Tiffany Schrader is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and nine years of industry experience. Her prior roles include positions at Helgesen, Houtz & Jones, Great Western Insurance Company, Transamerica Financial Advisors, Inc., World Financial Group, Inc., and Olandos. She also serves as a paralegal at Helgesen, Houtz & Jones outside of her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment programs and platforms supported by technology tools and oversees more than $819 billion in discretionary assets through a large network of advisors.

Ivana Packer is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Fidelity Brokerage Services and Capital Wealth Advisors. She has been with Morgan Stanley since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial and estate planning. The firm employs a structured discovery process and advanced planning tools but does not provide individual security recommendations within its standalone planning services.

Jesse Vance is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Morgan Stanley, where he worked for a combined 13 years. Outside of his advisory work, he holds ownership interests in two investment-related businesses based in Utah. 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 supported by proprietary research and tools, with services tailored to clients meeting specific net-worth thresholds.

Scott Ririe is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo and UBS Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework.

Alan Bailey is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 65 and Series 63 licenses. His prior roles include positions at E*TRADE Capital Management LLC and E*Trade Securities LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Jason Christenson is a financial advisor with Morgan Stanley in South Jordan, UT, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His career includes roles at Morgan Stanley since 2015 and a position at Solium Financial Services LLC in 2020. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include structured planning conversations and advanced modeling techniques.

Luis Ruiz is a financial advisor with Morgan Stanley in Sandy, Utah, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, he worked seven years at Discover Financial Services. Outside of his advisory role, Ruiz has held positions with Uber and Amazon and is set to join the Utah National Guard. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process involves structured discovery conversations and firm-approved tools to model outcomes, while clients retain responsibility for plan implementation.

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 Series 65 and Series 63 licenses and previously worked at Securities America Advisors and Allegis Investment Services. Outside his advisory role, he operates a recreational equipment rental service offering boats, trailers, and off-highway vehicles. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, providing both brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

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 with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Wells Fargo, spanning over a decade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other clients through a select group of Wealth Advisors. The firm’s non-discretionary advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a forward-looking investment approach.

Bita Mesdaghi is a financial advisor with Fidelity who holds Series 63 and Series 66 credentials and has 20 years of industry experience. She has worked across multiple Fidelity affiliates since 2006, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction, with oversight of sub-advisers and a focus on model portfolios.

Raymond Whittenburg is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 and 65 licenses, with 40 years of industry experience. He previously worked at Woodbury Financial Services, Securities America Advisors, and Sunset Financial Services. Outside of his advisory role, he is president of Whittenburg Insurance & Investment Group, overseeing a team of licensed agents in life insurance and annuities sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan participants, charities, and corporations. The firm offers both brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform supporting a wide range of investment programs.

Tanner Hummel is a financial advisor with LPL Financial, holding a Series 66 designation and starting his advisory career in 2025. Prior to joining LPL Financial, he has experience in positions at Mountain America Credit Union, Utah Valley University, and T-Mobile. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced technology and a large network of over 22,800 advisors.

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 20 years of industry experience. He holds a Series 66 designation and previously worked at Goldman Sachs from 2016 to 2018 before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Brent Koga is a financial advisor with OSAIC in Salt Lake City, UT, holding a Series 63 designation and bringing 37 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation from 1988 to 2025. In addition to his advisory role, he offers accident and health insurance, disability insurance, fixed annuities, indexed annuities, and fixed life insurance. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing both brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm’s investment process relies on model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party management.

Karen Craig is a financial advisor at Edward Jones in Salt Lake City, UT, with two years of industry experience. She holds a Series 66 designation and previously worked at Vestergaard Frandsen Inc. and operated a business called Baby Bling, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

James Turnbull IV is a financial advisor with Cetera, holding Series 63 and Series 66 designations and totaling 26 years of industry experience. His prior roles include nine years at Morgan Stanley Smith Barney. He also manages compliance and risk functions at Peak Financial Network Solutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

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.