Hal Harper is a financial advisor at Fidelity with 13 years of industry experience and a Series 66 designation. He has worked at Fidelity Investments since 2015 in various capacities, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Prior to that, he worked at USAA Financial Planning Services and Edward Jones. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that 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 proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Scott Meek is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Fidelity since 2012, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios across various investment platforms.

Brooke Carlson is a financial advisor at Ameriprise with three years of industry experience. She holds the Series 66 designation and has been with Ameriprise since 2015. Outside of her advisory work, she participates in the Amazon Influencer Program by creating short video reviews of products, which are posted on Amazon’s website. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendations. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

Oscar Mondragon Trullo is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Chase Bank, Merrill, and Bank of America. He is based in Salt Lake City, UT. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cole Niederhauser is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and TAB Bank. Outside of finance, his background includes roles in retail and community organizations. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and firm-approved processes to support client financial planning.

Albert Horman is a financial advisor at Fidelity with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with various Fidelity entities since 1995. Outside of his advisory role, he assists in managing his family's real estate activities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios and funds.

Kim Burgon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Todd Frumson is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked at various firms including Minnesota Life Insurance Company and Renaissance Financial. He serves as an elected board member for Big Brothers Big Sisters of Utah. Cetera Investment Advisers LLC provides advisory services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Charlotte Painter is a Certified Financial Planner® with 12 years of industry experience. She has worked at Morgan Stanley since 2021 and previously held positions at JPMorgan Securities LLC, JPMorgan Chase Bank, Royal Alliance, LPL Financial, and Zions Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Lindsay Wheeler is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked within various divisions of Fidelity since 2005. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and offers model portfolios via intermediary platforms.

Crew Robinson is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at Brigham Young University and the University of California San Diego. 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. The firm operates with oversight of sub-advisers and employs systematic methodologies across a broad investable universe including mutual funds and ETFs.

Kathleen Hatcher is a financial advisor with Merrill in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. Her background includes roles at Bank of America, N.A., Cetera, Cetera Investment Services, and MB Financial. 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 supported by internal and third-party managers for a range of client types including individuals, high-net-worth clients, and institutions.

Brian Nichols is a financial advisor with Merrill in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2012. Outside of his advisory role, Nichols is a managing member of Nichols Quarters LLC, an entity established for estate planning related to family recreational property in Idaho. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blaine Chambers is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held various roles in hospitality, retail, and community organizations, including positions at Copper Rock Golf Course and the Utah Youth Soccer Association. Fidelity’s Strategic Advisers LLC, where Blaine works, provides investment management and advisory services to a diverse client base, utilizing a process that combines fundamental research with quantitative and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, advisory roles to multiple registered investment companies, and integration of AI-driven research techniques.

Ginger Avitt is a financial advisor at Fidelity with 22 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Fidelity since 2004, including roles at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios built from mutual funds, ETFs, and ETPs, and acts as an advisor to multiple registered investment companies and fund-of-funds.

David Hesterman is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021, with prior experience at E*TRADE Securities and Morgan Stanley. Outside of his advisory role, he is involved in managing a rental property. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage various registered investment companies and funds.

Dakota Brinton is a financial advisor at Fidelity with a Series 66 license and two years of industry experience. Prior to joining Fidelity, he worked at 1-800 Contacts and Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Cindy Call is a financial advisor at Fidelity with six years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2019. Prior to her current role, she was with Seven Peaks and has a background that includes time at Brigham Young University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it is noted for its formal advisory roles to multiple registered investment companies and use of advanced technologies in research.

Breanna Kerbs is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and one year of industry experience. Her prior experience includes 18 years at Veterans First Mortgage. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios composed of mutual funds, ETFs, and ETPs.

Steven Cox is a financial advisor with UBS Financial Services, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.