Jennifer Shadel is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services since 2018, joining Fidelity Investments in 2025. Fidelity's Strategic Advisers LLC, where she is employed, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, managing portfolios through systematic methodologies and long-term asset allocation benchmarks.

Randal Higginson is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo in various capacities since 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kevin Townsend is a CFP®-certified financial advisor with Raymond James & Associates, bringing 29 years of industry experience. His career includes 21 years at Merrill Lynch and 12 years at Bank of America before joining Raymond James in 2021. He is based in Salt Lake City, UT. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and consulting with a primarily non-discretionary approach supported by various portfolio management styles and affiliated research.

Jack Watkins is a financial advisor at RBC Capital Markets with 42 years of industry experience. He has been with RBC Capital Markets Corporation since 2008 and holds Series 63 and Series 65 credentials. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Christopher Ahearn is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Morgan Stanley and Citigroup Global Markets before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning options, including specialized services such as business-owner transition and special-needs planning, supported by Wells Fargo research and planning tools.

Trenton Christensen is a CFP® with 20 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Wells Fargo Investments and Bancwest Investment Services. Outside of his advisory role, he holds a 50% ownership interest in a real estate holding company based in Lehi, Utah. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Brendan Carroll is a financial advisor with Fidelity in Salt Lake City, UT. He holds the Series 63 and Series 66 designations and has two years of industry experience. His prior work includes roles at Compunnel/Morgan Stanley and Hanaya Poke. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, offering discretionary portfolio management and fund advisory services. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.

Jordan Gerlach is a financial advisor at Morgan Stanley in Salt Lake City, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked at Goldman Sachs and held roles at several other organizations including Prince Perelson and PNC Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools.

David North is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 credentials and having seven years of industry experience. His prior roles include positions at Fidelity Brokerage Services, LLC and involvement with companies such as Lyft, Uber, and the Corporation of the Presiding Bishopric. Outside of his advisory work, he is a partner in a vending machine operation. David is part of Strategic Advisers LLC, a Fidelity Investments company that serves retail and institutional clients through discretionary portfolio management, advisory services, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage investments.

Riel Desaulniers is a financial advisor at Morgan Stanley in Salt Lake City, UT, holding a Series 66 designation with three years of industry experience. His prior roles include positions at E*Trade and Acima Credit, as well as work at the University of Utah. Morgan Stanley Wealth Management serves individual and institutional clients by providing a 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 offers services through both direct client relationships and corporate financial planning agreements.

Jeffrey Mann is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2015, initially serving as a Financial Consultant until his current appointment. Prior to joining Fidelity, he worked as a Financial Advisor at Wells Fargo Advisors from 2009 to 2015 and began his career in the financial sector as a Personal Banker at Wells Fargo from 2007 to 2009. In his capacity as a financial consultant, Jeffrey focuses on providing comprehensive wealth planning services. His expertise includes retirement income planning, investment strategy selection, income protection, and facilitating family conversations related to financial matters. These areas form the core of his approach to assisting individuals and families. Outside of his professional responsibilities, Jeffrey enjoys biking, family activities, football, golf, and hiking.

Joseph Munier is a financial advisor at Charles Schwab with 22 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. for over two decades. Munier also owns residential rental properties in Las Vegas, which are managed by a property management company. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a centralized operational structure.

Cassie Anderson is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., Bank of America, N.A., Merrill, and The Kansas City Steak Company. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Travis Koltermann is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He has previously worked at Loomis US and has experience running a sole proprietorship specializing in irrigation sprinkler repair and maintenance. Outside of advising, he works as an independent contractor delivering food through DoorDash. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Jonathan Adams is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004, concurrently serving with Bank of America, N.A. since 2012. Outside of his advisory role, he is the owner of Beech's Bar A Ranch, a limited liability company involved in horse breeding. Merrill, along 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 investment strategies for a range of individual and institutional clients.

Tomas Cabeza is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC. Outside of his advisory role, he participates in the Amazon Vine program, receiving products for evaluation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios that include mutual funds, ETFs, and ETPs.

Blake Swell is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and having eight years of industry experience. He has worked at Fidelity Brokerage Services, LLC since 2017 and joined Fidelity Investments in 2025. Prior to his financial career, he was employed at UPS for 12 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Samuel Vetas is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and over 43 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation, UBS Financial Services, and Morgan Stanley DW Inc. He serves on the Board of Directors for the Utah Film Center. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides tailored planning advice and recommendations focused on dependable income sources and tax-aware withdrawal strategies.

Robin Heward is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He has been with Wells Fargo Bank, N.A. since 2006 and joined Wells Fargo Clearing in 2023. 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. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jon Willhite is a financial advisor at Morgan Stanley in Salt Lake City, UT, with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2017. Outside of his advisory role, he is involved in business ventures related to social media and technology development. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.