Todd Frumson is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked at various firms including Minnesota Life Insurance Company and Renaissance Financial. He serves as an elected board member for Big Brothers Big Sisters of Utah. Cetera Investment Advisers LLC provides advisory services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Charlotte Painter is a Certified Financial Planner® with 12 years of industry experience. She has worked at Morgan Stanley since 2021 and previously held positions at JPMorgan Securities LLC, JPMorgan Chase Bank, Royal Alliance, LPL Financial, and Zions Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Lindsay Wheeler is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked within various divisions of Fidelity since 2005. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and offers model portfolios via intermediary platforms.

Carter Cushing is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Amazon, the University of Utah, and Brigham Young University-Hawaii. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Crew Robinson is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at Brigham Young University and the University of California San Diego. 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. The firm operates with oversight of sub-advisers and employs systematic methodologies across a broad investable universe including mutual funds and ETFs.

Kathleen Hatcher is a financial advisor with Merrill in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. Her background includes roles at Bank of America, N.A., Cetera, Cetera Investment Services, and MB Financial. 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 supported by internal and third-party managers for a range of client types including individuals, high-net-worth clients, and institutions.

Brian Nichols is a financial advisor with Merrill in Salt Lake City, UT, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2012. Outside of his advisory role, Nichols is a managing member of Nichols Quarters LLC, an entity established for estate planning related to family recreational property in Idaho. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blaine Chambers is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held various roles in hospitality, retail, and community organizations, including positions at Copper Rock Golf Course and the Utah Youth Soccer Association. Fidelity’s Strategic Advisers LLC, where Blaine works, provides investment management and advisory services to a diverse client base, utilizing a process that combines fundamental research with quantitative and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, advisory roles to multiple registered investment companies, and integration of AI-driven research techniques.

David Hesterman is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021, with prior experience at E*TRADE Securities and Morgan Stanley. Outside of his advisory role, he is involved in managing a rental property. 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 combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage various registered investment companies and funds.

Dakota Brinton is a financial advisor at Fidelity with a Series 66 license and two years of industry experience. Prior to joining Fidelity, he worked at 1-800 Contacts and Amazon. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Cindy Call is a financial advisor at Fidelity with six years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2019. Prior to her current role, she was with Seven Peaks and has a background that includes time at Brigham Young University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it is noted for its formal advisory roles to multiple registered investment companies and use of advanced technologies in research.

Breanna Kerbs is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and one year of industry experience. Her prior experience includes 18 years at Veterans First Mortgage. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios composed of mutual funds, ETFs, and ETPs.

Steven Cox is a financial advisor with UBS Financial Services, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Susan Wieck is a CFP® professional with 26 years of experience in the financial services industry. She is currently associated with LPL Financial and has worked there since 2021. In addition to her financial advisory roles, Susan is involved with the Westminster College Community Choir, the Junior League of Salt Lake City, and the Utah State University Office of Planned Giving. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research resources to support both discretionary and non-discretionary management strategies.

Brandon Wilson is an AT Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he progressed through various roles within Fidelity, including Investment Solutions Representative II (2024-2025), Investment Solutions Representative I (2023-2024), Active Trader Representative (2022-2023), High Net Worth (2022), and Customer Service Advocate (2021-2022). In his current role, Brandon focuses on building meaningful relationships by understanding each client's story, values, and goals to co-create personalized financial strategies. He aims to empower clients to make informed decisions and pursue lasting financial security. Outside of his professional work, Brandon's personal interests include board games, football, kayaking, and snowboarding.

Taylor Moroz is a Financial Consultant at Fidelity Investments, where they assist clients in pursuing their financial goals by identifying financial planning needs and recommending strategies tailored to individual situations. Taylor has held various roles within Fidelity Investments since 2017, progressing from Customer Relationship Advocate to their current position, gaining experience in planning and investment consultation. Throughout their tenure at Fidelity Investments, Taylor has worked in multiple capacities, including as a Planning Consultant, Investment Consultant, and Workplace Planning Consultant at different levels. This progression reflects their involvement in diverse aspects of financial planning and client service within the organization. Taylor holds insurance licenses in Arkansas and California, supporting their professional activities in these regions.

Katrina Leonard is a financial advisor with Wells Fargo Clearing in Salt Lake City, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Leonard has partial ownership in family investment entities but does not have active management roles in them. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Samuel Earl is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and nine years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Wells Fargo Clearing from 2017 to 2022 and at Huntsman Corp from 2016 to 2017. Outside of his advisory role, he has ownership stakes in EARL STREET, LLC and GREENHEAD HOLDINGS, LLC, both investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations.

Tyler Bingham is a financial advisor with Edelman Financial Engines who holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior experience includes roles at Empower Financial Services, Morgan Stanley, E*TRADE Capital Management, and J.P. Morgan Securities. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified portfolios and long-term strategies.

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.