Nicholas Fivas is a Wealth Management Planning Consultant at Fidelity Investments, a position he has held since 2022. In this role, he partners with Wealth Management Advisors to develop comprehensive wealth plans tailored to clients' goals and values, focusing on growing and protecting wealth and building legacies for future generations. Nicholas has been with Fidelity Investments since 2015, progressing through roles including Managed Account Support Specialist and High Net Worth Service Associate. His experience spans providing support and services to high net worth clients, reflecting his expertise in wealth management and client relationship building. Outside of his professional responsibilities, Nicholas engages in family activities, golf, movies, and parenthood.

Daniel Van Wagoner is a Private Wealth Advisor with The Van Wagoner Group at Merrill Private Wealth Management. He provides leadership, strategy, and guidance to an accomplished clientele, helping them grow and steward their wealth more effectively. Daniel applies extensive knowledge of the capital markets combined with a background in accounting to streamline the complexities of significant wealth, utilizing a tax-sensitive framework tailored to each client's distinctive circumstances. Daniel collaborates closely with Merrill’s capital market groups to identify and evaluate investment strategies that align with his clients’ needs, preferences, risk tolerance, and time horizons. He integrates considerations such as wealth-transfer objectives, philanthropic interests, and long-term wealth strategy within his clients' overall wealth frameworks. His expertise includes alternative investments, such as private equity, venture capital, hedge funds, and real estate offerings. He earned both his Bachelor’s and Master's degrees in Accountancy from Brigham Young University. Daniel holds the Chartered Financial Analyst (CFA) designation and the Chartered Alternative Investment Analyst (CAIA) designation. Outside of his professional role, Daniel races semi-professionally in cycling, has competed internationally in the Marathon Mountain Biking World Championships, and enjoys spending time outdoors with his wife Sarah and daughter, including skiing and traveling, particularly to Northern Europe. He also speaks Norwegian, a language he acquired during several years living in Norway.

Trisha Kennedy is a financial advisor with Primerica Advisors in West Jordan, UT, holding the Series 63 and Series 66 designations and bringing 24 years of industry experience. Her career includes roles at Primerica Advisors, Wedbush Securities Inc., and Market Star Corporation. In addition to advisory services, she is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients primarily, with a model-driven investment approach supported by third-party asset managers and custodial services. The firm operates at scale with several thousand advisors and manages approximately $15.5 billion in assets.

Troy Bell is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2019, following a 19-year tenure at CSS Industries Inc. Outside of his financial career, Troy is involved in local music as a band member and participates in a childcare business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning using structured discovery and proprietary tools, managing approximately $2.74 trillion in client assets.

Timothy Payne is a CFP® credentialed financial advisor with 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets. He is based in Salt Lake City, UT. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Todd Denning is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Fidelity and its affiliates since 1999, including seven years at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its role as a registered commodity pool operator and its formal advisory responsibilities to multiple registered investment companies and fund-of-funds.

Christian Marinos is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked with various Fidelity entities since 2005, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Outside of finance, he is involved in commercial fishing as an independent contractor in Alaska. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Lori Morgan is a Planning Consultant at Fidelity Investments, a position she has held since 2023. She brings over 25 years of experience in the financial industry to her role. Prior to her current position, Lori held several roles at Fidelity Investments, including Senior Relationship Manager from 2006 to 2023 and Relationship Manager for High Net Worth clients from 2005 to 2006. Before joining Fidelity, she worked as a Service Manager in New Business at Lincoln Financial from 2000 to 2005. Throughout her career, Lori has focused on providing a high level of customer service by offering access to tools and resources that support both advisors and their clients. Her extensive experience allows her to provide valuable support tailored to client needs. Outside of her professional work, Lori is interested in baseball, fishing, social events with friends, pets, and volunteering.

James Jones is a financial advisor at Morgan Stanley with nine years of industry experience. He has held various roles at Morgan Stanley since 2018 and previously worked at E*Trade Securities LLC and Wells Fargo Clearing Services. Morgan Stanley Wealth Management serves both 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 a structured planning process supported by firm-approved tools and market models.

Alex Love is the Vice President and Financial Consultant at Fidelity Investments, a role held since 2017. Alex has been with Fidelity Investments since 2008, progressing through various positions including Director of Retirement Planning, Financial Consultant, Investment Consultant, and Retirement Relationship Manager. This extensive experience has provided Alex with a comprehensive understanding of financial consulting and retirement planning. As a Certified Financial Planner™, Alex focuses on retirement planning tailored to the specific needs of clients, emphasizing education and goal-based planning. Alex holds insurance licenses in Arkansas and California. Outside of professional responsibilities, Alex has personal interests that include family activities, fitness, football, snowboarding, and traveling.

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 at Fidelity with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2022. Prior to this, his background includes roles at Brookfield Properties and the United States Postal Service. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Fidelity Brokerage Services, Wells Fargo Clearing Services, and The Vanguard Group. Carlisle also rents out the basement of his primary residence. 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 and discretionary investment solutions, combining multi-asset model portfolios with centralized custody and operational support.

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.