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.

Kevin Larson is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Securities America Advisors and Cetera Wealth Services. Outside of his advisory role, Larson serves as a financial consultant at Transwest Credit Union and holds a position as an insurance agent offering life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting diverse investment strategies across discretionary and non-discretionary program structures.

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 at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity since 2011. Outside of his advisory role, he pursues photography on a limited basis, focusing on family photographs for friends. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and formal advisory roles to multiple registered investment companies.

Austin Gardiner is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 65 designations and four years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he worked at Hewlett-Packard from 2007 to 2020 and held roles at Xerox and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Stephanie Torosian is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 65 and Series 63 designations and bringing 18 years of industry experience. Her work history includes roles at Wells Fargo Bank, Douglas C. Lane & Associates, and Bruderman Asset Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthew Jenkins is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services, LLC since 2008 and Fidelity Investments since 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

John Ferrier is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. His career includes long tenure at Fidelity Brokerage Services and roles at Morgan Stanley, E*Trade Securities, SoFi Wealth, and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Cynthia Burt is a financial advisor at Merrill in Salt Lake City, UT, with five years of industry experience. She holds the Series 63 and Series 66 licenses. Prior to joining Merrill in 2021, she worked at Fidelity Brokerage Services LLC for one year and has held roles outside the financial industry, including positions at American Greetings and the University of Oklahoma. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base ranging from individuals to corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad range of products and services beyond typical investment management.

Stephen Johnson is a financial advisor with Raymond James Financial in Draper, Utah, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has worked with Raymond James and its affiliates since 2004 and owns an LLC used for payroll purposes. Johnson is also a co-agent in a non-variable insurance business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and external managers, with a notable emphasis on advisory roles over discretionary management.

Stewart Campbell is a CFP®-credentialed financial advisor with 16 years of industry experience, currently affiliated with LPL Financial in West Jordan, UT. He has been with LPL Financial since 2010 and also maintains a role at Mountain America Credit Union since 2009. Outside of his advisory work, he serves as an adjunct professor at Utah Valley University. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Christopher Debrow is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2006. 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 and fund searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Alan Paulson is a financial advisor with Morgan Stanley in Salt Lake City, UT, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020, previously holding positions at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that integrate structured planning processes with extensive retail and institutional investment offerings.