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 at Charles Schwab with 22 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. for over two decades. Munier also owns residential rental properties in Las Vegas, which are managed by a property management company. 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a centralized operational structure.

Travis Koltermann is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He has previously worked at Loomis US and has experience running a sole proprietorship specializing in irrigation sprinkler repair and maintenance. Outside of advising, he 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 blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

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 Financial Services, holding Series 63 and Series 66 credentials and over 43 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation, UBS Financial Services, and Morgan Stanley DW Inc. He serves on the Board of Directors for the Utah Film Center. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides tailored planning advice and recommendations focused on dependable income sources and tax-aware withdrawal strategies.

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 with Robert W. Baird & Co. in Salt Lake City, UT, holding Series 66 and Series 63 credentials and 11 years of industry experience. He previously worked at LPL Financial, LLC and Zions Bank from 2016 to 2023, and at Fidelity from 2015 to 2016. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals—including high net worth clients—corporate and business clients, pension and profit-sharing plans, and charitable organizations. Baird offers a range of financial planning, portfolio management, and advisory services that include manager-traded and model-traded separately managed accounts, tax-management, and direct-indexing strategies.

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. His prior work includes tenure at Morgan Stanley and Wells Fargo Bank NA. Outside of his advisory role, he holds partial ownership in several rental property ventures. Wells Fargo Advisors is a large national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, utilizing research and analytics to inform its investment approach.

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 at Fidelity with 10 years of industry experience. He holds the Series 66 designation and has worked across several Fidelity entities since 2016, including Fidelity Brokerage Services, LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services, including managing multi-manager and fund-of-funds structures.

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.