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.

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.

Ronald Fullmer is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 43 years of industry experience. He has worked with Prudential Insurance Company of America since 1980 and transitioned to LPL Enterprise in 2024. LPL Enterprise serves a diverse clientele, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset managers through an integrated platform that combines advisory programs with brokerage and insurance products.

Michael Tibbitts is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. He has held prior roles at Fidelity Investments and Bank of America, N.A. His work history also includes positions outside finance, such as at Melaleuca Inc and The Church of Jesus Christ of Latter Day Saints. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Bart Carlson is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has worked across multiple Fidelity entities since 2008. Outside of his advisory work, he is an independent contractor driving for Uber. 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 systematic investment process combining fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Adam Fullmer is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management LLC and E*Trade Securities LLC. Outside of his advisory role, he is involved in property management as a partner at Aurelius Capital Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm employs a structured planning process supported by advanced modeling techniques and offers access to various investment products and strategies.

Samuel Peterson is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2021 and previously spent 12 years with Royal Alliance Associates, INC. Peterson has additional experience as a life insurance agent since 2009. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio solutions across multiple platforms, combining proprietary and third-party strategies with discretionary and non-discretionary investment implementation.

Avinash Parikh is a financial advisor with Fidelity in Salt Lake City, UT, holding the Series 66 designation. He joined Fidelity in 2025 and has diverse work experience across various industries prior to entering the financial services field. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and serves in advisory roles to multiple registered investment companies.

Tyler Nelson is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 66 licenses and four years of industry experience. His work history includes roles at firms such as Equitable Advisors, Morgan Stanley, and E*Trade Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Andrew Hale is a financial advisor with Morgan Stanley in South Jordan, UT, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with Morgan Stanley since 2011, including four years with the Morgan Stanley Services Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Alexander Anderson is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at R1rcm Inc and Mountain America Credit Union. Outside of his advisory work, Anderson serves as an owner and manager of a rental property. Alexander works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and advises multiple registered investment companies and fund‑of‑funds.

James Rigtrup is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2005 and operates a business under the name Keystone Wealth Management Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

Dylon Mayer is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. His prior experience includes roles in healthcare and insurance, as well as self-employment in a cleaning business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Carter Karras is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 license and three years of industry experience. Prior to joining Fidelity, he worked at Best of Utah Moving and held various positions in retail and service roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diverse investment portfolios and model strategies.

Mark Nielsen is a financial advisor with Wells Fargo Clearing in Taylorsville, UT, holding Series 63 and 66 credentials and 17 years of industry experience. His prior experience includes roles at Fidelity Investments and Morgan Stanley. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to a wide range of individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and utilizes research and analytics based on diversification principles and modern portfolio theory.

Jacob Jordison is a financial advisor with LPL Financial in Riverton, Utah, holding a Series 66 designation and 18 years of industry experience. He has worked at LPL Financial since 2019 and has prior experience at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. Jordison is also associated with Mountain American Credit Union. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Ethan Adair is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His work history includes roles at Fidelity Investments, Vivint, Uber, and other companies. Outside of his advisory work, he also works as a delivery driver for DoorDash and Uber during his free time. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services that include discretionary management, fund advisory, and model portfolios.