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.

Kimberly Davis is a financial advisor with Morgan Stanley in Provo, UT, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. She worked at Merrill from 2000 to 2021 before joining Morgan Stanley Smith Barney LLC, where she has been since 2021. Outside of her advisory role, Davis is involved in bookkeeping for a local insurance business. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sandra Murri Johnson is a financial advisor with Morgan Stanley in Provo, UT, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Merrill, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides planning services that utilize analytical models such as Monte Carlo simulations.

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.

Annah Davis is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services LLC since 2018, following four years at State Farm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Patricia Johnson is a financial advisor with UBS Financial Services in Heber City, UT, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. She has been with UBS since 2012. Outside of her advisory role, she serves as a trustee for a family foundation focused on charitable gifts to the arts and children and is involved with Chrysalis, a nonprofit dedicated to job training and employment for homeless and low-income individuals. She also participates in the finance council of Corpus Christi Parish, reviewing financial reports and advising on fiscal matters. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor client portfolios. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services, including fiduciary financial planning and market-making activities.

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.

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.

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 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.

Isabelle Smith is a financial advisor at Raymond James Financial in Orem, UT, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at several firms including Security Service Federal Credit Union and Granite Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports both advisory programs and institutional portfolio management across a large advisor network.

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.