Zachary Pinnau is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at Kovack Advisors, Kovack Securities, and KAC Financial Services. He also serves as a Ward Assistant Clerk for Finance with The Church of Jesus Christ of Latter-Day Saints in Salt Lake City, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that includes proprietary tools and scenario modeling.

Maxwell Bischoff is a financial advisor at Fidelity with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles outside finance, such as positions at Tahoe Getaways, Sugar Bowl Resort, and Stanley Tree Service. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Matthew Ondricek is a financial advisor at Morgan Stanley in Salt Lake City, holding a Series 66 designation with four years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, as well as prior experience at Byler Foods. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a variety of advisory programs. The firm offers tailored financial planning that utilizes structured discovery conversations and model-based tools, managing approximately $2.74 trillion in client assets.

Dustin Lana is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity in 2024, he held roles at Amazon Day One Deliveries LLC, iMedia Audiences, Doordash, and Ninefold Marketing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm also offers discretionary and non-discretionary advisory work, fund advisory, and model portfolio delivery, with noted use of algorithmic methods and AI in its investment approach.

Scott Cunningham is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at various Wells Fargo entities since 2011 and is involved in other business activities including ownership in South Mountain Wealth Management LLC and partial ownership in Apex Golf of Utah LLC, which provides golf instruction. He also serves as trustee for the South Mountain Wealth Management 401(k). Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu that includes specialized services such as business-owner transition planning and special-needs analysis, with recommendations developed using proprietary research and tools.

Ryan Bailey is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has worked at various Fidelity entities since 1999, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services and managing model portfolios using systematic methodologies.

Anthony Lazzara is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2011, currently also serving at Morgan Stanley Private Bank, National Association. He acts as a trustee and co-trustee for a trust based in Naples, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, employing structured financial planning supported by firm-approved tools and methodologies.

Adam Clark is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He collaborates with individuals and families to manage wealth through tax-efficient investing and risk management strategies. He has experience in various capacities at Fidelity Investments, including roles as an Investment Management Consultant, Investment Solutions Help Desk representative, Workplace Planning Consultant, Investment Solutions Representative, and Customer Relationship Advocate from 2020 through 2025. Adam holds insurance licenses in Arkansas and California. Outside of his professional work, Adam enjoys boating, camping, lake activities, outdoor adventures, skiing, and parenthood.

Derrick Whitney is a financial advisor with Morgan Stanley in South Jordan, Utah, holding the Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Raymond James Financial Services and Utah Wealth Strategies Inc. He is also the proprietor of DJW Vista Holdings LLC, a real estate business involved in property management, sales, marketing, and business development. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, offering financial planning supported by firm-approved tools and methodologies, including Monte Carlo simulations and secular return estimates. The firm manages approximately $2.74 trillion in client assets and provides a broad array of investment and financial planning services.

Matthew Barrus is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities for over a decade. Barrus is based in Sandy, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by firm‑approved planning tools and broad retail and institutional services.

Benjamin Warren is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at E*TRADE Capital Management and E*Trade Securities. He is currently based in Holladay, Utah. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Mc Kay Dewey is a financial advisor with Cetera, holding a Series 66 designation and based in Sandy, Utah. Although new to the industry with no prior financial advisory experience, Dewey has held roles at several organizations including Renaissance Financial and Hire Bloom. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of investment management and financial planning services, operating a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Julie Palmer is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity in various roles since 2012. Outside of her advisory work, she is a member of Our Clues, LLC, a certified functional nutrition business where she guides clients on health. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs.

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, currently serving at Morgan Stanley in Salt Lake City, UT. He has worked with Morgan Stanley and its affiliated entities since 2012, and previously spent 14 years with Merrill. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach incorporates structured discovery and advanced modeling tools while generally acting in an advisory capacity.

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, Utah, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has worked at Fidelity Brokerage Services since 2015 and joined Fidelity Investments in 2025. Outside of finance, he is the sole proprietor of Utah Family Spinal Care, providing chiropractic services on a limited basis. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to diverse clients, including retail and institutional investors, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Chad Waddoups is a financial advisor with LPL Financial in Sandy, Utah, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He 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 broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.