Chris Cho is a CFA® charterholder with seven years of industry experience, currently serving as an advisor at Fairbanks Capital Management, Inc. since 2015. He holds the Series 63 license and is based in Rancho Santa Fe, California. Fairbanks Capital Management provides discretionary investment management primarily to individual clients, including high-net-worth and non-HNW individuals, as well as institutional entities such as foundations, trusts, IRAs, and pooled investment vehicles. The firm employs a concentrated, long-term equity approach focused on purchasing businesses below intrinsic value, manages investment-grade fixed income with active duration control, and applies explicit risk controls within a purely discretionary framework.

Raphael Biderman is a financial advisor at Fairbanks Capital Management, Inc. in San Diego, CA, holding a Series 65 designation with seven years of industry experience. He has been with Fairbanks Capital Management since 2015. Fairbanks Capital Management provides discretionary investment management primarily to individual clients and institutional entities, focusing on a concentrated, long-term equity investment approach combined with active management of investment-grade fixed income. The firm is also notable for its role as adviser and sponsor of private pooled investment vehicles and real estate projects.