Richard Bebo is a financial advisor with Osaic and holds the ChFC® and Series 63 designations. He has 41 years of industry experience, including 25 years with Osaic. Outside of his advisory work, he is involved as a chaplaincy support team member for the nonprofit Good News Global, which provides support for ministry work in correctional facilities. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs various asset-allocation tools and portfolio management services to meet diverse client needs.

Joshua Jones is a financial advisor with Fidelity Investments in Salt Lake City, UT, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Bryson Bard, Northwestern Mutual Investment Services LLC, and Benjamin Gantt. Outside of advising, he operates a small baked goods business and is an aspiring author engaged in writing and editing fiction. 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 blend of fundamental research and quantitative analysis to construct model portfolios featuring mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Rachel Eckman is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over two decades at Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach 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.

Paul Shoemaker is a CFP® with 28 years of industry experience. He has worked at Merrill since 1998 and has been with Morgan Stanley in various roles since 2012, including at Morgan Stanley Private Bank, National Association since 2015. He is based in Salt Lake City, UT. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by a Global Investment Committee.

Scott Jones is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. He previously worked at Holiday Oil and has served in the Utah Army National Guard since 2003. Outside of his advisory role, he is involved in coaching in Saratoga Springs, UT. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Richard Ruff is a financial advisor with Fidelity in Salt Lake City, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. He has worked with Fidelity Brokerage Services since 2015 and joined Fidelity Investments in 2025. Outside of finance, he is the sole proprietor of a chiropractic practice serving a limited patient base. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research, quantitative analysis, and algorithmic methods. The firm also serves as an adviser to multiple registered investment companies and utilizes systematic processes for portfolio management.

Chad Waddoups is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with LPL Financial since 2008. In addition to his advisory role, he manages operations and compliance for Mountain America Insurance Services as part of his responsibilities with Mountain America Credit Union. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Aaron Fox is a financial advisor with Morgan Stanley in Sandy, Utah, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior work includes over a decade at Fidelity Brokerage Services and roles at E*TRADE Capital Management and Securities before joining Morgan Stanley. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and modeling techniques to assist clients in evaluating potential outcomes.

Chris Sercu is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he co-manages the Venture Services Group Trading team. His primary responsibilities include fund level liquidation, distribution trading for institutional limited partners, and derivatives and structured products. He also contributes to the development and implementation of 10b5-1 plans, conducts client research and market analysis, and leads quantitative and data analytics for the group. Chris joined Venture Services Group in June 2012. He holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from the Claremont Consortium of Colleges, where he studied economics, accounting, and finance. Chris has been recognized on Forbes' Best-in-State Next Generation Wealth Advisors list in 2023 and the Best-in-State Wealth Advisors list in 2024.

Preston Drage is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Morgan Stanley, he worked at E*TRADE Securities LLC and has a background that includes roles outside financial services such as at eBay and Enterprise Rent-A-Car. 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 including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Timothy Henrichsen is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at Fidelity Brokerage Services LLC since 2019 and joined Fidelity Investments in 2025. Outside of his advisory role, he briefly managed rental properties with Eyre Properties. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and offers model portfolios constructed from mutual funds, ETFs, and ETPs.

Andrew Brown is a financial advisor with Raymond James Financial, holding Series 63, 65, and 66 licenses and 15 years of industry experience. He has been associated with First Western Advisors and Raymond James Financial Services Advisors Inc. since 2015 and also operates Aj Brown Financial. In addition to advisory work, he is involved in marketing life insurance through Harding Financial Partners. 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, corporations, and institutional clients. The firm offers tailored non-discretionary planning and utilizes analytical tools like risk profiling and probability modeling to support client goals.

Cody Judkins is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Charles Schwab, where he has worked since 2022, following previous roles at Fidelity Brokerage Services and Investools by TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base mainly comprised of 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 a mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios, alternative investment due diligence, and centralized operational infrastructure.

James Johnson is a financial advisor with LPL Financial in Salt Lake City, UT, holding Series 63 and Series 65 designations and possessing 38 years of industry experience. Prior to joining LPL Financial in 2025, he worked for SCF Securities, Inc. and SCF Investment Advisors, Inc. for a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Melanie Froemmling is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1992. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Erik Knutsen is a financial advisor at Edward Jones with 30 years of industry experience, having been with the firm since 1996. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves as a Commander in the Idaho Army National Guard. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory programs, supported by a nationwide network of financial advisors and branch offices.

Dakota Mathews is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, Dakota worked at Podium, UHEAA, and Discover Financial Services. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, as well as fund advisory services.

Sarah Hinman is a financial advisor at LPL Financial based in Salt Lake City, UT, holding CFP®, PFS™, and Series 65 credentials with 10 years of industry experience. Her prior experience includes positions at Fiducient Advisors LLC and Trinity Financial Advisors, LLC. Outside of her advisory work, she operated Embellish Boutique for six years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs and financial services, including discretionary and non-discretionary portfolio management supported by proprietary and third-party research.

Kauner Owen is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2021, progressing through positions including Workplace Planning Associate, Workplace Planning Consultant, and Planning Consultant. In his work, Kauner partners with clients and their families to establish collaborative financial plans aimed at addressing their questions and concerns. He holds insurance licenses in Arkansas and California. Outside of his professional duties, Kauner enjoys fishing, golf, and outdoor adventures.

Byron Bendixsen is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2005. He has been with Fidelity Investments since 2001, progressing through positions including Fixed Income Specialist, Investments Representative, and Financial Service Representative. With 24 years of experience, Byron partners with investors at various stages of life to develop, implement, and maintain disciplined financial plans despite challenging market conditions. He holds insurance licenses in Arkansas and California. Outside of his professional responsibilities, Byron enjoys camping, cooking and baking, family activities, outdoor adventures, running, and volunteering.