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.

Aaron Dahle is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and has operated his own tax and accounting services firms since 2003. Dahle is a partial owner of Dahle Financial Services and Dahle Tax & Accounting, where he performs administrative and accounting roles. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and program structures.

Christopher Reynolds is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s 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.

James Francis is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked at Phoenix Financial since 2011 and has been with LPL Financial since 2021, following prior roles at Securities America Advisors and Kms Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

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.

Jeffrey Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Voya Financial Advisors and NFG Advisors. Johnson is also the owner of Sage Life Financial LLC and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and customized strategies.

Brian Slade is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved in selling fixed insurance products through Progressive Planning, LLC, a Utah-approved life insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including strategic and tactical model portfolios supported by internal and third-party research.

William Dahle III is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Cetera and its related entities since 2021 and has owned Dahle Financial Services since 2015. Dahle also serves as a board member for the Jordan Winds Owners Association. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, operating a multi-manager platform with multiple program structures and custodial relationships.

Michael Sayre is a financial advisor with OSAIC in Salt Lake City, UT, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has previously worked at Woodbury Financial Services, Penn Mutual Life Insurance Company, and Hornor Townsend & Kent, among others. Sayre is involved as a partner in CUI Wealth Management and CUI Benefits, and he also serves on the board of the Salt Lake chapter of the Society for Human Resource Management, overseeing sponsorships and participating on its investment committee. OSAIC serves a diverse client base including retail investors, institutions, and charitable organizations, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple advisory platforms and third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include various asset classes, accommodating both discretionary and non-discretionary management with client-imposed restrictions.

Domenique Buhagiar is a financial advisor with Morgan Stanley in South Jordan, UT, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Morgan Stanley in 2021, Domenique worked at E*TRADE Securities LLC and has experience connected to Arizona State University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through Corporate Financial Planning agreements.

Dane Runia is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the CFP® and Series 66 designations. His prior experience includes roles at Bank of America and Merrill. Outside of advisory work, he is involved in managing several family-held and investment-related LLCs and trusts in Provo, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides comprehensive financial planning using firm-approved tools and advisory programs, managing approximately $2.74 trillion in client assets.

Aaron Henson is a financial advisor with Morgan Stanley, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at E*Trade Capital Management, E*Trade Securities, and Fidelity Brokerage Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning strategies and relationships with various investment vehicles.

Michael Pelo is a financial advisor with Mass Mutual Investors Services in Lehi, Utah. He holds the CFP® and ChFC® designations and has nine years of industry experience. Prior to joining Mass Mutual in 2026, he spent several years with Northwestern Mutual in various roles. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning relationships supported by firm-approved analytical tools and offers specialized programs such as divorce planning and employer-sponsored planning services.

Benjamin Ahyou is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. He previously worked at JP Morgan Chase Bank NA from 2008 to 2024. Outside of his advisory role, he is involved with Elias T. Benjamin Wealth Management, a DBA entity related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven investment strategies.

Andrew Harding is a financial advisor with Morgan Stanley in Holladay, Utah, holding a Series 66 credential and 16 years of industry experience. His prior work includes roles at Bank of America and Merrill. Outside of his advisory work, he is a limited partner in Harding Family Investments LLC, a for-profit business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery and firm-approved planning tools.

Heivaha Ongoongotau is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at Morgan Stanley and its affiliates since 2012, as well as prior positions at Fidelity Investments, E*Trade Securities, and Delta Airlines. Outside of his advisory work, he manages Moana Management Group, LLC, a property management business based in Utah. 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 utilizes structured planning tools and the Global Investment Committee’s research to support client financial plans.

Nicholas Pyles is a Financial Consultant at Fidelity Investments, where he has been supporting clients since 2025. He has a history of roles within Fidelity Investments, including Planning Consultant, Benefits Planning Consultant, and various Workplace Planning Consultant positions since 2020. Nicholas focuses on implementing and monitoring tailored financial plans and investment strategies for individuals and families. Throughout his career at Fidelity Investments, Nicholas has developed expertise in financial planning and benefits consulting. He holds insurance licenses in Arkansas and California, which enable him to provide a range of financial services. His approach involves listening to clients' experiences and goals to simplify the complex world of investing. Outside of his professional work, Nicholas enjoys activities such as beach outings, family activities, golf, hiking, tennis, and traveling.

Hunter Stallings is a financial advisor at Morgan Stanley with one year of industry experience. His prior work includes roles at Fidelity Investments, Enevive, and Lamar National Bank. Outside of advising, he occasionally works as a DoorDash driver and engages in reselling activities on the side. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that incorporate firm-approved tools and investment committee input.

Edward Ricker II is a financial advisor at Mass Mutual Investors Services with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Private Bank and E*TRADE Capital Management. Outside of advising, he owns a dropshipping and reselling business on Amazon. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools for financial planning and offers specialized programs including divorce planning and employer-sponsored planning services.