Raymond Runia is a financial advisor with Morgan Stanley in Provo, Utah, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. His work history includes positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, The Church of Jesus Christ of Latter Day Saints, Bank of America, and Merrill. Outside of his advisory role, he is the owner of Addo Recovery, LLC, an addiction recovery business, and serves as a director for the charitable organization Thanksgiving Point Institute Inc. Morgan Stanley Wealth Management provides a comprehensive range of advisory programs to individuals and institutional clients, focusing on tailored financial planning that integrates firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual engagements and corporate financial planning agreements.

Andre Hoglin is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and previously worked in roles including at Utah Red Wolves Academy, where he is also a soccer coach. Andre’s background includes several positions related to sports coaching and education. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs supported by structured planning tools and extensive resources.

Benjamin Chandia is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and four years of industry experience. His career background includes roles at PFS Investments Inc., Primerica Financial Services, and prior service with fire departments in West Valley City and Ogden City. He is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors along with corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Stacie Gayler is a financial advisor at Fidelity with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked in various capacities at Fidelity since 1999. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies and advisory roles with multiple registered investment companies.

Scott Hickman is a financial advisor with Morgan Stanley in Sandy, Utah, holding Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Morgan Stanley, he held roles in various businesses including Danco Development and Outdoor Lighting Perspectives. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized investment and planning capabilities.

Angie Battaglia is a financial advisor with Edward Jones in South Jordan, Utah, holding a Series 66 designation and four years of industry experience. She has been with Edward Jones since 2016 and previously operated a small business, Chocolate Covered Wagon, from 2003 to 2017. Outside of her advisory role, she is a member and owner of two jointly held real estate management companies in Utah. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm is notable for its large network of advisors and branches, offering both discretionary and non-discretionary strategies under a fiduciary standard.

Jaron Dansie is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2026. In his role, he collaborates with clients to develop tailored financial strategies that align with their unique goals and circumstances, focusing on optimizing wealth and providing clarity as clients' objectives evolve. Jaron has been with Fidelity Investments since 2007, acquiring experience across various roles including Director, National Planning Consultant (2015-2026), Financial Consultant at the Scottsdale Branch (2014-2015), Investment Consultant in Portfolio Advisory Services (2012-2014), and positions involving Workplace Planning, Investments, and Service Trading (2007-2012). Outside of his professional duties, Jaron has interests in fishing, fitness, and outdoor adventures.

Tyler Migdat is a financial advisor with Morgan Stanley in Sandy, Utah, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at E*TRADE Capital Management and Fidelity Brokerage Services, as well as experience in real estate with Keller Williams Realty. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive resources, managing approximately $2.74 trillion in client assets.

Matthew Taylor is a financial advisor at Morgan Stanley with 18 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Matthew holds the Series 66 designation and is based in South Jordan, UT. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Michel Marcura is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, he worked at Global Janitorial Services, Mountain America Credit Union, Lyft, and Lumos. Outside of his advisory role, he is involved as an independent contractor in food delivery with DoorDash. Morgan Stanley Wealth Management provides a 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 utilizes structured tools and modeling techniques to assist clients, while emphasizing advisory services without providing individual security recommendations in standalone planning.

Chad Romney is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63, Series 66, and Series 65 licenses. His prior roles include positions at Fidelity Brokerage Services and Goldman Sachs. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, serving clients primarily in an advisory capacity.

Ronald Smith is a financial advisor with Cetera, holding a Series 66 credential and 20 years of industry experience. He has been with Cetera Advisors LLC since 2013 and has owned and operated GDI Consulting USA Inc, a non-securities related consulting business, since 2006. Outside of his advisory work, Smith serves as a part-time university instructor at Utah Valley University. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies across various program structures and custodial relationships.

Frankie Tipiani is a financial advisor with Morgan Stanley in Sandy, Utah, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2022, Tipiani worked in various roles including positions at Wasatch Medical Clinic and International Cruise and Excursions. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and scenario modeling, offering financial plans without providing individual security recommendations.

Jeno Jaramillo is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has prior experience at Goldman Sachs and several other firms. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Michelle Chadwick is a CFP® and holds a Series 66 license, with five years of experience at Edward Jones. Prior to joining Edward Jones in 2020, she worked for thirteen years at Lone Peak Veterinary and has been a Mary Kay beauty consultant since 2006. Outside of her advisory role, she is involved in beauty consulting and manages horse boarding activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households and corporate entities. The firm manages over $1 trillion in assets through a nationwide network of advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Belith Trujillo is a financial advisor with Morgan Stanley in South Jordan, Utah, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2021, Trujillo worked at Tailored Management, Uber, Byram Healthcare, and CaptionCall. Outside of advising, Trujillo is a partner in a local laundry service business. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, including financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services that include estate planning and corporate financial planning agreements.

Amy Archibald is a financial advisor with Edward Jones in South Jordan, Utah, holding a Series 66 designation and two years of industry experience. She previously worked as a CPA for the State of Utah Department of Human Services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

Nuno Lucas is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations. His career includes longstanding roles at various units within Fidelity Investments since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with a notable focus on model portfolios and the use of AI-driven methodologies.

Kenneth Cuthbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), underscoring his role in providing personalized investment guidance to clients. Kenneth earned a Bachelor's Degree from Utah State University. His educational background supports his expertise in financial planning and wealth management.

Douglas Christensen is a financial advisor at Merrill with 18 years of industry experience. He has held roles at Merrill since 2019 and previously worked at Wells Fargo Bank for 13 years. Christensen is a passive owner of a family business that sells custom couches to consumers and interior designers. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.