Kristin Mazza is a financial advisor at Merrill with a Series 66 license and three years of industry experience. She has worked at Merrill since 2022 and was previously employed at Bank of America, N.A. from 2024. Prior to her financial services career, she spent nine years at South Davis Pediatric Dentistry. 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 offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alissa Carlton is a financial advisor at Morgan Stanley with 9 years of industry experience. She holds Series 63 and Series 66 designations and has been with Morgan Stanley since 2015, including time at Morgan Stanley Services Group Inc. from 2017 to 2018. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies such as Monte Carlo simulations.

Toni Johanson is a financial advisor at Fidelity with 18 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services LLC since 2007. 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 uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in developing model portfolios, and maintains formal advisory roles to multiple registered investment companies and fund-of-funds.

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.

Kenneth Lopez Joa is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His background includes roles in education and campus services at the University of Utah and Dual Immersion Academy. Outside of his advisory work, he is a partner and owner of a computer-building and sales business in Salt Lake City, where he manages operations and social media content. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

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.

Jon Nielsen is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He has more than a decade of experience in the investments industry, having held positions such as Senior Financial Advisor at CUNA Brokerage Services, Inc., Retirement Planner and Retirement Solutions Representative at Fidelity Investments, Investments Consultant at Wells Fargo Advisors, and Private Client Investments Consultant at JP Morgan Chase Wealth Management. Throughout his career, Jon has focused on helping clients pursue their financial goals through thoughtful planning and guidance. He emphasizes building meaningful relationships and serving as a trusted resource at every stage of life. Jon aims to provide personalized guidance by understanding each client's priorities, values, and objectives to align with their long-term vision. Jon holds a California Insurance License. Outside of his professional work, he has interests in art, food, football, hiking, and singing.

Steven Earhart is a financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley, he worked in healthcare plan management and the construction industry. Morgan Stanley Wealth Management serves both individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. Their comprehensive planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations within standalone plans.

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.

Carl Hafen is a financial advisor with Ameriprise in North Salt Lake, UT, holding a Series 66 designation and 10 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, Hafen has business ownership interests related to succession planning through CX, LLC. Ameriprise serves individuals approaching or in retirement, typically with significant investable assets, offering retirement-income planning through its Premier Retirement Income service. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, tailored recommendations delivered in partnership with financial advisors.

Kyra Domgaard is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior roles include positions at Discover Financial Services and Starbucks. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Jeffrey Hunter Sr. is a financial advisor with UBS Financial Services in Los Angeles, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with UBS Financial Services since 2007. Outside of his advisory role, he serves as an advisor to the Auticon Training Institute, a nonprofit focused on increasing employment opportunities for individuals on the autism spectrum. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and capital market models to tailor client strategies.

Marcus Wyner is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. He has worked with various Fidelity entities since 2006, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing proprietary research combined with quantitative and algorithmic portfolio construction methods. The firm is noted for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and use of AI-driven research techniques.

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.

Megan Roman is a financial advisor with Fidelity and holds Series 63 and Series 66 licenses. She has five years of industry experience, including her current role at Strategic Advisers LLC, a Fidelity Investments company, where she has worked since 2025. Prior to that, she was with Fidelity Investments from 2020 to 2025. Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, and is noted for its use of proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and manages model portfolios using systematic methodologies.

Jeffrey Porter is a financial advisor with Fidelity Investments in Salt Lake City, UT, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been associated with Fidelity Brokerage Services, Inc. since 1998 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

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.

Barbara Ginty is a financial advisor at LPL Financial with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2013, following a prior position at Credit Suisse Securities (USA) LLC. In addition to her advisory role, she is an adjunct professor teaching financial literacy at SUNY Ulster and is an author of e-books and videos on financial topics. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using both discretionary and non-discretionary strategies.

Guy Thaller is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.