Lillian Bird is a financial advisor with Ameriprise in Draper, UT, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2019, she spent 16 years as a stay-at-home mom. Outside of her advisory role, she has involvement with JJM Building Services LLC in a remote assistant capacity. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jet Ngu is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Brookfield Properties and the United States Postal Service, as well as an academic position at the University of Utah. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its use of AI-driven research and its advisory role to multiple registered investment companies.

Joseph Allen is a financial advisor with Ameriprise in Lehi, Utah, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Allen operates JCAllen, LLC, an entity through which he manages his advisory business activities. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research-driven strategies and algorithm-supported recommendations to deliver personalized, tax-efficient retirement income plans. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional financial services providers.

Emmett Kelly Garcia is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at firms including Sand Hill Global Advisors, United Capital Financial Advisers, Morgan Stanley, and Goldman Sachs. Prior to his financial services career, he spent sixteen years in primary and secondary education. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority, and allows clients to integrate planning with managed-account programs through a consolidated billing option.

Gregory Banks is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Devin Heward is a financial advisor at Fidelity with a Series 66 designation. He joined Fidelity Investments in 2025 and has prior work experience in the telecommunications and retail sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and offers advisory roles to several registered investment companies and fund-of-funds.

Tyler Keyes is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and 7 years of industry experience. He has worked at Wells Fargo Clearing Services since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Toner is Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2011. In this role, he works with clients to identify their financial goals and develop strategies to effectively utilize their assets toward achieving those objectives. He holds insurance licenses in Arkansas and California, which support his ability to provide comprehensive financial planning services. Richard's approach centers on collaborative planning to create tailored wealth strategies aligned with client outcomes.

Robert Carlisle is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Fidelity Brokerage Services, Wells Fargo Clearing Services, and The Vanguard Group. Carlisle rents out the basement of his primary residence to a tenant. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, combining a large client base with integrated custody and brokerage services.

Brady Beck is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining Ameriprise, he worked at Land Rover Centerville and has held various roles within Ameriprise since 2017. Outside of his advisory work, he sells jewelry at a local artists market and assists part-time with framing and gallery duties at Brushworks Gallery in Salt Lake City. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kayla Van Horn is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Ameriprise in South Jordan, UT. She has been with Ameriprise and its affiliate since 2014. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing tailored Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support client planning, delivering recommendations through a centralized consulting team.

Brytt Christensen is a financial advisor at Wells Fargo Advisors with nine years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at E*Trade Securities, Elevated Capital Advisors, and the Ettain Group. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutions with a broad array of financial planning and investment services. The firm offers specialized planning services and integrates advisory offerings with other financial products through multiple compensation arrangements.

Yerik Valbuena is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity in 2025, he worked in various roles in the automotive and service industries. Outside of advising, he is involved as a registered agent for a floral and nail services business and operates ecommerce and personal car rental ventures. 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 across mutual funds, ETFs, and ETPs.

Stephen Ninow is a financial advisor with UBS Financial Services in Salt Lake City, UT, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, Northwestern Mutual Investment Services, and Durham Jones and Pinegar. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, leveraging proprietary research and model-based asset allocations. The firm integrates institutional trading capabilities with wealth management services, offering a comprehensive platform that includes custody, underwriting, and capital markets solutions.

Ryan Cantwell is a financial advisor at Morgan Stanley in Sandy, UT, with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, following prior roles at BMC Stock and E*TRADE Securities. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Brooke Dewaal is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. She has worked with various Fidelity entities since 2011, including Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity BROKERAGE SERVICES LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including offering discretionary portfolio management, fund advisory, and model portfolios constructed through a combination of proprietary research, quantitative analysis, and algorithmic methods.

Mathew Morrison is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity Investments since 2007, progressing through various roles including Financial Consultant, Retirement Representative IV, Retirement Solutions Representative, Investments Solutions Representative, and Financial Representative. Throughout his tenure, Mathew has developed expertise in helping clients create clear financial plans and investment strategies tailored to their goals. He holds insurance licenses in Arkansas and California.

Carlos Prieto is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. He has worked at Fidelity Investments since 2022 and previously held roles in education and construction. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Judith de Bry is a Wealth Management Planning Consultant at Fidelity Investments, where she supports Wealth Planners in Private Wealth with their clients and clients' families. Her role involves collaborating with clients to create financial and family legacies by addressing their situations, finding appropriate strategies, and identifying areas for improvement in their overall financial plans. She emphasizes forming strong relationships based on trust and integrity. Judith has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1997, including Regional Planning Consultant Private Wealth, Planning Consultant, Financial Consultant, Investment Management Consultant II, and Planning Consultant for Annuity and Life. She also worked as a Wealth Management Advisor at TIAA and as a Financial Advisor at AXA. Judith holds insurance licenses in Arkansas and California.

Diego Lopez is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*TRADE Capital Management and E*Trade Securities. He has also been affiliated with Salt Lake Community College since 2011. Morgan Stanley Wealth Management is an SEC-registered advisor and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and a range of investment programs.