Ryan Bailey is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has worked at various Fidelity entities since 1999, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services and managing model portfolios using systematic methodologies.

Anthony Lazzara is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2011, currently also serving at Morgan Stanley Private Bank, National Association. He acts as a trustee and co-trustee for a trust based in Naples, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, employing structured financial planning supported by firm-approved tools and methodologies.

Benjamin Warren is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at E*TRADE Capital Management and E*Trade Securities. He is currently based in Holladay, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Julie Palmer is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity in various roles since 2012. Outside of her advisory work, she is a member of Our Clues, LLC, a certified functional nutrition business where she guides clients on health. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs.

Joshua Jones is a financial advisor with Fidelity Investments in Salt Lake City, UT, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Bryson Bard, Northwestern Mutual Investment Services LLC, and Benjamin Gantt. Outside of advising, he operates a small baked goods business and is an aspiring author engaged in writing and editing fiction. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of fundamental research and quantitative analysis to construct model portfolios featuring mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Rachel Eckman is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over two decades at Wells Fargo Bank, N.A. 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 advice. The firm’s approach 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.

Paul Shoemaker is a CFP® with 28 years of industry experience, currently serving at Morgan Stanley in Salt Lake City, UT. He has worked with Morgan Stanley and its affiliated entities since 2012, and previously spent 14 years with Merrill. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach incorporates structured discovery and advanced modeling tools while generally acting in an advisory capacity.

Richard Ruff is a financial advisor with Fidelity in Salt Lake City, Utah, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has worked at Fidelity Brokerage Services since 2015 and joined Fidelity Investments in 2025. Outside of finance, he is the sole proprietor of Utah Family Spinal Care, providing chiropractic services on a limited basis. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to diverse clients, including retail and institutional investors, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Kyle Griffiths is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo 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 both brokerage and advisory solutions.

Chris Sercu is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he co-manages the Venture Services Group Trading team. His primary responsibilities include fund level liquidation, distribution trading for institutional limited partners, and derivatives and structured products. He also contributes to the development and implementation of 10b5-1 plans, conducts client research and market analysis, and leads quantitative and data analytics for the group. Chris joined Venture Services Group in June 2012. He holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from the Claremont Consortium of Colleges, where he studied economics, accounting, and finance. Chris has been recognized on Forbes' Best-in-State Next Generation Wealth Advisors list in 2023 and the Best-in-State Wealth Advisors list in 2024.

Timothy Henrichsen is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at Fidelity Brokerage Services LLC since 2019 and joined Fidelity Investments in 2025. Outside of his advisory role, he briefly managed rental properties with Eyre Properties. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and offers model portfolios constructed from mutual funds, ETFs, and ETPs.

Andrew Brown is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63, 65, and 66 licenses and has 15 years of industry experience. Brown has also served as an independent contractor for First Western Advisors and is involved in marketing life insurance through Harding Financial Partners. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Cody Judkins is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Charles Schwab, where he has worked since 2022, following previous roles at Fidelity Brokerage Services and Investools by TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base mainly comprised of 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 a mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios, alternative investment due diligence, and centralized operational infrastructure.

James Johnson is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including SCF Securities, INC., SCF Investment Advisors, Inc., Securities America Advisors, Inc., Nations Financial Group, Inc., and RBC Capital Markets. He is based in Salt Lake City, UT. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Melanie Froemmling is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1992. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Erik Knutsen is a financial advisor at Edward Jones with 30 years of industry experience, having been with the firm since 1996. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves as a Commander in the Idaho Army National Guard. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory programs, supported by a nationwide network of financial advisors and branch offices.

Dakota Mathews is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity in 2024, he worked at Podium and held roles at UHEAA and Discover Financial Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Sarah Hinman is a financial advisor with LPL Financial in Salt Lake City, holding the CFP® and PFS™ designations along with a Series 65 license. She has 10 years of industry experience, including prior roles at Fiducient Advisors LLC and Trinity Financial Advisors, LLC. Outside of advisory work, she was involved in the retail business Embellish Boutique for six years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering various portfolio management options and institutional platforms.

Kauner Owen is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2021, progressing through positions including Workplace Planning Associate, Workplace Planning Consultant, and Planning Consultant. In his work, Kauner partners with clients and their families to establish collaborative financial plans aimed at addressing their questions and concerns. He holds insurance licenses in Arkansas and California. Outside of his professional duties, Kauner enjoys fishing, golf, and outdoor adventures.

Byron Bendixsen is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2005. He has been with Fidelity Investments since 2001, progressing through positions including Fixed Income Specialist, Investments Representative, and Financial Service Representative. With 24 years of experience, Byron partners with investors at various stages of life to develop, implement, and maintain disciplined financial plans despite challenging market conditions. He holds insurance licenses in Arkansas and California. Outside of his professional responsibilities, Byron enjoys camping, cooking and baking, family activities, outdoor adventures, running, and volunteering.