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 at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at JP Morgan Chase Bank NA for 16 years before joining LPL Financial in 2024. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

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.

Austin Furniss is a financial advisor at Ameriprise with eight years of industry experience. He has worked at Ameriprise since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory work, he serves on the Board of Directors for the Salt Point Vista Homeowner's Association and is a member of the Board of Trustees. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

Aaron Phillips is a Series 66 registered advisor with Raymond James Financial Services Advisors, Inc., based in Holladay, UT. He has 10 years of industry experience, including over a decade with Morgan Stanley in various roles prior to joining Raymond James. Outside of advisory work, Phillips is involved in entrepreneurial activities as the CEO of Cottonwood Capital LLC and Stanida Investment Co. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, corporations, and institutions. The firm provides tailored, non-discretionary planning and uses analytical tools such as deterministic and probability modeling to support client goals, while also maintaining specialized offerings in municipal finance and SIMPLE IRA employer advisory services.

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.

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.

Troy Bell is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2019, following a 19-year tenure at CSS Industries Inc. Outside of his financial career, Troy is involved in local music as a band member and participates in a childcare business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning using structured discovery and proprietary tools, managing approximately $2.74 trillion in client assets.

James Jones is a financial advisor at Morgan Stanley with nine years of industry experience. He has held various roles at Morgan Stanley since 2018 and previously worked at E*Trade Securities LLC and Wells Fargo Clearing Services. 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 employs a structured planning process supported by firm-approved tools and market models.

Lillian Bird is a financial advisor with Ameriprise in Draper, UT, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2019, she spent 16 years as a stay-at-home mom. Outside of her advisory role, she has involvement with JJM Building Services LLC in a remote assistant capacity. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joseph Allen is a financial advisor with Ameriprise in Lehi, Utah, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Allen operates JCAllen, LLC, an entity through which he manages his advisory business activities. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research-driven strategies and algorithm-supported recommendations to deliver personalized, tax-efficient retirement income plans. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional financial services providers.

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.

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.

Kayla Van Horn is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Ameriprise in South Jordan, UT. She has been with Ameriprise and its affiliate since 2014. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support client planning, delivering recommendations through a centralized consulting team.

Ryan Cantwell is a financial advisor at Morgan Stanley in Sandy, UT, with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, following prior roles at BMC Stock and E*TRADE Securities. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals 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 structured planning tools and modeling techniques as part of its financial planning process.

Diego Lopez is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*TRADE Capital Management and E*Trade Securities. He has also been affiliated with Salt Lake Community College since 2011. Morgan Stanley Wealth Management is an SEC-registered advisor and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and a range of investment programs.

Alissa Carlton is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and nine years of industry experience. She has been with Morgan Stanley since 2015, including a role at Morgan Stanley Services Group Inc. from 2017 to 2018. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to support client goals without offering individual security recommendations as part of standalone planning.