Thomas Lowell is a financial advisor at UBS Financial Services with 13 years of industry experience. He previously worked at Fidelity Brokerage Services for ten years and Morgan Stanley for one year. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

David North is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 credentials and having seven years of industry experience. His prior roles include positions at Fidelity Brokerage Services, LLC and involvement with companies such as Lyft, Uber, and the Corporation of the Presiding Bishopric. Outside of his advisory work, he is a partner in a vending machine operation. David is part of Strategic Advisers LLC, a Fidelity Investments company that serves retail and institutional clients through discretionary portfolio management, advisory services, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage investments.

Riel Desaulniers is a financial advisor at Morgan Stanley in Salt Lake City, UT, holding a Series 66 designation with three years of industry experience. His prior roles include positions at E*Trade and Acima Credit, as well as work at the University of Utah. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jeffrey Mann is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2015, initially serving as a Financial Consultant until his current appointment. Prior to joining Fidelity, he worked as a Financial Advisor at Wells Fargo Advisors from 2009 to 2015 and began his career in the financial sector as a Personal Banker at Wells Fargo from 2007 to 2009. In his capacity as a financial consultant, Jeffrey focuses on providing comprehensive wealth planning services. His expertise includes retirement income planning, investment strategy selection, income protection, and facilitating family conversations related to financial matters. These areas form the core of his approach to assisting individuals and families. Outside of his professional responsibilities, Jeffrey enjoys biking, family activities, football, golf, and hiking.

Joseph Munier is a financial advisor with Charles Schwab in North Salt Lake, UT, holding a Series 66 designation and 22 years of industry experience. His prior work history includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Munier also has involvement in managing residential rental properties in Las Vegas. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management solutions. The firm combines advisory, brokerage, custody, and cash-sweep services with a multi-asset model portfolio approach and centralized operational support.

Travis Koltermann is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at Loomis US and has operated a sole proprietorship specializing in irrigation sprinkler repair. Outside of finance, he also works as an independent contractor delivering food through DoorDash. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Jonathan Adams is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004, concurrently serving with Bank of America, N.A. since 2012. Outside of his advisory role, he is the owner of Beech's Bar A Ranch, a limited liability company involved in horse breeding. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Tomas Cabeza is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC. Outside of his advisory role, he participates in the Amazon Vine program, receiving products for evaluation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios that include mutual funds, ETFs, and ETPs.

Blake Swell is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and having eight years of industry experience. He has worked at Fidelity Brokerage Services, LLC since 2017 and joined Fidelity Investments in 2025. Prior to his financial career, he was employed at UPS for 12 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Samuel Vetas is a financial advisor with Ameriprise in Salt Lake City, UT, holding Series 63 and Series 66 licenses and having 42 years of industry experience. Prior to joining Ameriprise, he worked at RBC Capital Markets Corporation for ten years. He serves on the Board of Directors of the Utah Film Center. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Robin Heward is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He has been with Wells Fargo Bank, N.A. since 2006 and joined Wells Fargo Clearing in 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jon Willhite is a financial advisor at Morgan Stanley in Salt Lake City, UT, with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2017. Outside of his advisory role, he is involved in business ventures related to social media and technology development. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Todd Wakefield is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he pursues photography and film creation through his small business, Wakefield Photo and Film, and occasionally works as a food delivery driver with DoorDash. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Jacob Haynes is a Planning Consultant at Fidelity Investments, where he has been serving since 2025. Prior to this role, he worked as a Workplace Planning Consultant at Fidelity Investments from 2023 to 2025. His earlier experience includes positions as a Corporate Foreign Exchange Consultant at GPS Capital Markets from 2021 to 2023 and as an Account Manager at TrueNorth Wealth from 2020 to 2021. Jacob holds insurance licenses in Arkansas and California. His approach to financial planning centers on aligning strategies with clients' unique goals and circumstances, focusing on identifying opportunities and building plans that support their desired futures. Outside of his professional work, Jacob enjoys fitness activities such as golf, hiking, running, skiing, and traveling.

Jonathon Bult is a financial advisor at Robert W. Baird & Co. with 11 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at LPL Financial and Zions Bank. Baird’s DDK Group, where he works, serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations with a range of financial planning and portfolio management services. The firm manages approximately $394 billion in assets and offers a variety of SMA strategies, tax-management, and municipal advisory services.

Kyle Butterfield is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2008, progressing through various roles including Financial Consultant, Account Executive, and Retirement Relationship Manager, among others. His experience spans over a decade working with clients across a wide range of financial situations. Kyle partners with individuals and families to co-create financial plans aimed at aligning with the legacy they envision. He holds insurance licenses in Arkansas and California.

Derek Holbeck is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank NA and Wells Fargo Advisors LLC. Outside of his advisory role, he holds partial ownership in several investment-related rental property entities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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 products and bank deposit sweep options among its investment offerings.

Kami Palmer is a Financial Consultant at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 1995, serving in various roles including Planning Consultant, Senior Relationship Manager, and High Net Worth Financial Representative. With 30 years of experience, Kami partners with clients and their families to build relationships based on trust. She focuses on assisting clients with retirement savings protection, investment strategy development, income creation in retirement, and tax-efficient investing to help them feel confident about their financial future. Outside of her professional role, Kami engages in cooking and baking, participates in family activities, enjoys reading and traveling, practices yoga, and volunteers.

Shaun Wilson is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and 10 years of industry experience. He has worked within various divisions of Fidelity since 2016, including Fidelity Brokerage Services and FIDELITY Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its registration as a commodity pool operator and its advisory role to multiple registered investment companies.

Britney Barney is a financial advisor with Merrill in Salt Lake City, UT, holding a Series 66 designation and 10 years of industry experience. She has worked at Merrill since 2015 and is currently affiliated with Bank of America, N.A. 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 individuals, high-net-worth clients, and institutional investors.