Elisabet Forsman Knecht is a financial advisor at Ameriprise with 11 years of industry experience and holds a Series 66 designation. She has been with Ameriprise since 2014. Outside of her advisory role, she serves on several nonprofit boards focused on women’s business networking and teaches an advanced Swedish language class as an adjunct professor at Brigham Young University. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Danielle Edwards is a Financial Consultant currently working at Fidelity Investments since 2022. She has been advising clients for over 16 years, with experience spanning both full-service planning and discount brokerage environments. Danielle focuses on supporting clients with financial planning, investment strategy, cash flow generation, wealth accumulation, protection strategies, and tax-efficient investing. Her professional experience includes roles as a Financial Consultant at E*TRADE from Morgan Stanley from 2017 to 2022, a Financial Advisor at Cambridge Financial Services from 2014 to 2017, and a Financial Advisor at Waddell & Reed from 2010 to 2014. Danielle holds a California Insurance License. Outside of her professional work, she has interests in boating, football, music, outdoor adventures, photography, and traveling.

Collin Duffy is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2022 and 2023, respectively. Outside of finance, he has held various roles in the hospitality and marina sectors. 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 combines non-discretionary advisory relationships with access to affiliated discretionary strategies, providing clients with multi-asset portfolios and alternative investment options.

Joseph Borg is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He previously worked at Goldman Sachs for three years and has been with Wells Fargo Bank since 2018. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research from its Wells Fargo Investment Institute with third-party analytics to support its investment decisions.

Seth Gardner is a financial advisor with Fidelity Investments based in Salt Lake City, UT, holding Series 66 and Series 63 designations and has two years of industry experience. Prior to joining Fidelity, he held roles at companies including WEX Inc and Uber Technologies, Inc. Outside of his advisory work, Gardner is involved in several entrepreneurial and delivery roles, including managing a small crypto mining business and serving as a live auctioneer for a livestream auction platform. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct systematic model portfolios from a broad investable universe, supporting both discretionary and non-discretionary advisory mandates.

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.

Eric Smith is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2013. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software tools to develop written investment recommendations.

Bradley Kast is a financial advisor at MassMutual Investors Services with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at E*TRADE Capital Management and Morgan Stanley Private Bank. In addition to his advisory role, he is also licensed to sell life, disability, long-term care insurance, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and supports a range of specialized planning programs.

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.