Benjamin Torgersen is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 15 years of industry experience and has previously worked at Morgan Stanley and E*TRADE Capital Management. Outside of his advisory role, he is an insurance broker and owner of Torgersen Wealth Management of Utah, Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides annual, collaborative planning engagements using firm-approved tools, with optional implementation of recommendations through separate arrangements.

Robert Provost is a financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. His credentials include the Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Tiffani Hamilton is a financial advisor with LPL Financial in Riverton, UT, holding a Series 66 designation and bringing 13 years of industry experience. Her career includes roles at Wells Fargo Bank NA, Wells Fargo Advisors LLC, and Wells Fargo Clearing before joining LPL Financial and Mountain American Credit Union in 2019. Outside of advising, she is involved in a family business related to metals and serves as a product advocate for Melaleuca, helping families purchase all-natural products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and a variety of portfolio management options.

Tyler Evans is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Merrill, he worked at Bank of America, Etrade from Morgan Stanley, Morgan Stanley, and Massachusetts Mutual Life Insurance Company. Outside of his advisory role, he owns Paladin's Plight, a business that designs and sells T-shirts, and Ty Evans Voice Acting, where he provides voice acting services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Toby Taylor is a Series 66-licensed financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2022 and was previously employed at E*TRADE Capital Management LLC and E*Trade Securities LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations in standalone plans.

Robert Pack is a financial advisor with Morgan Stanley, holding a Series 66 designation and 28 years of industry experience. His career includes roles at Merrill and Bank of America before joining Morgan Stanley Smith Barney in 2022. Outside of his advisory work, he is involved in a real estate venture as a rental property owner. 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, including tailored financial planning supported by firm-approved tools and modeled outcomes through the Global Investment Committee’s estimates and Monte Carlo simulations.

Jeffrey Rasband is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized financial strategies tailored to clients' unique goals, focusing on areas such as divorce transition planning, family wealth management, legacy planning, retirement income, and philanthropic planning. Mr. Rasband holds a Bachelor's Degree from Brigham Young University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach centers on working one-on-one with clients to develop customized strategies aimed at pursuing their long-term objectives. He has a history of community involvement, including serving as the former Wasatch Chapter Chair for the Mule Deer Foundation from 2007 to 2017 and participating with the Midway Boosters. Jeffrey applies the Merrill tradition of engagement by volunteering with local organizations.

Carter Moffitt is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He works with individuals and families to navigate important financial decisions, focusing on areas such as retirement planning, wealth accumulation, tax-efficient strategies, and preserving legacies. Carter aims to simplify complex financial matters and develop personalized strategies that align with each client's unique circumstances and goals. He holds a Bachelor's Degree from Utah Valley University and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His approach emphasizes building ongoing relationships by listening, understanding clients deeply, and providing proactive guidance as their financial needs evolve. Outside of his professional role, Carter enjoys outdoor activities including bowling, camping, fishing, golfing, hiking, pickleball, tennis, and traveling. He values spending time with his family and considers himself an outdoor enthusiast.

Joshua Maddux is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. He has held various roles within Fidelity Investments since 2021, including Investment Solutions Representative III, Investment Solutions Representative II, Fixed Income Specialist, and High Net Worth advisor. Prior to joining Fidelity, Joshua worked as a Financial Advisor at Morgan Stanley from 2008 to 2011 and at HRBFA (Ameriprise) from 1994 to 2008, as well as a Drill Bit Sales Representative at Baker Hughes from 2012 to 2014. Joshua focuses on collaborating with individuals and families to understand their unique financial goals and develop tailored financial plans. His experience spans benefits planning, investment solutions, fixed income, and high net worth client services. Outside of his professional work, Joshua enjoys outdoor activities such as camping, hiking, motorcycles, visiting museums, outdoor adventures, and skiing.

Christian Covey is a financial advisor with LPL Financial in Orem, UT, holding Series 65 and Series 66 credentials and seven years of industry experience. He previously worked at Merrill Financial Associates, Commonwealth Financial Network, Corient Capital Partners, and Utah Empire. He is also involved with Tamarack Management Holdings LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Bennett Hullinger is a Financial Advisor with The Hullinger Group, operating within Merrill Lynch Wealth Management. He joined the firm in 2026 following over eight years of experience in the construction materials industry. Bennett holds a degree in Construction Management from Utah Valley University. Bennett specializes in working with individuals, families, and business owners to assist them in making informed financial decisions and achieving their long-term goals. He leverages his background in problem-solving and client relationships to simplify complex financial matters, focusing on growing and preserving clients' wealth and protecting their lifestyles. He holds the professional designation of Personal Investment Advisor (PIA). Outside of his professional role, Bennett enjoys sports and spending time with his wife, Sheridan, and their two children.

Jaci Anderson is a financial advisor with Wells Fargo Advisors in Lehi, Utah, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Advisors in 2023, she worked at Brainstorm Inc. and has experience at Brigham Young University. Outside of finance, she is an administrative assistant at Everybody Tattoo Studio. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment options, using proprietary research and tools to develop tailored recommendations.

Tyler Ehninger is a CFP® professional with four years of industry experience, currently serving as a financial advisor at OSAIC since 2022. He has previous experience at Royal Alliance Associates, Ameriprise Financial, Water Quest, and Escapes in Time. Outside of his advisory role, he assists other advisors with financial planning tasks and insurance services through a director position at NTEGRATED FINANCIAL GROUP. OSAIC serves a diverse client base including individual, high-net-worth, corporate, pension, and charitable clients with integrated brokerage and advisory services. The firm employs advanced asset-allocation tools and offers portfolios managed across multiple strategies, supporting both discretionary and non-discretionary accounts.

Sara Miller is a financial advisor at Morgan Stanley with 7 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Justin Holt is a financial advisor at Edward Jones in Provo, UT, holding a Series 66 designation. He joined Edward Jones in 2025 after working at Rush Enterprises and Premier Truck Group. Holt has no prior industry experience beyond his current role. 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, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Paul Crosby is a financial advisor with Morgan Stanley and holds Series 63 and Series 66 licenses. He has 17 years of industry experience, including prior roles at E*TRADE Capital Management LLC and C A L Ranch Stores. He is also employed by the Utah Department of Health and Human Services outside of his advisory work. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by advanced modeling tools.

David Hullinger is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been part of the Hullinger Team, which has a history of serving clients in Utah County for over 40 years. The team is recognized for its longstanding relationship with Merrill Lynch and Bank of America. David's areas of expertise include Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Investment Consulting for Defined Contribution Plans, Legacy Planning, LGBT Wealth Planning, Women and Wealth, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He is a member of a professional team comprised of 10 individuals with well over 100 years of combined experience. He holds a Bachelor's and a Master's Degree from Brigham Young University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). David is active in his community as a basketball coach and serves as President of the Live wElle Foundation, Inc.

James Francis is a financial advisor with LPL Financial holding a Series 66 credential and 16 years of industry experience. He has worked at LPL Financial since 2021 and has sustained his involvement with Phoenix Financial since 2011. Prior to joining LPL, he held roles at Securities America Advisors, Inc. and Kms Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

Jay Cherry is a financial advisor at Morgan Stanley in South Jordan, UT, with seven years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at E*TRADE Securities LLC. Outside of his advisory role, he writes and prepares fiction for publication. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning, leveraging firm-approved tools and methodologies to support client outcomes.

Travis Morgan is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 65 and Series 66 designations and has worked at Cetera and Cetera Wealth Services since 2014. Outside of advising, he is involved in minor farming activities as an owner. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable accounts, and institutional investors. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that combines affiliated and third-party money managers across various program structures.