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 industry experience, currently serving as a financial advisor at Edward Jones since 2025. His prior roles include positions at Fidelity Investments, JP Morgan Wealth Management, JPMorgan Chase Bank NA, and JPMorgan Private Bank, as well as running his own firm, O'higgins Asset Management Inc, from 2008 to 2021. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual, institutional, and charitable clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

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 with Morgan Stanley in Park City, UT, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Outside of his advisory role, he serves as a passive director in a family-owned law firm in Managua, Nicaragua. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools, and it offers both direct client plans and corporate financial planning agreements.

Mark Banholzer is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2015. Outside of his advisory role, he serves as a trustee and co-trustee for a trust based in Greenville, South Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including financial planning services that utilize firm-approved tools and methodologies such as Monte Carlo simulations and Secular Return Estimates. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning solutions.

Melanie Hanna is a financial advisor with Morgan Stanley in Park City, UT, holding Series 63 and Series 65 licenses and bringing three years of industry experience. She has been with Morgan Stanley since 2011. Outside of her advisory role, she operates a small boutique horse breeding business called Hana Oaka Arabians. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing 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 the Series 66 and Series 63 designations and has worked at firms including Morgan Stanley Private Bank, Highland Capital Funds Distributor, and Eaton Vance Management. He has been with Fisher Investments since 2019. 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 equities, fixed income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research and uses tax-aware strategies and risk management techniques across its diversified portfolios.

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 23 years of industry experience. He holds a Series 66 designation and has worked within various Fidelity entities since 2004. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

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 has worked at Ameriprise since 2019, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of advising, she is involved in real estate ownership unrelated to investment advisory activities. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies and delivers tailored, non-discretionary recommendations through a centralized consulting team.

James Olson is a financial advisor with LPL Financial, holding the Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with Linsco Private Ledger since 2004. Olson also operates Olson Investment Management as a separate business entity. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

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 with Morgan Stanley in Park City, UT, holding Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at Wells Fargo Clearing, Fidelity Investments, and various non-financial organizations. 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 modeling techniques.

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.