Steve Hornsberger is an Investment Solutions Representative III at Fidelity Investments, where he has served since 2022. In his role, he collaborates with clients to develop comprehensive financial plans tailored to their unique situations and goals. He focuses on building long-term relationships to create adaptable strategies that adjust to changing circumstances and objectives. Steve has extensive experience in investment solutions, having previously held positions as an Investment Solutions Representative II and as a Fixed Income Specialist at Fidelity Investments from 2013 to 2022. He holds an Arkansas Insurance License, supporting his work in providing financial and insurance-related guidance. Outside of his professional responsibilities, Steve engages in activities such as baseball, family events, social gatherings with friends, hiking, outdoor adventures, and spending time with pets.

Timothy Powers is a financial advisor at Fidelity with Series 63 and Series 66 licenses and one year of industry experience. His prior roles include positions at the University of Cincinnati and Zavtek, as well as entrepreneurial experience with Grimeboss Detailing and Abby Girl Sweets. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Craig Rengering is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. His tenure includes roles at Fidelity Brokerage Services LLC since 2010 and Fidelity Personal and Workplace Advisors from 2018 to 2025. Outside of his advisory work, he officiates youth, high school, and NCAA college football games. He works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a systematic investment approach combining fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Madeline Grosse is a financial advisor at Morgan Stanley in Cincinnati, OH, holding a Series 66 designation with one year of industry experience. Before joining Morgan Stanley, she worked in various roles including at Taste Of Belgium and Amazon. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis.

Levi Berg is a Planning Consultant at Fidelity Investments, a position he has held since 2025. In this role, he collaborates closely with clients to understand their values and goals, using this insight to develop personalized financial plans tailored to their specific situations and concerns. Levi has gained comprehensive experience through various roles at Fidelity Investments since 2022, including Investment Solutions Representative I, II, and III, as well as Electronic Channel Specialist. He holds an Arkansas Insurance License, supporting his professional qualifications. Outside of his professional work, Levi enjoys baseball, board games, family activities, spending time at the lake, and reading.

Alexandra Christman is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Her prior work experience includes roles at Buffalo Wild Wings and Lowe's. She completed her education at Robert Morris University. 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 strategies for a range of clients including individuals and institutions.

Rachael House is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has worked within various Fidelity divisions since 2008. 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 integrates proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction into its investment process, and serves in advisory roles uncommon among large institutional peers.

Carol Rodgers Rivir is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and over 28 years of industry experience. Her prior work includes roles at AXA Advisors, Valic Financial Advisors, Chase Investment Services Corp., Banc One Securities Corporation, and Merrill. She is also an employee of Huff Realty, a non-investment related business. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm employs a range of advisory models and third-party managers, providing services that include mutual funds, ETFs, separately managed accounts, alternative investments, and ERISA fiduciary services.

Daniel Hect is a financial advisor with Primerica Advisors in Fort Wright, KY, holding Series 65 and Series 63 credentials and five years of industry experience. Prior to his current role, he worked with Primerica Financial Services and has a background that includes law enforcement and academic positions. Outside of advising, he is the author of a book titled *Impact of Martial Arts on Law Enforcement* and serves on the advisory board of Transcontinental University. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable accounts. The firm’s investment approach relies on model-delivery strategies developed by unaffiliated asset managers, supported by custodial and trading services through Pershing and BNY Mellon Advisors.

Michael Lewis is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 registrations and has worked with Fidelity Brokerage Services, LLC since 2013. 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 uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Maresa Tambling is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services, LLC since 2015 and Fidelity Investments since 2025. Strategic Advisers LLC, a Fidelity Investments company where she is based, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and employs systematic methodologies and long-term asset allocation benchmarks.

Joshua Gries is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at FedEx Ground and self-employment ventures before joining Fidelity. 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 blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies and fund-of-funds.

Jiaqian Zhou is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, Zhou worked in the mortgage finance sector at Churchill Mortgage Corp and NVR Mortgage Finance Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, delegated management, and involvement with multiple registered investment companies.

Dennis West is a Certified Financial Planner® with 32 years of industry experience. He has been with LPL Financial since 2010 and previously worked at Fidelity from 2003 to 2010. West is also a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives, offering a range of financial planning and investment management solutions.

Michael Mckay is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds the Series 66 credential and has been with UBS since 2005. Mckay is involved with the United Way of Greater Cincinnati’s Tocqueville Society, a charitable organization. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Matthew Sherlock is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked across several Fidelity entities since 1997. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and serves as an advisor to multiple registered investment companies and fund-of-funds.

Luke Basil is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, he held roles at Miami University and Hantz Financial. His background includes a variety of positions outside the industry, including work with HydroClean LLC and involvement with Saginaw County Parks & Recreation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research combined with quantitative analysis and algorithmic methods.

Jacob Mccoy is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Citibank and Abigail Street. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm’s investment process combines fundamental research with quantitative analysis and systematic portfolio construction, managing model portfolios using mutual funds, ETFs, and ETPs.

Tracy Sullivan is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2022, progressing through various positions including Financial Consultant I, Workplace Planning Consultant III, II, and I, as well as Workplace Planning Associate. Prior to joining Fidelity Investments, she worked as a Financial Services Specialist at Apprisen from 2015 to 2017. Her professional focus includes Investment Strategy, Retirement Planning, Income Protection, and facilitating Family Conversations to guide clients toward meaningful financial goals. She holds insurance licenses in Arkansas and California, supporting her work in income protection and financial planning. Tracy aims to connect with clients through a thoughtful, goal-oriented approach, emphasizing the development of long-lasting personal relationships while providing specific direction for their financial futures.

Blaine Craig is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. His work history includes roles outside the financial sector, including positions at Camfil USA and various service industry jobs, as well as academic involvement at the University of Cincinnati and Miami University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a diverse universe of mutual funds, ETFs, and ETPs.