Luis Ruiz is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he worked at Discover Financial Services for seven years and The Results Company for one year. Outside of his advisory role, Ruiz has worked as a part-time warehouse employee at Amazon, contracted with Uber, and is scheduled to join the Utah National Guard. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and investment research.

Mary Perez is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has worked at Morgan Stanley since 2021 and previously spent seven years at Banfield Pet Hospital. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Ste Van Gates is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 65 and Series 63 credentials and previously worked at Securities America Advisors and Allegis Investment Services. Outside of his advisory role, he operates a rental service for recreational equipment including boats and camper trailers. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services along with financial planning and access to third-party money managers. The firm employs a range of tools and platforms to construct portfolios and manages accounts on both discretionary and non-discretionary bases.

Charaty Juracan is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and eight years of industry experience. Her prior roles include positions at E*Trade Capital Management, E*Trade Securities, Fidelity Brokerage Services, and Curve Dental. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by proprietary tools and models, managing approximately $2.74 trillion in client assets.

Rocio Gonzales is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Bank of America, Merrill, and Wells Fargo. Gonzales is currently based in West Jordan, Utah. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Bita Mesdaghi is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has worked across several Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, AI in research, and its advisory role to multiple registered investment companies.

Derek Page currently serves as a Benefits & Planning Consultant within the Executive Services team at Fidelity Investments. In this role, he partners with clients to identify and prioritize their financial goals, developing and implementing strategies that align with their needs, beliefs, and risk profiles while providing service and support. Derek's professional experience includes multiple roles at Fidelity Investments since 2021, progressing from Investment Solutions Representative I to his current position, as well as prior positions at Morgan Stanley from 2015 to 2021. He holds an Arkansas Insurance License. Outside of his professional work, Derek is interested in family activities, parenthood, and singing.

Raymond Whittenburg is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses. Prior to joining OSAIC in 2024, he spent nine years at Woodbury Financial Services. He is president of Whittenburg Insurance & Investment Group, overseeing approximately 25 licensed insurance agents in the sale of life insurance and annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a broad network of financial advisers. The firm employs a variety of asset-allocation tools and third-party platforms to offer discretionary and non-discretionary portfolio management solutions.

Tanner Hummel is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Mountain America Credit Union and teaching positions at Utah Valley University and Utah State University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

Robert Cheney is a financial advisor with Wells Fargo Advisors in Draper, UT, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his role at Wells Fargo, he owns and operates several investment-related businesses, including Accura Wealth Advisors LLC and Family Wealth Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and tools, with flexible implementation options through its brokerage and advisory programs.

Joseph Barnhurst is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2018, following a two-year tenure at Goldman Sachs. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates.

Brent Koga is a financial advisor at OSAIC with 37 years of industry experience. He holds a Series 63 designation and previously worked at Lincoln Financial Advisors Corporation for 37 years. Outside of his advisory role, he is licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, and fixed life insurance. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary account management.

James Turnbull IV is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He previously worked at Morgan Stanley Smith Barney for nine years and has been associated with Cetera and its affiliates since 2021. He also serves as the OSJ manager for Peak Financial Network Solutions, where he is responsible for risk and compliance functions. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management, financial planning, and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Joshua Woodbury is a financial advisor with Charles Schwab, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab since 2018 and previously held positions at Raymond James Financial Services and The Tax Company. Outside of his advisory work, he is a partner in Woodbury Real Estate Enterprises, a real estate venture. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a mix of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines integrated custody, brokerage, and advisory functions with access to alternative investments and multi-asset model portfolios.

Jason Crouch is a financial advisor with Morgan Stanley in South Jordan, Utah, holding Series 63 and Series 66 licenses and four years of industry experience. He has previously worked at E*Trade Securities and held various roles in real estate and service industries. Outside of advising, he serves as Treasurer and Board Member for a local community organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Lisa Bowers is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has worked at firms including Wells Fargo, TD Ameritrade, and E*Trade Securities. Outside of her advisory work, Bowers is a musician and singer-songwriter, operating her own music website. 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 and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analysis.

Anton Brog is a financial advisor with LPL Financial who holds Series 63 and Series 66 licenses and has 22 years of industry experience. He has been with LPL Financial since 2013 and is also associated with Intermountain Financial Group since 2007. Brog is a 50% partner in a non-variable insurance and investment advisory business with Elizabeth Harris. LPL Financial is an SEC-registered 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 plan consulting, employing both discretionary and non-discretionary management supplemented by research from LPL and third-party sources.

Neil Schimka is a financial advisor with Mass Mutual Investors Services in Lehi, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His career includes roles at J.P. Morgan Securities, U.S. Bancorp Investments, Wells Fargo Clearing Services, and currently MassMutual Life Insurance Company and MML Investors Services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs with an emphasis on collaborative, goal-oriented planning.

Alissa Foster is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at E*Trade Securities and CaptionCall. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides planning services directly to individuals and through corporate financial planning agreements.

Archie Tanaka is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Ameriprise and its affiliated entities since 1999. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that address income, Social Security, and tax-smart withdrawal strategies. The firm combines research and modeling with automated and personalized advice, primarily for clients maintaining assets in Ameriprise-managed accounts.