Ben Barlow is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 27 years of industry experience. He has been associated with multiple Fidelity entities since 1997, including Strategic Advisers since 2003 and Fidelity Personal and Workplace Advisors since 2018. 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 blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios from mutual funds, ETFs, and ETPs, and serves as an advisor to multiple registered investment companies with a distinctive role in proxy voting and governance.

Lauren Davis is a financial advisor with Fidelity Investments based in Salt Lake City, UT. She holds a Series 66 designation and has two years of industry experience. Prior to joining Fidelity, she held roles at Chartway Federal Credit Union and Northwestern Mutual. Outside of finance, she previously operated a piano studio. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory role to multiple registered investment companies and use of systematic methodologies in portfolio management.

Allison Osgood is a Series 66-licensed financial advisor with nine years of industry experience. She has worked at U.S. Bancorp Investments, Securities America, and Smedley Financial Services before joining LPL Financial and Zions Bank in 2024. 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 representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Jonathan Bacon is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. He previously worked at Zions Direct for 32 years before joining Fidelity. 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 combination of fundamental research, quantitative analysis, and algorithmic portfolio construction and serves as an advisor to multiple registered investment companies while delivering model portfolios through Fidelity Institutional Wealth Adviser.

Amy Trappett is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work includes multiple roles at Wells Fargo Bank from 2017 to 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kent Thai is a financial advisor with Fidelity in Salt Lake City, UT. He holds a Series 66 designation and has been with Fidelity Investments since 2025. His previous work experience includes roles at Yuteai LLC, Nordstrom, Target, Zara, Domino's, Jordan River Insurance, and the University of Utah. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad range of clients, including retail and institutional investors, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model solutions.

Justin Adams is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and 20 years of industry experience. He has worked with Wells Fargo Bank since 2005 and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is involved in managing rental properties 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Daren Jepson is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity since 2005, progressing through roles including Financial Representative, Investments Representative, Fixed Income Specialist, and various consultant positions before his current role. Throughout his career, Daren has developed extensive experience in financial consulting, focusing on crafting and executing personalized strategies that align with clients' financial goals. He holds insurance licenses in Arkansas and California. Outside of his professional work, Daren enjoys football, hiking, horseback riding, skiing, and tennis.

Keith Young is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2013, progressing through roles including Financial Consultant, Portfolio Specialist, Fixed Income Specialist, Retirement Planner, and High Net Worth Service Representative. With over a decade of experience in the financial industry, Keith works with individuals and families to develop and monitor holistic financial plans tailored to their preferences and goals. He holds insurance licenses in Arkansas and California. Outside of his professional work, Keith enjoys hiking, reading, running, sailing, skiing, and snowboarding.

Kevin Shields is a financial advisor with Morgan Stanley in Park City, UT, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2018, preceded by two years at Goldman Sachs & Co. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs with an emphasis on tailored financial planning supported by firm-approved tools and methodologies.

Gordon Vetas is a financial advisor with Ameriprise Financial Services LLC, holding Series 66 and Series 63 designations and two years of industry experience. His prior roles include positions at Fidelity Investments and RBC Wealth Management, as well as entrepreneurial work in custom framing and gallery management. Ameriprise is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Spencer Davies is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at U.S. Bank and Utah Community Credit Union. Outside of finance, he was briefly involved with Mom's Place Gluten Free, LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized manager due diligence. The firm integrates an ESG eligibility framework in its investment recommendations and offers a range of products through its broader broker-dealer and banking organization.

Sonia Thorne is a Wealth Management Planning Consultant at Fidelity Investments, where she has been serving since 2017. In this role, she is part of a team dedicated to delivering personalized wealth management services, focusing on creating comprehensive strategies to help clients grow, preserve, and transfer their wealth across generations. Sonia has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 1993, including Central Relationship Manager, Fixed Income Specialist, Self Directed Brokerage Representative, and Financial Representative. She holds a California Insurance License. Outside of her professional career, Sonia's interests include family activities, reading, traveling, and volunteering.

Joshua Peterson is a financial advisor at Fidelity with three years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Fidelity, he worked in property management, insurance, and marketing roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers a range of discretionary and non-discretionary advisory services, including management of multi-manager funds and delivery of model portfolios to intermediary platforms.

Randy Berger is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 65 and Series 63 credentials and bringing nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and with Wells Fargo Bank, NA since 2012. 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 through a large network of advisors and offers both brokerage and advisory solutions.

Benjamin Pali is a financial advisor with Ameriprise in Saratoga Springs, UT, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes roles at Keeler Thomas Management LLC and SagePoint Financial. He is a silent partner with a 40% share in a physical therapy franchise, Fyzical Therapy & Balance Centers, managed by his brother. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Trevor Evans is a financial advisor at Fidelity with Series 63 and Series 66 designations and 13 years of industry experience. He has been associated with various Fidelity entities since 2012, including Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it holds distinctive roles such as registration with the CFTC as a commodity pool operator and advisory responsibilities for multiple registered investment companies.

Lisa Adamson is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors and E*TRADE Capital Management prior to joining Morgan Stanley. Adamson serves as co-trustee for family trusts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers financial planning and advisory services supported by structured planning tools and a range of investment programs.

Mc Kay Howard is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Morgan Stanley, Howard held roles at E*Trade Securities, University of Utah Health, and Utah Valley University. There are no notable outside activities reported. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and delivers customized planning services without individual security recommendations as part of its standalone programs.

Conner Sorensen is a financial advisor with Fidelity Investments in Salt Lake City, UT, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Alliance Laundry Equipment and multiple educational and telecommunications organizations. Fidelity’s affiliate, 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 manage various fund structures and model portfolios.