Michael Ruzek is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley since 2009, including at Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is the sole proprietor of PowderBuoy, a publishing and retail business based in Park City, Utah. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and advanced modeling tools to support client strategies and serves clients through both direct and employer-sponsored financial planning arrangements.

Colin O’higgins is a CFP® with 17 years of experience in the financial industry. He is currently with Edward Jones and previously worked at Fidelity Investments, JPMorgan Wealth Management, and operated his own firm, O’higgins Asset Management Inc, for 13 years. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs, tax-efficient services, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and supports its clients through a large network of financial advisors and branch offices nationwide.

Lauren Colon is a financial advisor with MassMutual Investors Services, holding the ChFC® designation and a Series 66 license, and has 12 years of industry experience. She previously worked at Northwestern Mutual from 2016 to 2017 before joining MassMutual in 2018. Outside of her advisory role, she owns a retail business that sells framed artwork on Etsy. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools and collaborative planning processes without discretionary investment authority.

Michael Nielsen is a financial advisor at Stifel with 30 years of industry experience. He has worked at Stifel since 2007 and has additional experience dating back to 1992 with Arden Computers / Access Computers. He also serves in the U.S. Air Force Reserves, a role he has held since 1987. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing asset allocation and financial planning analyses intended to support client decisions.

Alejandro Malespin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its Private Bank since 2016, previously spending four years at Credit Suisse Securities. Outside of finance, he serves as a passive director for a family-owned law firm in Managua, Nicaragua. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers both retail and institutional investment solutions.

Mark Banholzer is a financial advisor with Morgan Stanley in Park City, UT, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its private bank since 2015. Banholzer also serves as a trustee for a trust based in Greenville, South Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs focused on tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Melanie Hanna is a financial advisor at Morgan Stanley with 15 years at the firm and four years of industry experience. She holds Series 63 and Series 65 licenses. Outside of her advisory role, she operates a small boutique horse breeding business in Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Parker Dennis is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2021. Prior to his current role, he held positions at XPO Logistics and Brigham Young University. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Mangin is a financial advisor at Fisher Investments with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Morgan Stanley Private Bank, Morgan Stanley, Highland Capital Funds Distributor, and Eaton Vance Management. Fisher Investments serves institutional and private clients worldwide, offering discretionary portfolio management across various asset classes. The firm employs a centralized investment process combining quantitative and qualitative research to manage globally diversified portfolios and implements tax-aware strategies alongside risk management techniques.

James Herring is a financial advisor with UBS Financial Services, holding Series 63, 65, and 66 licenses and bringing 36 years of industry experience. He worked at Goldman, Sachs & Co. for 35 years prior to joining UBS in 2024. Outside of his advisory role, he serves as President of the Board of Directors for two New York City apartment cooperatives and is Chair of the Board for Redeemer City to City, a global church planting ministry. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a broad platform that includes proprietary research, capital markets services, and affiliated banking programs.

Michael Yatkeman is a financial advisor at Fidelity with 24 years of industry experience. He holds a Series 66 designation and has worked with various Fidelity entities since 2004, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Prior to that, he was with U.S. Bancorp Investments for one year. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model solutions.

Chad Heffron is a Series 66-credentialed financial advisor with Morgan Stanley, having 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

David Taylor is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley since 2009 and associated with Morgan Stanley Private Bank, National Association since 2015. Outside of advising, he is a partner and manager of an LLC established as an asset protection vehicle for a vacation property. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by structured financial planning tools and a broad suite of retail and institutional investment options.

Michael Butt is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Vincent Colon is a financial advisor with MassMutual Investors Services holding the CFP® designation and Series 66 license, with 13 years of industry experience. He has worked at MassMutual and its affiliated entities since 2018 and previously held roles at Northwestern Mutual from 2013 to 2017. Outside of his advisory role, Colon is involved in insurance sales and operates a wealth management LLC. MassMutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using proprietary software and offers a range of services including asset management and educational seminars.

Carolyn Clowers is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing before joining Ameriprise in 2019. Outside of her advisory role, she is involved in multi-family real estate ownership in Park City, Utah. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and annual advice focused on dependable income and tax-aware withdrawal strategies.

James Olson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at Waddell & Reed from 2002 to 2004 and has been with Linsco Private Ledger since 2004. Olson is also associated with Olson Investment Management in Altadena, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Barry Porter is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is involved with the National Longhouse of the Comanche Tribe, where he manages dues collection and expense payments. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a range of capital markets and research resources to support its advisory network.

Max Burgin is a financial advisor at Morgan Stanley in Park City, UT, holding Series 63 and Series 65 licenses with two years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Fidelity Investments, and the University of Tennessee. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and operates as both an investment adviser and broker-dealer.

Gregory Golding is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS since 2006 and holds the Series 63 and Series 65 designations. Outside of his advisory role, he is a partner in Gregari 1821 LLC, an investment vehicle focused on private equity. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm utilizes proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.