Todd Frumson is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked at various firms including Minnesota Life Insurance Company and Renaissance Financial. He serves as an elected board member for Big Brothers Big Sisters of Utah. Cetera Investment Advisers LLC provides advisory services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Carter Cushing is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. His work history includes roles at Fidelity Investments, Amazon, and several academic institutions. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and is noted for its use of algorithmic methods and AI in research as well as its advisory roles to multiple registered investment companies.

Robert Craig is a financial advisor with Raymond James Financial in American Fork, UT, holding Series 63 and Series 65 licenses and six years of industry experience. He previously worked at Olde Wealth Management LLC and Purple Pines LLC and is currently associated with CH Retirement Income Planning in a financial advisor capacity. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, and institutional entities, with specialized programs for small businesses and state and municipal government clients.

Steven Cox is a financial advisor with UBS Financial Services, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Tyler Bingham is a financial advisor with Edelman Financial Engines who holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior experience includes roles at Empower Financial Services, Morgan Stanley, E*TRADE Capital Management, and J.P. Morgan Securities. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified portfolios and long-term strategies.

Zachary Pinnau is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at Kovack Advisors, Kovack Securities, and KAC Financial Services. He also serves as a Ward Assistant Clerk for Finance with The Church of Jesus Christ of Latter-Day Saints in Salt Lake City, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that includes proprietary tools and scenario modeling.

Adam Clark is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He collaborates with individuals and families to manage wealth through tax-efficient investing and risk management strategies. He has experience in various capacities at Fidelity Investments, including roles as an Investment Management Consultant, Investment Solutions Help Desk representative, Workplace Planning Consultant, Investment Solutions Representative, and Customer Relationship Advocate from 2020 through 2025. Adam holds insurance licenses in Arkansas and California. Outside of his professional work, Adam enjoys boating, camping, lake activities, outdoor adventures, skiing, and parenthood.

Derrick Whitney is a financial advisor with Morgan Stanley in South Jordan, Utah, holding the Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Raymond James Financial Services and Utah Wealth Strategies Inc. He is also the proprietor of DJW Vista Holdings LLC, a real estate business involved in property management, sales, marketing, and business development. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, offering financial planning supported by firm-approved tools and methodologies, including Monte Carlo simulations and secular return estimates. The firm manages approximately $2.74 trillion in client assets and provides a broad array of investment and financial planning services.

Jordan Palmer is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including CUSO Financial Services, Prudential Insurance Company of America, and Fidelity. 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 various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

Matthew Barrus is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities for over a decade. Barrus is based in Sandy, 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 a range of advisory programs supported by firm‑approved planning tools and broad retail and institutional services.

Mc Kay Dewey is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to joining Cetera, Dewey held roles at Hire Bloom, Clozd, and Atlantic Key Energy, and was employed at Brigham Young University for three years. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

Richard Bebo is a financial advisor with Osaic Wealth Inc. and holds the ChFC® and Series 63 designations. He has over 40 years of industry experience, including 25 years with Osaic. Outside of his advisory role, he serves as a chaplaincy support team member for Good News Global, a nonprofit organization. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms and third-party money managers.

Sheriann Hulet is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 17 years of industry experience. She has been with Raymond James since 2010 and is also involved in a non-investment business as the owner of Gary M. Hulet Dmd, P.C., a dental practice. Additionally, she works with Todd Moulton Financial Advisor LLC in client relations and advisory support. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored recommendations through detailed client assessments and a variety of implementation options.

Scott Jones is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. He previously worked at Holiday Oil and has served in the Utah Army National Guard since 2003. Outside of his advisory role, he is involved in coaching in Saratoga Springs, UT. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Chad Waddoups is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with LPL Financial since 2008. In addition to his advisory role, he manages operations and compliance for Mountain America Insurance Services as part of his responsibilities with Mountain America Credit Union. 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 provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Aaron Fox is a financial advisor with Morgan Stanley in Sandy, Utah, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior work includes over a decade at Fidelity Brokerage Services and roles at E*TRADE Capital Management and Securities before joining Morgan Stanley. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and modeling techniques to assist clients in evaluating potential outcomes.

Preston Drage is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Morgan Stanley, he worked at E*TRADE Securities LLC and has a background that includes roles outside financial services such as at eBay and Enterprise Rent-A-Car. 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 structured discovery processes and advanced modeling tools.

Michael Slaugh is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with various Fidelity entities since 2013. Outside of his advisory role, he serves as Vice President on the board of directors of Slaugh's Car Care, an automobile repair shop in Utah. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Michael Stephens is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments and Uber. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm operates within the larger J.P. Morgan organization and offers non-discretionary advisory services through a select group of Wealth Advisors.

Stephen Johnson is a financial advisor with Raymond James Financial in Alpine, Utah, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James Financial since 2009. Outside of his advisory role, he serves on the board of Rose Park Elementary, where he is involved in charitable fundraising efforts to support underprivileged families. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through risk profiling and firm research, with a notable portion of its advisory business conducted on a non-discretionary basis.