Fernando Poe IV is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliated entities since 2006. 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's investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, utilizing a wide investable universe of mutual funds, ETFs, and ETPs to create model portfolios.

Andrew Bonetti is a CFP® professional affiliated with Cetera, with 14 years of experience in financial services. He has operated his own practice, Andrew Bonetti CFP, since 2018 and has been associated with CCR Wealth Management and Cetera ADVISORS LLC since 2016. Outside of his advisory work, he serves on the board of the Baypath Humane Society of Hopkinton, focusing on finance and accounting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers, supporting various program structures and custodial relationships.

Lauren Dreyer is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has been with Fidelity since 2006, including roles at Fidelity Personal and Workplace Advisors and, most recently, Strategic Advisers LLC. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm provides discretionary and non-discretionary advisory services, manages fund-of-funds structures, and utilizes systematic methodologies and long-term asset allocation benchmarks.

Jena Ness is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has previously worked at First Command in multiple roles. Ness served in the United States Marine Corps from 2013 to 2020. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs. The firm is known for its use of algorithmic methods and its advisory role to multiple registered investment companies and fund-of-funds.

Richard Clow is a financial advisor at Fidelity with Series 66 registration and one year of industry experience. His prior work includes roles at Milton Hoosic Country Club and Loyola University of Maryland. He has experience in both employment and academic environments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including portfolio management, fund advisory, and consulting. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a broad range of investment products.

Brian Carroll is a financial advisor at Cetera with 40 years of industry experience. He holds the ChFC® designation and Series 63 license. Carroll has held leadership roles in various businesses, including serving as president of Sterlingbridge Insurance Agency, LLC and as owner and CEO of PivotAI, an AI technology solutions firm. He also serves as an elected board member of a condominium association. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets through more than 10,000 advisors.

Ivi Nwosu is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, Nwosu worked at Citizens Bank and Santander Bank, and has a background in real estate sales. Outside of advisory work, Nwosu serves as Financial Secretary for the Abia American Association, President of Nzuko Aro Okeigbo Massachusetts, and Treasurer on the board of the hi Beta Sigma Fraternity Inc. – New England State Board. 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 model portfolios across mutual funds, ETFs, and ETPs.

Richard Nardella is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His prior work history includes roles at Citizens Securities and Nardella Excavating. 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 deliver model portfolios and manage registered investment companies.

Ryan Macdonald is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at IDG Communications and Robert Half. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction, including use of model portfolios built from mutual funds, ETFs, and ETPs.

Sara Gendron is a Planning Consultant at Fidelity Investments, where she partners with clients to provide holistic financial planning. She focuses on understanding clients' needs to assist them in pursuing their financial goals and aims to create an environment where every client feels heard and valued throughout their conversations. Sara has been with Fidelity Investments since 2023, initially serving as a Workplace Planning Consultant before transitioning to her current role in 2025. She holds insurance licenses in Arkansas and California. Outside of her professional responsibilities, Sara's personal interests include family activities, fitness, gardening, running, swimming, and exploring food-related experiences.

Madhusudan Nair is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at UniBank, First Citizens Bank, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and First Republic Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Katie Lee Kallin is a financial advisor with Cetera, holding a Series 66 designation and bringing 18 years of industry experience. She has been with Cetera and its affiliates since 2013 and is also involved with Illuminative Inc. Beyond her advisory work, she creates content on TikTok and YouTube focused on personal weight loss, health, fitness, and motherhood topics. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, operating a multi-manager platform that supports a variety of program structures and investment strategies.

Eric Lepine is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked in the specialty coffee industry with roles at Fazenda Coffee, Medici Roasting, and Downeast Coffee. Fidelity’s Strategic Advisers LLC 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios comprised of mutual funds, ETFs, and ETPs.

Christina LaFortune serves as a Senior Financial Advisor at Merrill Lynch Wealth Management in Worcester, Massachusetts. She has been with the firm since 2011, providing financial guidance to a range of clients including executives, business owners, non-profit organizations, and families. She co-leads The Smith-LaFortune Group, focusing on personalized financial strategies that address investment management, retirement planning, insurance solutions, and banking services. Christina holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor of Science in Cellular and Molecular Biology from Westfield State College and a Master of Business Administration in Accounting from Fitchburg State University. She is a member of The National Association of Plan Advisors (NAPA) and supports the Worcester County Food Bank. Residing in Sturbridge, Massachusetts, Christina balances her professional career with personal interests such as boating, camping, cooking, gardening, hiking, pottery, traveling, yoga, and spending time with her family.

Bruce Munger Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1993 at the Westborough, Massachusetts office. In this role, he specializes in assisting clients with comprehensive wealth management strategies tailored to their individual financial goals. Bruce's areas of expertise include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, socially responsible and values-based investing, women and wealth, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Arts degree in Economics and Mathematics from Bowdoin College and a Master of Science degree in Accounting from Northeastern University. Bruce is involved in community activities, having served on the boards of various organizations such as The Joy of Music Program, The Boys and Girls Club of Worcester, The Skating Club of Boston, and the Bowdoin Alumni Club of Worcester. Outside of work, Bruce enjoys biking, golfing, skiing, tennis, traveling, and spending time with his family.

Michael Lemay is a financial advisor at LPL Financial in Worcester, MA, with 18 years of industry experience and a Series 66 designation. His prior roles include positions at Private Wealth Management Group, LLC, and Couture Wealth Management. 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 a range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Timothy Casey is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity, he worked at Total Quality Logistics, True Position Manufacturing, and Instacart. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and also serves as an advisor to multiple registered investment companies.

Jordan Kotob is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at DoorDash and the University of Massachusetts Amherst. 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 model portfolios across mutual funds, ETFs, and ETPs.

John Chammat is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Merrill and Johnson & Wales University. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a proprietary investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Grant Alix is a financial advisor at Fidelity with Series 63 and Series 66 licenses and two years of industry experience. He has been with Fidelity Investments since 2025 and also has experience with Fidelity Brokerage Services LLC. Prior to his financial career, he worked at The Home Depot and attended Bryant University. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.