Nathanael Thacher is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments since 2011. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs, and serves in advisory and fund management roles with established governance procedures.

Nathan Embrey is a financial advisor with Fidelity Investments in Salt Lake City, holding a Series 66 designation and beginning his career in 2025. His prior experience includes roles at several firms across various industries, such as insurance and technology. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Antonio Velarde is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior experience includes multiple roles at E*TRADE Securities LLC and E*TRADE Capital Management LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and Corporate Financial Planning agreements.

John Paulus is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at North Star Resource Group, Securian Financial Services, CRI Securities, and Minnesota Life Insurance Company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services that include investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Sarah Knox is a financial advisor at Raymond James & Associates with 17 years of industry experience. She holds Series 63 and Series 65 designations. Her prior experience includes nine years at Wells Fargo Clearing and two years at WELLS FARGO Advisors, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning and consulting through a variety of portfolio management styles and provides municipal advisory services alongside its broad range of affiliated research and investment options.

Michael Peirce is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds a Series 66 designation and has been with UBS since 2014. Outside of his advisory role, he is the proprietor of Eednar LLC, a private business. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets solutions.

Connor Patterson is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work history includes roles at Coordinated Insurance, FBl Marketing Services, Fbl Financial Group, and Glacier Hospitality LLC, among others. He is also a co-founder and partner of Pulse Home Technology, where he leads networking efforts. 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 combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Travis Wilde is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2017 and previously spent a year at Zions Bancorporation. Outside of his advisory role, he owns and manages rental properties in Draper and Salt Lake City, Utah. Morgan Stanley Wealth Management provides advisory programs and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery tools and investment modeling but generally does not provide individual security recommendations as part of standalone planning.

Michael Williams is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Morgan Stanley since 2023 and E*Trade Securities LLC from 2021 onward. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its advisory process.

Jacob Wamsley is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His background includes roles at Fidelity Investments and Northwestern Mutual, as well as work with Strata Fund Solutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, model portfolios, and its regulatory registrations that support a diverse range of advisory activities.

Henry Zakharian is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations. His work history includes positions at Morgan Stanley since 2023 and at E*TRADE Securities from 2008 to the present. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

J Anderson is a Certified Financial Planner® with 39 years of industry experience. He has worked at OSAIC since 2025 and spent nearly four decades at Lincoln Financial Advisors Corporation. Anderson co-authored the book *Mastering Your Financial Success*. OSAIC Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and uses various tools and third-party platforms to construct and manage portfolios tailored to clients' needs.

Vedran Josipovic is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 credential and has worked previously at Uber and Wells Fargo Advisors. Outside of finance, he has experience managing businesses in the service and food sectors, including Wasatch Deli Provisions and Fabulous Freddy's Carwash. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios featuring mutual funds, ETFs, and ETPs.

Elizabeth Harrison is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Fidelity, she worked at the Church of Jesus Christ of Latter-day Saints and has been involved with the American Expression of Dance since 2017. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage fund advisory services.

Peggy Elizabeth Canhoto is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has been with Morgan Stanley since 2010, including her current role at Morgan Stanley Services Group, Inc. since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved tools.

Matthew Hale is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Northwestern Mutual, foreUP Golf Software, Bridgecrest, National Bank of Arizona, and Sunergy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios across various asset classes.

Gerard Miller is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at E*Trade Clearing LLC for 17 years before joining Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is involved with Solitude Mountain Resort and Willow Creek Country Club in Utah in employee capacities. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, serving clients through both direct and employer-sponsored financial plans.

Jeromy Wood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 19 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Securities America, Inc., and has also been involved with Futurity First Insurance Group since 2017. Outside of financial advising, he assists with Glamour Gowns, a retail clothing store specializing in formal wear. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports various portfolio management options, including discretionary and non-discretionary accounts.

Allen Mcneal is a Series 66-licensed financial advisor with UBS Financial Services in Salt Lake City, UT, where he has worked since 2008. He has 17 years of industry experience. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to its clients.

Cory Fillmore is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 15 years of industry experience. He has been with Fidelity Investments since 2011. Outside of his advisory work, he is involved in photography, providing family portraits for friends on a cost basis. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a research-driven, quantitative approach to portfolio construction and is noted for its advisory role to multiple funds and use of algorithmic methodologies.