Justin Smith is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial LLC and Dorne J Hall. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm operates as both a broker-dealer and investment adviser, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Ryan Kunkler is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has held positions at Morgan Stanley and E*TRADE Capital Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that utilizes structured discovery tools and modeling techniques.

Alicia Zhang is a financial advisor at Raymond James & Associates with the Series 66 designation and approximately one year of experience. Her prior roles include positions at Ameriprise Financial, Mountain America Credit Union, and the University of Utah. She has also worked with nonprofit and community organizations such as ABS Kids and Shamrock Communities. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and government entities, providing wealth advisory planning, investment consulting, and specialized services such as municipal and public finance advisory.

Casey Kotter is a CFP® with 22 years of industry experience and has been with OSAIC since 2013. He holds the Series 66 designation and serves as a partner and CFO of Integrated Financial Group, an LLC focused on financial and investment planning. Kotter is also involved in managing his wife’s psychology practice through business and marketing planning support. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of financial advisers. The firm offers integrated brokerage and advisory services, using advanced asset-allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Robert Nelson is a financial advisor at Cetera with 37 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at VOYA Financial Advisors and NFG Advisors. He also operates as an independent insurance agent focusing on fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Alex Kingsbury is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at E*TRADE Securities LLC and Utah Imports Inc. Kingsbury holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management serves 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 structured planning tools supported by its Global Investment Committee.

Gregory Norris is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, he was involved with Invisible Device Armor, LLC from 2010 to 2018. 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 and financial planning services that utilize firm-approved tools and investment research to support client planning.

Landon Hadley is a financial advisor at Morgan Stanley with six years of industry experience. He has previously worked at Wells Fargo, Fidelity Investments, J.P. Morgan Securities, and US Bank. Outside of his advisory work, he operates a bookkeeping business through LKH Ventures, LLC and also works as an Uber driver in Salt Lake City. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Aaron Rennemeyer is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo from 2011 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and investment committee analyses.

Berkley Hanks is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 2007. Hanks is involved in non-variable insurance solicitation and estate and insurance plan research through related business activities. 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 offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management with access to model portfolios and research.

Brooke Carlson is a financial advisor at Ameriprise with three years of industry experience. She holds the Series 66 designation and has been with Ameriprise since 2015. Outside of her advisory work, she participates in the Amazon Influencer Program by creating short video reviews of products, which are posted on Amazon’s website. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendations. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

Cole Niederhauser is a financial advisor at Morgan Stanley with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Morgan Stanley in 2026, he held positions at Fidelity Investments and various other businesses including Morty's Car Wash and TAB Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to support its financial planning process.

Kim Burgon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Valton Jackson is a financial advisor with Raymond James Financial in Orem, Utah, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Raymond James Financial and its affiliate since 2008 and previously worked at LGCY Power from 2015 to 2018. Outside his advisory role, he is the owner of Vermillion Vista Finance, a support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, offering tailored recommendations through a range of brokerage and advisory solutions, with a notable emphasis on non-discretionary advisory services.

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 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Amazon, the University of Utah, and Brigham Young University-Hawaii. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

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.

Brian Nichols is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2012. Outside of his advisory role, he is a general partner and managing member of Nichols Quarters LLC, an entity established for estate planning purposes related to family recreational property. Merrill provides managed account services primarily through the Select Portfolio Solutions program for Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies that serve individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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.

Samuel Earl is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and nine years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Wells Fargo Clearing from 2017 to 2022 and at Huntsman Corp from 2016 to 2017. Outside of his advisory role, he has ownership stakes in EARL STREET, LLC and GREENHEAD HOLDINGS, LLC, both investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations.