Antonio Velarde is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior experience includes multiple roles at E*TRADE Securities LLC and E*TRADE Capital Management LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and Corporate Financial Planning agreements.

Travis Wilde is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2017 and previously spent a year at Zions Bancorporation. Outside of his advisory role, he owns and manages rental properties in Draper and Salt Lake City, Utah. Morgan Stanley Wealth Management provides advisory programs and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery tools and investment modeling but generally does not provide individual security recommendations as part of standalone planning.

Michael Williams is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Morgan Stanley since 2023 and E*Trade Securities LLC from 2021 onward. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its advisory process.

Henry Zakharian is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations. His work history includes positions at Morgan Stanley since 2023 and at E*TRADE Securities from 2008 to the present. 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 tailored financial planning, managing approximately $2.74 trillion in client assets.

J Anderson is a Certified Financial Planner® with 39 years of industry experience. He has worked at OSAIC since 2025 and spent nearly four decades at Lincoln Financial Advisors Corporation. Anderson co-authored the book *Mastering Your Financial Success*. OSAIC Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and uses various tools and third-party platforms to construct and manage portfolios tailored to clients' needs.

Stephen Monsen is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, he worked at Goldenwest Credit Union and Alpine Credit Union, among other roles in the financial and service sectors. Monsen has also been involved with the Church of Jesus Christ of Latter-Day Saints. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Peggy Elizabeth Canhoto is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has been with Morgan Stanley since 2010, including her current role at Morgan Stanley Services Group, Inc. since 2022. 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 tailored financial planning supported by structured discovery conversations and firm-approved tools.

Kevin Larson is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Securities America Advisors and Cetera Wealth Services. Outside of his advisory role, Larson serves as a financial consultant at Transwest Credit Union and holds a position as an insurance agent offering life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting diverse investment strategies across discretionary and non-discretionary program structures.

Gerard Miller is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at E*Trade Clearing LLC for 17 years before joining Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is involved with Solitude Mountain Resort and Willow Creek Country Club in Utah in employee capacities. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, serving clients through both direct and employer-sponsored financial plans.

Jeromy Wood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 19 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Securities America, Inc., and has also been involved with Futurity First Insurance Group since 2017. Outside of financial advising, he assists with Glamour Gowns, a retail clothing store specializing in formal wear. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports various portfolio management options, including discretionary and non-discretionary accounts.

Stephen Johnson is a financial advisor with Raymond James Financial in Draper, UT, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has been associated with Raymond James Financial Services since 2004 and operates LJIAS, LLC, an entity he owns for payroll purposes. Johnson also serves as a co-agent in a non-variable insurance business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using advanced analytical tools and supports both individual and institutional clients through a large network of advisors.

Stewart Campbell is a CFP®-credentialed financial advisor with 16 years of industry experience, currently affiliated with LPL Financial in West Jordan, UT. He has been with LPL Financial since 2010 and also maintains a role at Mountain America Credit Union since 2009. Outside of his advisory work, he serves as an adjunct professor at Utah Valley University. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Jared Henderson is a CFP® and holds a Series 66 license, with 24 years of experience in financial advising. He has been with Equitable Advisors since 2001 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he serves as a councilman in Herriman City and coaches youth soccer for the Utah Avalanche Soccer Club. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Les Barber Jr. is a financial advisor with OSAIC based in South Jordan, Utah, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has worked at Royal Alliance since 2013 and is a partner at Integrated Financial Group, where he is involved in offering insurance and related financial products. Barber also holds leadership and ownership roles in other business entities related to tax planning and asset protection. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage and advisory services, financial planning, and access to third-party investment managers. The firm employs various asset-allocation tools and supports multiple investment platforms and legacy accounts.

Joshua Harper is a financial advisor with OSAIC who holds a Series 66 designation and has 20 years of industry experience. He has been with Integrated Financial Group and OSAIC since 2013. Outside of his advisory role, he is involved with the Family Forge Initiative, a nonprofit organization focused on charitable giving within the community. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and corporate clients by offering integrated brokerage and investment advisory services, financial planning, and retirement plan consulting. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage a broad range of investment portfolios, supporting both discretionary and non-discretionary account management.

Denton Whipple is a financial advisor with Edward Jones in Draper, UT, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Galloway and Company and has experience in engineering, consulting, and powersports industries. Outside of his advisory role, he operates a motorcycle repair business, Desert Peak Innovation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages assets through a range of advisory programs and investment solutions, supported by a large national network of financial advisors and branch offices.

Jordan Wilkins is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019. Prior to joining Edward Jones, he was employed at Optum Bank, Apex Systems, and Tucanos Brazilian Grill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Michelle Lundahl is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at UBS Financial Services and BuildbyB LLC, as well as several years with Orangetheory Fitness and community involvement with the Church of Jesus Christ of Latter Day Saints. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, pension plans, and charitable organizations. The firm offers a range of financial planning and consulting services, utilizing multiple portfolio management styles and affiliated research to support tailored, non-discretionary advice.

Tina Montoya is a financial advisor at OSAIC with 25 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes over a decade at Sagepoint Financial and experience with Securities America Advisors. Outside of her advisory role, she owns a sole proprietorship under KJP Wealth Management and is involved in research and recommendations related to insurance products tied to financial planning. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm utilizes comprehensive investment tools and multiple advisory platforms to construct portfolios with stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Daniel Kartchner is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual plans and employer-based Corporate Financial Planning agreements.