Jesse Caldwell is a Financial Consultant at Fidelity Investments, where he applies a client-focused approach to help individuals navigate complex financial landscapes. His method emphasizes understanding each client's unique goals and developing clear, actionable strategies that adapt to their evolving needs. Jesse views his client relationships as long-term partnerships built on trust and accountability. Jesse's experience at Fidelity Investments includes roles as a Planning Consultant, Director Retirement Planner, and Retirement Planner, positions he has held since 2019. He holds insurance licenses in Arkansas and California, which support his capacity to provide comprehensive financial planning services. Outside of his professional duties, Jesse enjoys outdoor activities such as camping, hiking, motorcycling, outdoor adventures, and snowboarding.

David Mackay is a CFP® professional with 23 years of experience in the financial services industry. He has worked at LPL Financial since 2021 and previously worked with various insurance carriers and Waddell & Reed Inc. Outside of his advisory work, he is involved with Rise Financial & Tax Advisors, a venture related to his LPL business activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michelle Lundahl is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at UBS Financial Services and BuildbyB LLC, as well as several years with Orangetheory Fitness and community involvement with the Church of Jesus Christ of Latter Day Saints. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, pension plans, and charitable organizations. The firm offers a range of financial planning and consulting services, utilizing multiple portfolio management styles and affiliated research to support tailored, non-discretionary advice.

Tina Montoya is a financial advisor at OSAIC with 25 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes over a decade at Sagepoint Financial and experience with Securities America Advisors. Outside of her advisory role, she owns a sole proprietorship under KJP Wealth Management and is involved in research and recommendations related to insurance products tied to financial planning. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm utilizes comprehensive investment tools and multiple advisory platforms to construct portfolios with stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Daniel Kartchner is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals 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 provides services through both direct individual plans and employer-based Corporate Financial Planning agreements.

Caleb Walton is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at TrueInsight.io and Neogov. He has also worked in various non-financial sectors, including education and retail. Fidelity’s Strategic Advisers LLC 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 to develop diversified model portfolios.

Jodi Vawdrey is a ChFC®-designated financial advisor at LPL Financial with 21 years of industry experience. She has held roles at several firms including Northwestern Mutual, Royal Alliance, Cetera, and currently leads Vawdrey Wealth Management Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers diversified advisory programs, financial planning, and retirement consulting supported by research and multiple portfolio management options.

Jared Pratt is a Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. In this role, he collaborates with clients to develop and monitor financial plans tailored to their unique financial goals. He has been with Fidelity Investments since 2011, progressing through several roles including Financial Representative, Relationship Manager, and Financial Consultant prior to his current position. Jared holds insurance licenses in Arkansas and California.

Spencer Merkley is a Financial Consultant currently working at Fidelity Investment since 2023. He has held roles as a Financial Advisor at Morgan Stanley in 2023, Financial Consultant at E*Trade Capital Management from 2015 to 2023, and Financial Services Representative at E*Trade Securities from 2011 to 2015. Spencer connects with clients to help them map out a financial roadmap through education and guidance. He holds insurance licenses for both Arkansas and California. Outside of his professional work, Spencer has interests in baseball, board games, cooking and baking, gardening, hiking, and reading.

Nicolette Horning is a financial advisor at Edward Jones in Salt Lake City, UT, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked at Bio-Design and held positions at Washington University in St. Louis, including a role in the Department of English. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the United States.

Gregory Aiken is a financial advisor with Robert W. Baird & Co. in Salt Lake City, UT, holding Series 65 and Series 63 designations and bringing 27 years of industry experience. His prior firms include LPL Financial, Zions Bank, Zions Direct, Inc., and Zions Capital Advisors. He serves as a director of The Stephen & Lynda Jacobsen Foundation, a nonprofit organization. Baird’s DDK Group, part of the Private Wealth Management department, serves individual, corporate, pension, profit-sharing, and charitable clients with a range of financial planning and portfolio management services. The firm combines manager-traded and model-traded strategies with tax management and direct indexing, supported by internal research and technology, managing approximately $394 billion in assets as of December 2025.

Riley Montague is a financial advisor with Equitable Advisors and holds the Series 66 designation. He has four years of industry experience, including prior roles at Stifel Independent Advisors and Equitable Advisors. Before entering the financial industry, he worked in the restaurant and fitness sectors. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and asset management services. The firm utilizes a range of advisory programs, often delivered through third-party managers, and offers services covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Donovan Kattner is a Series 66-licensed financial advisor with six years of industry experience, currently with Fidelity Investments in Salt Lake City, UT. His prior roles include positions at Bank of America, AXA Advisors, Edward Jones, and Bank of Colorado. Outside of his advisory work, he contributes as an independent contractor to The Covered Podcast, discussing sports topics. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Brian Kasteler is a financial advisor with LPL Financial in Cottonwood Heights, UT, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at MML Investors Services, Inc. and Mass Mutual for 16 years before joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting supported by model portfolios and research from LPL Research and third-party subadvisors.

Paul Seibt is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding the Series 63 and Series 66 credentials and possessing 14 years of industry experience. His career includes roles at Fidelity Investments and its affiliated businesses since 2012. Outside of his advisory work, he is a member manager responsible for operations at Fifthand Partners LLC, a real estate and personal asset business based in Montana. Wells Fargo Advisors is a national securities firm managing approximately $671 billion in assets with over 14,000 financial advisors. The firm provides investment advisory, financial planning, retirement plan consulting, and brokerage services to individual, corporate, and institutional clients.

Keith Hays is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2023, following a 13-year tenure at E*Trade Securities LLC. 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, including tailored financial planning that uses structured discovery and analytical tools to assist clients in developing their plans.

Thomas Withers is a financial advisor at Merrill with Series 65 and Series 63 licenses and three years of industry experience. He has previously worked at Morgan Stanley and Quantem. Merrill, together 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yerard Bauza is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, Fidelity Investments, and E*Trade Securities. Outside of his advisory role, he owns and operates Crown Horology LLC, a business involved in the resale of watches, jewelry, bags, wallets, and leather goods. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable emphasis on including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ryley Boman is a CFP® with nine years of industry experience, currently advising clients at Morgan Stanley. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA for a combined total of ten years. 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, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Cortney Albanese is a financial advisor with OSAIC, holding a Series 66 designation and 19 years of industry experience. She has been with OSAIC since 2013. Outside of her advisory role, she manages Albane Consulting LLC, an LLC established for her personal tax strategies. OSAIC serves a broad client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.