Zebulah Houston is a financial advisor at Fidelity with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with various Fidelity entities since 2004, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. 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 utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, often incorporating sub-advisers and employing systematic methodologies with long-term asset allocation benchmarks.

Ryan Hartman is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Advisors, where he worked for over a decade. Hartman is based in Westlake, Texas. 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 and offers multi-asset model portfolios along with a formal alternative-investment onboarding process.

Goh Iwata is a CFP®-credentialed financial advisor with seven years of industry experience, currently associated with Charles Schwab in Westlake, TX. His work history includes positions at Charles Schwab Bank SSB, Charles Schwab, Club Corp, and the University of Texas at Dallas. Charles Schwab 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research and alternative investment options.

James Adair is a financial advisor at Charles Schwab with seven years of industry experience. He holds the Series 66 and Series 63 designations and has worked at firms including TD Ameritrade and MassMutual. Charles Schwab 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, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment options.

Ashley Pedersen is a financial advisor with Cetera and holds a Series 66 designation, bringing 18 years of industry experience. She has held roles at Avantax Advisory Services, Independent Financial Group, and currently serves as Director of Client Development at Wealth Financial Partners. Outside of financial advising, she is an independent contractor with Color Street, a beauty product company, and maintains an active Texas real estate license, working as a real estate agent. She is also Vice President of Regenerative Solutions at Regen Bioscience, where she supports sales and education on regenerative medicine products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Jeovanni Bautista is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank, J.P. Morgan Securities, JPMorgan Chase Bank, and TD Ameritrade. Bautista is based in Westlake, TX. Charles Schwab serves a large client base of 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 and discretionary investment approaches, offering multi-asset model portfolios and alternative investment options through a centralized platform.

Michael Isabelle is a financial advisor at Charles Schwab with seven years of industry experience. He has held roles at Charles Schwab since 2018 and previously worked at Ben Franklin Tax Services and the University of Texas at Dallas. He holds Series 63 and Series 66 designations. 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 and employs multi-asset model portfolios supported by research from its Schwab Center for Financial Research.

Shu Ping Lin is a CFP®-certified financial advisor with five years of industry experience, currently affiliated with Charles Schwab in Westlake, TX. Prior to joining Charles Schwab in 2024, Lin worked at TD Ameritrade, Inc. from 2020 to 2024. Outside of financial services, Lin has experience with entrepreneurial ventures including work at WHW Transport, Inc. and Parking Monitor, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and extensive operational infrastructure.

Isaiah Pelayo is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2023, previously working at TD Ameritrade from 2021 to 2023. Outside of finance, he has been involved with Lucky Lou's since 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and due diligence on alternative investments.

Jarrod Lee is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He previously worked at TD Ameritrade, Inc. for seven years before joining Charles Schwab in 2023. 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 and offers multi-asset model portfolios supported by research from its Center for Financial Research.

Cara Caillouet is a financial advisor at Charles Schwab with 10 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and UBS Bank USA for eight years. She is currently based in Westlake, TX. Charles Schwab 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 offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios and access to alternative investments, supported by a large, integrated operational structure.

Brandon Rodriquez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Charles Schwab since 2014 and Charles Schwab Bank since 2016, both based in Westlake, TX. 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 provides a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Bryan Trimboli is a financial advisor at Cetera with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Cetera entities since 2024, following a long tenure at Avantax Advisory Services and Avantax Investment Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Hayden Baker is a financial advisor at Charles Schwab & Co., Inc. holding Series 65 and Series 63 licenses. He has worked in the financial services industry since 2024, with prior experience at Wells Fargo Clearing and Wells Fargo Bank, nA, and earlier roles across several retail and food service positions. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary and discretionary investment options and provides integrated advisory, brokerage, custody, and cash-sweep services.

Victoria Rosas is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has two years of industry experience. Her prior work includes roles at Bank of America and Farmers Insurance, as well as earlier experience outside finance. 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 affiliated discretionary separately managed accounts and offers a range of multi-asset investment strategies supported by centralized operations.

Nicholas Gaugler is a financial advisor at Charles Schwab with 18 years of industry experience. He previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2024. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he serves as a consultant for the University of North Texas, providing input on the development of a new Analytics Project Management certificate. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment advice and access to discretionary separately managed accounts managed by Charles Schwab Investment Management.

Eulalie Stokes is a financial advisor at Charles Schwab with 21 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside access to affiliated discretionary separately managed accounts, using multi-asset portfolios and a centralized operational platform.

Stephanie Giger is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has held various roles within Fidelity since 2012. Outside of her advisory work, she is also a registered massage therapist operating independently. She works with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients, including charitable gift funds and registered investment companies. The firm employs a systematic investment approach combining proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Amelia Winters is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. She has been employed at Charles Schwab in various capacities since 2022. Prior to her career in financial services, she spent several years in full-time education and held positions at American Threads and E. Leigh's. Charles Schwab 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 affiliated discretionary separate managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment resources.

Michael Parkin is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Fidelity and its affiliates since 2012, including a prior role at Chase Investment Services Corp. Parkin serves on the Investment Committee for the Pi Kappa Alpha Foundation and works as a certified expedition leader for Choice Humanitarian, leading service expeditions internationally. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients through a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.