Brooke Paz is a financial advisor at OSAIC with four years of industry experience. She holds the Series 66 designation and has worked previously at Woodbury Financial Services, LPL Financial, and Schulz Financial Group. Outside of her advisory work, she is a partner in Sunday Afternoon Consulting LLC, a business owned by her husband in which she does not participate. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services and utilizes various tools and third-party platforms to construct customized investment portfolios.

Chad Caywood is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2016. 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 diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

John Shaw is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Antenna Group, and Tigercomm LLC. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Sam Jensen is a CFP® with two years of industry experience and is currently an advisor at Fidelity. His prior work experience includes roles at Dennler Furnishing, Riverside Country Club, Blue Raven Solar, and Farmers Insurance. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction.

Dalton Cunningham is a financial advisor at Cetera with a Series 66 credential and two years of industry experience. He has worked in various roles within Cetera and its related entities since 2023 and is also associated with Renaissance Financial, where he offers securities, insurance, and advisory services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm provides a range of portfolio management and financial planning services, offering multiple program options and access to various third-party money managers.

Clark Bloom is a financial advisor with Wells Fargo Clearing in Holladay, Utah, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is involved in managing a residential rental property jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Dylan Shepherd is a CFP® professional with 27 years of industry experience, currently with Wells Fargo Clearing since 2024. He previously spent 15 years at Lincoln Financial. 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 supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Peter Kelson is a financial advisor with Raymond James & Associates, holding Series 66 and Series 63 licenses and bringing 27 years of industry experience. His prior roles include positions at Zions Capital Advisors, Morgan Stanley, and Zions Direct Inc. 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 diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jonathan Braun is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley and its affiliated entities since 2016. Outside of his advisory work, Braun is involved in college football officiating and serves as a contractor for an international arena league team. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning incorporates structured discovery and firm-approved tools, with a focus on advisory roles rather than individual security recommendations.

Stephen Guttenberg is a financial advisor with Morgan Stanley in Boca Raton, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Merrill and Bank of America before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Outside of advising, he is the owner of an LLC that manages condo rentals at the Ocean Reef Club. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by proprietary tools and models.

Michael Maddocks is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise since 2003 and currently coaches youth tennis in Sandy, Utah. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Grace Jones is a CFP® credentialed financial advisor with three years of industry experience, currently affiliated with Cetera. Her prior work includes roles at Thrivent Investment Management Inc and US Bank. She serves as Vice President of Finance for the Pi Beta Phi Salt Lake City Alumni Club and is Treasurer for the Utah chapter of the Women’s Energy Network. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, various program structures, and access to third-party money managers.

Lucas Ruiz is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. He previously worked at E*TRADE Securities LLC and E*TRADE Capital Management LLC before joining Morgan Stanley. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Jules Rousseau is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 credentials and has 37 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was employed at Citigroup Global Markets beginning in 1993. Outside his advisory role, Rousseau serves on the Investment Committee and Finance Committee for the Catholic High School Foundation in Baton Rouge. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Tyson Hortin is a Series 66-licensed financial advisor with Morgan Stanley, where he has worked since 2017, accumulating seven years of industry experience. His prior roles include a brief tenure at Fidelity Brokerage Services and diverse positions outside finance, including work at Cafe Rio and Utah Mortgage Loan Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques to support client goals.

David Wagstaff is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, he is involved in tax preparation and serves as a third-party administrator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services with a range of discretionary and non-discretionary management options supported by in-house and third-party research.

Cindy Raap is a financial advisor with Morgan Stanley in South Jordan, Utah, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she owns and operates a Mary Kay retail and online business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Gary Teran is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and over 43 years of industry experience. He has been with First Western Advisors, including its affiliation with Raymond James, since 1984. Outside of his advisory role, he is involved as a bookkeeper for C Riley Bookkeeping LLC. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individuals, high-net-worth individuals, institutional clients, and charitable organizations. The firm offers tailored financial planning and investment consulting using analytical tools to model potential outcomes and supports various advisory programs and institutional portfolio management.

Chris Pina serves as a Senior Resident Director and Wealth Management Advisor at Merrill, where he assists families and individuals in making informed financial decisions. He began his financial services career in 2000, starting in Indian Wells, California, and later worked in Salt Lake City, Utah, focusing on credit and liquidity needs for individuals and business owners. Currently, he operates out of the Cottonwood office, helping business owners enhance the financial outcomes of their enterprises. Chris holds a Bachelor of Science degree in Finance from Brigham Young University and maintains several professional certifications, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is affiliated with the Bradley Center and is involved in church and civic causes. Outside of his professional role, Chris enjoys boating, camping, golfing, hiking, skiing, spending time with his family, and watching movies. He and his wife, Melanie, reside in South Jordan, Utah, with their six children.

John Clower is a CFA® charterholder with five years of industry experience. He is currently affiliated with Raymond James & Associates and has prior experience at Wells Fargo Advisors, LLC and Wells Fargo bank. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.