Travis Bowden is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2000. Outside of his advisory role, he is the owner and president of Travis R Bowden, P.C., a business management firm. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports through a centralized consulting team.

Michael Thompson is a financial advisor with Morgan Stanley in Sandy, Utah, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at E*TRADE Securities LLC and Mass Mutual Investors Services. Outside of finance, he has experience performing live symphonic orchestral and choral music. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research, managing approximately $2.74 trillion in client assets.

Alexandros Vlamakis is a financial advisor with Merrill in Salt Lake City, UT, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of finance, he is a general partner and managing member of DAT Card CO. LLC, a small venture selling Pokémon trading cards both online and at vending events throughout Utah. 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, pension plans, corporations, and charitable organizations.

Elisabet Forsman Knecht is a financial advisor at Ameriprise with 11 years of industry experience and holds a Series 66 designation. She has been with Ameriprise since 2014. Outside of her advisory role, she serves on several nonprofit boards focused on women’s business networking and teaches an advanced Swedish language class as an adjunct professor at Brigham Young University. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Collin Duffy is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2022 and 2023, respectively. Outside of finance, he has held various roles in the hospitality and marina sectors. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary strategies, providing clients with multi-asset portfolios and alternative investment options.

Joseph Hatch is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 credentials and has 19 years of industry experience. Prior to joining Raymond James in 2017, he worked at Wells Fargo Advisors from 2014 to 2017. Outside of his advisory work, he serves as president of a nonprofit owners association for his office complex. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm uses tailored, non-discretionary planning and analytical tools to align investment strategies with client goals and supports a broad network of advisors with specialized municipal and SIMPLE IRA advisory services.

Eric Smith is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software tools to develop written investment recommendations.

Bradley Kast is a financial advisor at MassMutual Investors Services with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at E*TRADE Capital Management and Morgan Stanley Private Bank. In addition to his advisory role, he is also licensed to sell life, disability, long-term care insurance, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and supports a range of specialized planning programs.

Antonio Velarde is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior experience includes multiple roles at E*TRADE Securities LLC and E*TRADE Capital Management LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and Corporate Financial Planning agreements.

Travis Wilde is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2017 and previously spent a year at Zions Bancorporation. Outside of his advisory role, he owns and manages rental properties in Draper and Salt Lake City, Utah. Morgan Stanley Wealth Management provides advisory programs and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery tools and investment modeling but generally does not provide individual security recommendations as part of standalone planning.

Brandon Smith is a Series 66-licensed financial advisor with Edward Jones in Provo, Utah, where he has worked since 2018. He has eight years of industry experience and previously served for twelve years in the Utah National Guard. Smith is a board member of the American Fork City PARC Tax Advisory Board. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, managing over $1 trillion in assets through a nationwide network of advisors and branch offices.

Michael Williams is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Morgan Stanley since 2023 and E*Trade Securities LLC from 2021 onward. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its advisory process.

Henry Zakharian is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations. His work history includes positions at Morgan Stanley since 2023 and at E*TRADE Securities from 2008 to the present. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

J Anderson is a Certified Financial Planner® with 39 years of industry experience. He has worked at OSAIC since 2025 and spent nearly four decades at Lincoln Financial Advisors Corporation. Anderson co-authored the book *Mastering Your Financial Success*. OSAIC Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and uses various tools and third-party platforms to construct and manage portfolios tailored to clients' needs.

Stephen Monsen is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, he worked at Goldenwest Credit Union and Alpine Credit Union, among other roles in the financial and service sectors. Monsen has also been involved with the Church of Jesus Christ of Latter-Day Saints. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Peggy Elizabeth Canhoto is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has been with Morgan Stanley since 2010, including her current role at Morgan Stanley Services Group, Inc. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved tools.

Kevin Larson is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Securities America Advisors and Cetera Wealth Services. Outside of his advisory role, Larson serves as a financial consultant at Transwest Credit Union and holds a position as an insurance agent offering life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting diverse investment strategies across discretionary and non-discretionary program structures.

Gerard Miller is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at E*Trade Clearing LLC for 17 years before joining Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is involved with Solitude Mountain Resort and Willow Creek Country Club in Utah in employee capacities. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, serving clients through both direct and employer-sponsored financial plans.

Jeromy Wood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 19 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Securities America, Inc., and has also been involved with Futurity First Insurance Group since 2017. Outside of financial advising, he assists with Glamour Gowns, a retail clothing store specializing in formal wear. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports various portfolio management options, including discretionary and non-discretionary accounts.

Stephen Johnson is a financial advisor with Raymond James Financial in Draper, UT, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has been associated with Raymond James Financial Services since 2004 and operates LJIAS, LLC, an entity he owns for payroll purposes. Johnson also serves as a co-agent in a non-variable insurance business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using advanced analytical tools and supports both individual and institutional clients through a large network of advisors.