Krystle Atkins is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been working in wealth management since 2014 and joined Merrill as a Financial Advisor in 2019. Krystle serves affluent families across the United States, focusing on areas such as college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, sports and entertainment, tax minimization, and retirement income. Krystle holds both a Bachelor's and a Master's degree from The Ohio State University and holds the Personal Investment Advisor (PIA) designation. She develops customized financial strategies tailored to each client's risk parameters, timing, cash flow needs, values, and objectives. Her approach involves understanding the complexities of wealth and striving to be a trusted resource for building, managing, and preserving clients' wealth. Outside of her professional role, Krystle is active in community organizations such as Master Provisions, where she serves as a board member, and volunteers with St. Elizabeth Foundation. She is a wife, mother to twin daughters, a bonus mom to four boys, and a dog owner. She enjoys activities including golfing, interior decorating, music, reading, running, softball, traveling, watching movies, and writing.

Owen Workman is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity in 2025, he held roles at State Farm VP Management Corp and Allison Hornback Insurance Agency, among other positions in various sectors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm also engages in advisory activities for registered investment companies and uses algorithmic methodologies in its investment process.

Genevie Osborn is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has held prior roles at Waddell and Reed, Inc. and has been involved with multiple entities including biomedical sciences research and family business ventures. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by various institutional platforms.

Al Hamedi is a Financial Consultant I at Fidelity Investments, where he has been working since 2026. He assists individuals and families in managing significant financial transitions by providing comprehensive wealth services combined with a personalized approach to financial planning. Al holds insurance licenses in Arkansas and California. Outside of his professional work, Al engages in various outdoor activities such as biking, camping, skiing, and traveling.

Sarah Huelsman is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining Fidelity, she worked at LCA Vision and was involved with Incline Public House. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including management of model portfolios through systematic methodologies combining fundamental research and quantitative analysis. The firm is noted for its roles as a commodity pool operator and advisor to multiple registered investment companies, utilizing algorithmic methods and AI in its investment process.

Aaron Seyfried is a CFP® professional with 18 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has worked at several firms including Premier Partners Chapter of BNI and Northern Kentucky Educators Federal Credit Union. Seyfried has held various roles in advisory and investment-related business entities throughout his career. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Julianne Kelly is a financial advisor at Fidelity with 11 years of industry experience. She holds a Series 66 designation and has worked within various Fidelity divisions since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering portfolio management, fund advisory, and model portfolio delivery using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its regulatory registrations, use of AI in research, and formal advisory role to multiple registered investment companies.

Holly Henrich is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In this role, she partners with clients to understand their short- and long-term financial goals and helps build customized financial plans tailored to meet their unique needs. Holly has been with Fidelity Investments since 2021, progressing through various roles including Investment Solutions Representative I, II, and III, as well as Customer Relationship Advocate. She holds insurance licenses in Arkansas and California. Outside of her professional work, Holly has interests in music, outdoor adventures, and traveling.

Jim Larimore is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with various Fidelity entities since 2005. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Zachary Bailey is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at WesBanco Securities, Civista Bank, and The Huntington Investment Company. He is also involved with General Electric Credit Union in providing investment products and services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of advisors and extensive technology tools.

Samantha Weber is a financial advisor at Fidelity with Series 63 and Series 66 licenses and five years of industry experience. She has worked at Fidelity Investments since 2018 and has prior experience at LYFT, Monat Global, and Freddy's Frozen Custard and Steakburgers. Outside of her advisory role, she is involved in delivery services with Instacart. Fidelity’s 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 deliver diversified model portfolios.

Kenneth Clark is a CFP® professional with eight years of experience in the financial services industry. He is currently with Charles Schwab & Co., Inc. and has previously worked at Fidelity Brokerage Services LLC and U.S. Bancorp Investments, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Joseph Williams is a financial advisor with Fidelity Investments in Covington, KY, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he worked in various roles including logistics at FedEx Ground and operated a Labrador Retriever breeding business, On Point Labradors, for over a decade. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across diversified fund structures.

Raymond Erpenbeck is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, incorporating proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model investment solutions.

Brandon Webster is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at US Bank and self-employment before joining Fidelity. Outside of his advisory work, he is involved in social media advertising for Shoot Strayt, a trading card sales and content business. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a proprietary investment process that incorporates fundamental research, quantitative analysis, and algorithmic portfolio construction utilizing mutual funds, ETFs, and ETPs.

Jared Hachenski is a Planning Consultant at Fidelity Investments, a role he has held since 2026. He has been with Fidelity Investments since 2022, progressing through various positions including Investment Solutions Representative I, II, and III, and Customer Relationship Advocate. His career path reflects a growing specialization in financial planning within the same organization. Jared's approach to financial planning emphasizes clear communication, personalized guidance, and a comprehensive, long-term view of clients' financial situations. He focuses on identifying opportunities and potential risks, developing strategies tailored to clients' evolving goals, and providing ongoing support to help clients make informed financial decisions. He holds insurance licenses in Arkansas and California. Outside of work, Jared enjoys activities such as golf, spending time at the lake, scuba diving, snowboarding, and traveling.

Jonathan Kral is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His background includes roles at Fidelity Investments and entrepreneurial ventures such as His Image Services LLC and Created Construction. Outside of advisory work, he engages in online book publishing as an independent contractor, using AI software to outline, co-author, and self-publish digital books. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including multi-manager and fund-of-funds structures.

Alex Jordan is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at Fidelity Brokerage Services, LLC since 2015 and joined Fidelity Investments in 2025. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors and registered investment companies. The firm employs a research-driven investment process that combines fundamental analysis, quantitative methods, and algorithmic portfolio construction.

Andrew Baker is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with Fidelity Brokerage Services LLC since 2013 and joined Fidelity in Covington, KY in 2025. 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 systematic portfolio construction, utilizing model portfolios built from mutual funds, ETFs, and ETPs.

James Wilson is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various firms including Silver Oak Securities and Avantax Advisory Services. Outside of his advisory role, he is the managing member of a CPA firm providing accounting and tax services, and he is involved in efforts to pass a backyard chicken ordinance in Lakeside Park, KY on behalf of his family. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse investment program options, allowing advisors to implement various portfolio strategies under discretionary and non-discretionary authorities.