incorporating both proprietary and third-party investment strategies.

James Biggs is a financial advisor at Fisher Investments with 19 years of industry experience. He holds the Series 66 designation and has been with Fisher Investments since 2008. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s investment decisions are managed by a centralized committee and incorporate quantitative and qualitative research, tax-aware processes, and defensive tactics to manage risk and positioning.

Joaquin Zavala is a financial advisor with Merrill holding a Series 66 designation and two years of industry experience. His prior work includes positions at Morgan Stanley Smith Barney LLC, UBS Financial Services, Inc., and AllianceBernstein. Outside of his advisory role, he is involved in several entrepreneurial ventures including The Driver Provider, an automotive and transportation business, and Pocholis Soaps LLC, which operates in the art and culture sector. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Quintin Bybee is a financial advisor with Mass Mutual Investors Services holding the CFP® designation and Series 63 license, with five years of industry experience. Prior to joining MassMutual Life Insurance Company and MML Investors Services, LLC in 2026, he worked at Northwestern Mutual Investment Services LLC for five years and Security On-Demand for seven years. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

Nicholas Loveless is a ChFC® and Series 66 credentialed financial advisor with 12 years of industry experience, all with Edward Jones since 2014. He is based in American Fork, UT. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a broad range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.