Trisha Kennedy is a financial advisor with Primerica Advisors in West Jordan, UT, holding the Series 63 and Series 66 designations and bringing 24 years of industry experience. Her career includes roles at Primerica Advisors, Wedbush Securities Inc., and Market Star Corporation. In addition to advisory services, she is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients primarily, with a model-driven investment approach supported by third-party asset managers and custodial services. The firm operates at scale with several thousand advisors and manages approximately $15.5 billion in assets.

Timothy Payne is a CFP® credentialed financial advisor with 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets. He is based in Salt Lake City, UT. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Todd Denning is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Fidelity and its affiliates since 1999, including seven years at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its role as a registered commodity pool operator and its formal advisory responsibilities to multiple registered investment companies and fund-of-funds.

Quinn Cannon is a financial advisor with Merrill based in Salt Lake City, UT, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Merrill, Quinn worked at Morgan Stanley and E*TRADE Capital Management, among other firms. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Christian Marinos is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked with various Fidelity entities since 2005, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Outside of finance, he is involved in commercial fishing as an independent contractor in Alaska. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Lori Morgan is a Planning Consultant at Fidelity Investments, a position she has held since 2023. She brings over 25 years of experience in the financial industry to her role. Prior to her current position, Lori held several roles at Fidelity Investments, including Senior Relationship Manager from 2006 to 2023 and Relationship Manager for High Net Worth clients from 2005 to 2006. Before joining Fidelity, she worked as a Service Manager in New Business at Lincoln Financial from 2000 to 2005. Throughout her career, Lori has focused on providing a high level of customer service by offering access to tools and resources that support both advisors and their clients. Her extensive experience allows her to provide valuable support tailored to client needs. Outside of her professional work, Lori is interested in baseball, fishing, social events with friends, pets, and volunteering.

Alex Love is the Vice President and Financial Consultant at Fidelity Investments, a role held since 2017. Alex has been with Fidelity Investments since 2008, progressing through various positions including Director of Retirement Planning, Financial Consultant, Investment Consultant, and Retirement Relationship Manager. This extensive experience has provided Alex with a comprehensive understanding of financial consulting and retirement planning. As a Certified Financial Planner™, Alex focuses on retirement planning tailored to the specific needs of clients, emphasizing education and goal-based planning. Alex holds insurance licenses in Arkansas and California. Outside of professional responsibilities, Alex has personal interests that include family activities, fitness, football, snowboarding, and traveling.

Jet Ngu is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2022. Prior to this, his background includes roles at Brookfield Properties and the United States Postal Service. Fidelity’s Strategic Advisers LLC 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Emmett Kelly Garcia is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at firms including Sand Hill Global Advisors, United Capital Financial Advisers, Morgan Stanley, and Goldman Sachs. Prior to his financial services career, he spent sixteen years in primary and secondary education. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority, and allows clients to integrate planning with managed-account programs through a consolidated billing option.

Gregory Banks is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Devin Heward is a financial advisor at Fidelity with a Series 66 designation. He joined Fidelity Investments in 2025 and has prior work experience in the telecommunications and retail sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and offers advisory roles to several registered investment companies and fund-of-funds.

Tyler Keyes is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and 7 years of industry experience. He has worked at Wells Fargo Clearing Services since 2009. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Toner is Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2011. In this role, he works with clients to identify their financial goals and develop strategies to effectively utilize their assets toward achieving those objectives. He holds insurance licenses in Arkansas and California, which support his ability to provide comprehensive financial planning services. Richard's approach centers on collaborative planning to create tailored wealth strategies aligned with client outcomes.

Robert Carlisle is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Fidelity Brokerage Services, Wells Fargo Clearing Services, and The Vanguard Group. Carlisle also rents out the basement of his primary residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios with centralized custody and operational support.

Brady Beck is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining Ameriprise, he worked at Land Rover Centerville and has held various roles within Ameriprise since 2017. Outside of his advisory work, he sells jewelry at a local artists market and assists part-time with framing and gallery duties at Brushworks Gallery in Salt Lake City. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Brytt Christensen is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Ettain Group, Elevated Capital Advisors, and E*Trade Securities. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, using proprietary research and tools, with clients deciding how to implement recommendations through various brokerage or advisory programs.

Yerik Valbuena is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity in 2025, he worked in various roles in the automotive and service industries. Outside of advising, he is involved as a registered agent for a floral and nail services business and operates ecommerce and personal car rental ventures. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Stephen Ninow is a financial advisor with UBS Financial Services in Salt Lake City, UT, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, Northwestern Mutual Investment Services, and Durham Jones and Pinegar. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, leveraging proprietary research and model-based asset allocations. The firm integrates institutional trading capabilities with wealth management services, offering a comprehensive platform that includes custody, underwriting, and capital markets solutions.

Brooke Dewaal is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has worked in various Fidelity affiliates since 2011. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies and AI in developing model portfolios.

Mathew Morrison is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity Investments since 2007, progressing through various roles including Financial Consultant, Retirement Representative IV, Retirement Solutions Representative, Investments Solutions Representative, and Financial Representative. Throughout his tenure, Mathew has developed expertise in helping clients create clear financial plans and investment strategies tailored to their goals. He holds insurance licenses in Arkansas and California.