Ray Nishikawa is a financial advisor with LPL Financial in Sandy, Utah, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His career includes roles at Mountain America Credit Union since 2011 and prior positions at Key Investment Services LLC and Ameriprise Advisor Services, Inc. Nishikawa’s outside business activities include involvement with Mountain America Investment Services and Mountain America Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing various portfolio models and technology tools while maintaining a broad scope of financial and credit-related services.

Stephan Micklos is a financial advisor with Morgan Stanley in Holladay, UT, holding a Series 66 designation and 27 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Outside of advising, he is a partner in 8 Moose Enterprises, a recreation-focused business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and 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 analysis.

Marshall Dean III is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services, Inc. and CUSO Financial Services, LP. Outside of his advisory role, he is involved with Orange Sunflower Homes, LLC, a real estate rental business. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of advisors utilizing various strategies and operational tools.

Steven Earhart is a financial advisor with Morgan Stanley in Sandy, Utah. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining Morgan Stanley in 2024, he worked in healthcare plans and construction-related roles. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools to support client goals, primarily acting in an advisory capacity.

Brenton Thorpe is a financial advisor at Wells Fargo Advisors in Cottonwood Heights, UT, holding a Series 66 credential with two years of industry experience. He has been with Wells Fargo Advisors since 2023 and was previously with Wells Fargo from 2021 to 2023. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients able to implement recommendations through brokerage or advisory programs as they choose.

Anthony Carpio is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at the University of Memphis and Iowa State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and utilizes systematic methodologies alongside oversight controls in managing its portfolios.

Whitney Muhlestein is a financial advisor at Edward Jones with two years of industry experience. Her prior work history includes roles at Discover Financial, Smart Rhino Labs, and HomeGoods. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Thomas Moll is a financial advisor at Morgan Stanley with a Series 66 credential and five years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at Unisys for five years. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Marne Garcia is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Wells Fargo Clearing Services LLC and has a background that includes roles at Ettain Group, Western Governors University, and America First Credit Union. Outside of her advisory role, Garcia is involved in a technology contracting business related to data annotation. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a broad range of retail and institutional investment services.

Carmen Valverde Gill is a financial advisor at Edward Jones with 16 years of industry experience. She holds the CFP® designation as well as Series 63 and Series 66 licenses. Prior to joining Edward Jones in 2017, she worked at Merrill, Banc of America Investment Services, and Wells Fargo Investments. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Derek Bohne is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors and Allegis Investment Advisors. Outside of his advisory role, he is involved in fixed insurance sales and assists clients with Medicare decisions through Financial Strategies Institute. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate entities. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization, supported by technology and a multi-advisor platform.

Matthew Newton is a financial advisor at Fidelity with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 1996. Outside of his advisory role, he serves as Corporate Secretary for a family business organized as an S corporation for tax purposes. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Jonathan Gates is a CFP®-certified financial advisor with nine years of industry experience. He is currently with LPL Financial and previously worked at MML Investors Services, LLC, and Mass Mutual Life Insurance Co. Gates is involved in entrepreneurial activities including operating Gates Wealth Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, utilizing various portfolio strategies and advanced operational tools while maintaining oversight of substantial discretionary assets through a large network of advisors.

Jina Tanner is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 66 and Series 63 securities licenses and has worked at various Fidelity affiliates since 2000. Outside of her advisory role, she is involved in managing real estate through ownership and administrative duties in several LLCs. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios comprised of mutual funds, ETFs, and ETPs.

Jon Nielson is a CFP® professional with 18 years of industry experience, currently serving at Cambridge Investment Research Advisors. His prior experience includes eight years at MSI Financial Services, Inc. He is also an independent insurance agent based in Cottonwood Heights, UT. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a range of platforms and proprietary model strategies.

Alexandra Hilbert is a financial advisor with Cetera, holding the Series 66 designation and possessing five years of industry experience. Her prior roles include positions at Janney Montgomery Scott and Carta Securities. Outside of advising, she works as a server at a restaurant and serves as Director of Events for a nonprofit organization related to a local ladies’ executive golf society. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 advisors and serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and custodial relationships.

Jeffrey Barrick is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 credentials and 11 years of industry experience. His prior roles include positions at UBS Financial Services, E*TRADE Securities, Fidelity, and Knox Capital Advisors. Outside of his advisory work, Barrick is involved in several business ventures, including consulting for a machine shop and managing a commercial circuit breaker sales company. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles, affiliated research, and municipal advisory services.

Michelle Bodin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. Her prior roles include positions at Bright Insurance Services, Transamerica Financial Advisors, World Financial Group, Wildcat Insurance, and a long tenure at Primerica. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Cameron Leavitt is a financial advisor at Equitable Advisors in Salt Lake City, UT, with nine years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Equitable Advisors in 2025, he worked at Morgan Stanley for four years and at E*TRADE Securities for a total of five years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party asset managers.

John Neuenswander is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. His prior work includes roles at Jordan Investment Services, Jordan Credit Union, Cetera Advisor Networks, Cetera Wealth Services, Equitable Advisors, and CUNA Brokerage Services. He has also been involved in non-variable insurance as a separate business activity. 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 variety of financial planning and investment management solutions, leveraging both proprietary and third-party strategies across discretionary and non-discretionary accounts.