Ryan Tingey is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Cuso Financial Services, North Capital, Structured Asset Investors, and Wells Fargo. Outside of his advisory work, he is involved with RET Properties, LLC, which invests in single-family home rentals in Utah. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, third-party research, and various investment management technologies.

Ryan Cox is a Series 66 licensed financial advisor with Fidelity, based in Salt Lake City, UT. He has nine years of industry experience and has worked in various capacities within Fidelity since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage its model portfolios, and holds registrations and advisory roles that distinguish it among large institutional firms.

Kristie Remington is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, Morgan Stanley, and TD Ameritrade. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Mason Moody is a financial advisor at Fidelity with one year of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked at several firms, including Rocky Mountain Labs and Synlawn Utah. Outside of his advisory role, he is also self-employed as a DJ in Salt Lake City, performing sporadically after hours. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across a broad range of investments.

Craig Kapp is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 designations and possessing 33 years of industry experience. His career includes roles at Bank of America, Merrill, U.S. Bancorp Investments, Wells Fargo, and Transamerica. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Kyle Shaw is an advisor at Fidelity with Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with Fidelity Brokerage Services LLC since 2004 and has been with Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs, and is noted for its registration as a commodity pool operator, advisory roles to registered investment companies, and use of algorithmic methods and AI in research.

Adam Machado is a financial advisor with LPL Financial based in Salt Lake City, UT. He holds a Series 66 designation and has six years of industry experience. Prior to joining LPL Financial, Machado worked at Mountain America Credit Union and New Millennial Group, and has been involved with Utah Valley University in various capacities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources, including LPL Research.

Robert Henneberger is a financial advisor with Wells Fargo Clearing in Ogden, UT, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he owns and manages a personal investment entity focused on raw land in Kaysville, UT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Andres Acosta is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and four years of industry experience. His prior roles include positions at Wells Fargo Advisors and Accedo Colombia, as well as a year at High West Distillery. Outside of finance, he has worked delivering food through DoorDash in his free time. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports a broad client base with both brokerage and advisory solutions.

Hal Harper is a financial advisor at Fidelity with 13 years of industry experience and a Series 66 designation. He has worked at Fidelity Investments since 2015 in various capacities, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Prior to that, he worked at USAA Financial Planning Services and Edward Jones. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Scott Meek is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Fidelity since 2012, including roles at Fidelity Personal and Workplace Advisors. 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 combines fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios across various investment platforms.

Oscar Mondragon Trullo is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Chase Bank, Merrill, and Bank of America. He is based in Salt Lake City, UT. 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 advisory process 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.

Albert Horman is a financial advisor at Fidelity with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with various Fidelity entities since 1995. Outside of his advisory role, he assists in managing his family's real estate activities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios and funds.

Charlotte Painter is a Certified Financial Planner® with 12 years of industry experience. She has worked at Morgan Stanley since 2021 and previously held positions at JPMorgan Securities LLC, JPMorgan Chase Bank, Royal Alliance, LPL Financial, and Zions Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Lindsay Wheeler is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked within various divisions of Fidelity since 2005. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and offers model portfolios via intermediary platforms.

Crew Robinson is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at Brigham Young University and the University of California San Diego. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios. The firm operates with oversight of sub-advisers and employs systematic methodologies across a broad investable universe including mutual funds and ETFs.

Kathleen Hatcher is a financial advisor with Merrill in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. Her background includes roles at Bank of America, N.A., Cetera, Cetera Investment Services, and MB Financial. 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 supported by internal and third-party managers for a range of client types including individuals, high-net-worth clients, and institutions.

Blaine Chambers is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held various roles in hospitality, retail, and community organizations, including positions at Copper Rock Golf Course and the Utah Youth Soccer Association. Fidelity’s Strategic Advisers LLC, where Blaine works, provides investment management and advisory services to a diverse client base, utilizing a process that combines fundamental research with quantitative and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, advisory roles to multiple registered investment companies, and integration of AI-driven research techniques.

Ginger Avitt is a financial advisor at Fidelity with 22 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Fidelity since 2004, including roles at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios built from mutual funds, ETFs, and ETPs, and acts as an advisor to multiple registered investment companies and fund-of-funds.

David Hesterman is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021, with prior experience at E*TRADE Securities and Morgan Stanley. Outside of his advisory role, he is involved in managing a rental property. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage various registered investment companies and funds.