Andrew Brown is a financial advisor with Raymond James Financial Services Advisors, Inc. based in Holladay, UT, holding Series 63, 65, and 66 credentials and 14 years of industry experience. He has worked with First Western Advisors and Raymond James since 2015 and maintains an independent contractor role at First Western Advisors. Additionally, he is involved in marketing life insurance through Harding Financial Partners. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, relying on asset-allocation analysis and firm research to tailor recommendations, with a notable emphasis on advisory roles that support client decision-making rather than discretionary management.

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.

Stephen Johnson is a financial advisor with Raymond James Financial in Alpine, Utah, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Raymond James Financial since 2009. Outside of his advisory role, he serves on the board of Rose Park Elementary, where he is involved in charitable fundraising efforts to support underprivileged families. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through risk profiling and firm research, with a notable portion of its advisory business conducted on a non-discretionary basis.

Melanie Froemmling is a Series 66-registered advisor with Merrill in Salt Lake City, UT, with 26 years of industry experience. She has been with Merrill since 1992. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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 CFP® and PFS™ credentialed financial advisor based in Salt Lake City, UT, with 10 years of industry experience. She has worked at LPL Financial since 2024 and previously spent seven years at Fiducient Advisors LLC. Outside of her advisory roles, she operated Embellish Boutique for six years. 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 representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various investment management technologies.

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 66 and Series 63 credentials and one year of industry experience. His prior experience includes roles at Bank of America, Fidelity Investments, Melaleuca Inc, and The McIlroy Financial Group. He also worked at Brigham Young University - Idaho for seven years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.