Danielle Edwards is a Financial Consultant currently working at Fidelity Investments since 2022. She has been advising clients for over 16 years, with experience spanning both full-service planning and discount brokerage environments. Danielle focuses on supporting clients with financial planning, investment strategy, cash flow generation, wealth accumulation, protection strategies, and tax-efficient investing. Her professional experience includes roles as a Financial Consultant at E*TRADE from Morgan Stanley from 2017 to 2022, a Financial Advisor at Cambridge Financial Services from 2014 to 2017, and a Financial Advisor at Waddell & Reed from 2010 to 2014. Danielle holds a California Insurance License. Outside of her professional work, she has interests in boating, football, music, outdoor adventures, photography, and traveling.

Collin Duffy is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2022 and 2023, respectively. Outside of finance, he has held various roles in the hospitality and marina sectors. Charles Schwab serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary strategies, providing clients with multi-asset portfolios and alternative investment options.

Joseph Borg is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He previously worked at Goldman Sachs for three years and has been with Wells Fargo Bank since 2018. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research from its Wells Fargo Investment Institute with third-party analytics to support its investment decisions.

Seth Gardner is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at WEX Inc and Uber Technologies. Outside of advisory work, he is involved in several entrepreneurial and delivery-related activities, including managing a small crypto mining business and serving as a live auctioneer for an online platform. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Nathanael Thacher is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments since 2011. 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 algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs, and serves in advisory and fund management roles with established governance procedures.

Nathan Embrey is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, his work history spans various roles in insurance, technology, and service industries. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

John Paulus is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at North Star Resource Group, Securian Financial Services, CRI Securities, and Minnesota Life Insurance Company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services that include investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Sarah Knox is a financial advisor at Raymond James & Associates with 17 years of industry experience. She holds Series 63 and Series 65 designations. Her prior experience includes nine years at Wells Fargo Clearing and two years at WELLS FARGO Advisors, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and municipal entities. The firm offers financial planning and consulting through a variety of portfolio management styles and provides municipal advisory services alongside its broad range of affiliated research and investment options.

Michael Peirce is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds a Series 66 designation and has been with UBS since 2014. Outside of his advisory role, he is the proprietor of Eednar LLC, a private business. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets solutions.

Connor Patterson is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work history includes roles at Coordinated Insurance, FBl Marketing Services, Fbl Financial Group, and Glacier Hospitality LLC, among others. He is also a co-founder and partner of Pulse Home Technology, where he leads networking efforts. 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 employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jacob Wamsley is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His background includes roles at Fidelity Investments and Northwestern Mutual, as well as work with Strata Fund Solutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, model portfolios, and its regulatory registrations that support a diverse range of advisory activities.

J Anderson is a Certified Financial Planner® with 39 years of industry experience. He has worked at OSAIC since 2025 and spent nearly four decades at Lincoln Financial Advisors Corporation. Anderson co-authored the book *Mastering Your Financial Success*. OSAIC Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and uses various tools and third-party platforms to construct and manage portfolios tailored to clients' needs.

Vedran Josipovic is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 credential and has worked previously at Uber and Wells Fargo Advisors. Outside of finance, he has experience managing businesses in the service and food sectors, including Wasatch Deli Provisions and Fabulous Freddy's Carwash. 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 uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios featuring mutual funds, ETFs, and ETPs.

Elizabeth Harrison is a financial advisor at Fidelity with Series 63 and Series 66 designations and four years of industry experience. Her background includes roles at Fidelity Investments and the Church of Jesus Christ of Latter-day Saints. Outside of finance, she has been involved with the American Expression of Dance for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Matthew Hale is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Northwestern Mutual, foreUP Golf Software, Bridgecrest, National Bank of Arizona, and Sunergy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios across various asset classes.

Jeromy Wood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and having 19 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Securities America, Inc., and has also been involved with Futurity First Insurance Group since 2017. Outside of financial advising, he assists with Glamour Gowns, a retail clothing store specializing in formal wear. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports various portfolio management options, including discretionary and non-discretionary accounts.

Allen Mcneal is a Series 66-licensed financial advisor with UBS Financial Services in Salt Lake City, UT, where he has worked since 2008. He has 17 years of industry experience. 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 provides a broad range of capital markets and research resources to its clients.

Cory Fillmore is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 15 years of industry experience. He has been with Fidelity Investments since 2011. Outside of his advisory work, he is involved in photography, providing family portraits for friends on a cost basis. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a research-driven, quantitative approach to portfolio construction and is noted for its advisory role to multiple funds and use of algorithmic methodologies.

Austin Gardiner is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 65 designations and four years of industry experience. Prior to joining Wells Fargo Clearing in 2022, he worked at Hewlett-Packard from 2007 to 2020 and held roles at Xerox and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Stephanie Torosian is a financial advisor with Wells Fargo Clearing in Salt Lake City, UT, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. Her prior roles include positions at Douglas C. Lane & Associates and Bruderman Asset Management, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and offers both brokerage and advisory solutions across a range of financial products.