Michael Morgan 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 Northwestern Mutual and Amazon.com Services, and he has involvement with Tidalwave Auto Spa. 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 manage diversified portfolios and model offerings.

Seth Hensley is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior work includes roles at TD Ameritrade and several service and logistics companies. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary advisory services and access to discretionary separately managed accounts with a focus on multi-asset model portfolios and integrated investment solutions.

Aaron Scheid is a financial advisor with Charles Schwab, holding Series 63 and Series 65 designations and 26 years of industry experience. He has previously worked at TD Ameritrade and Scottrade, with a combined eight years at those firms before joining Charles Schwab in 2018. He is based in Westlake, Texas. 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 advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios, with centralized supervisory and custody arrangements.

Samuel Bustamante is a financial advisor at Fidelity with five years of industry experience. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he is the owner and chief designer at Elevated Design & Naturescapes, a design consulting business based in Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of portfolios and serves as an advisor to registered investment companies with a focus on systematic methodologies and long-term asset allocation.

Mark Mccauley is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Fidelity Investments and its affiliates since 2007. Strategic Advisers LLC, a Fidelity Investments company, offers 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, while providing model portfolios through intermediary platforms.

Kari Riis is a financial advisor at Fidelity with three years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2023. Her prior experience includes a role at Mr. Cooper / Nationstar Mortgage LLC and six years at Campus Box Media. 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 combines proprietary research with quantitative analysis and systematic methodologies, and it has a formal advisory role to multiple registered investment companies and fund-of-funds.

Jeffrey Lambeth is a financial advisor with Charles Schwab in Westlake, TX, holding CFP®, Series 63, Series 65, and Series 66 designations and bringing 35 years of industry experience. He has worked at Charles Schwab since 2021 and previously held positions at JP Morgan Chase and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory program and affiliated managed accounts.

Abdoulie Saye is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and five years of industry experience. His work history includes roles at Fidelity Investments and TD Ameritrade, as well as prior employment at Nestle Waters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, oversight of sub-advisers, and advisory roles with multiple registered investment companies.

Brian Mccormick is a financial advisor at Fidelity with Series 63 and Series 66 credentials and five years of industry experience. His career includes over two decades at Citibank and several years with Fidelity Brokerages Services LLC before joining Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various asset classes.

Austin Cole is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at various roles within Charles Schwab entities since 2018 and had brief positions outside the financial sector, including at Amante Coffee and Suit Supply. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Matthew Bowles is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work experience includes roles at Legacy Housing, The Funky Door, Take 5 Oil Change, Uber, and Wildwood Grill. 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.

Steven Marshall is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked in various Fidelity divisions since 1996, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers 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 develop model portfolios across mutual funds, ETFs, and ETPs.

James Smith is a CFP®-designated financial advisor with Edward Jones in Denton, TX, bringing 42 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1991. His other business activities include receiving royalties from Marathon Oil and XTO in Haynesville, LA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and investment options, supported by a nationwide network of more than 23,000 financial advisors.

Lori Richards is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2018, progressing through various positions including Financial Associate, HSA Service & Planning, Fixed Income Specialist, Investment Solutions Representative II and III, and Financial Consultant 1. Her professional experience spans multiple areas of financial services, including fixed income, investment solutions, and health savings account planning. Lori holds insurance licenses in Arkansas and California. Outside of her professional work, Lori enjoys spending time at the beach, camping, and playing soccer. She is also a pet owner.

Christopher Jones is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. before returning to Charles Schwab. 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 combines non-discretionary advisory models with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Frank Reed is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and nine years of industry experience. His prior roles include positions at Fidelity Investments, Legacy Wealth Management, and managing STGB Restaurants for over a decade. 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 investment recommendations and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Forrest Brown is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018. Prior to Schwab, he was employed at LPL Financial and also has experience at Varsity Bookstore and Texas Tech University. 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. The firm’s integrated model includes advisory, brokerage, custody, and cash-sweep services delivered through multi-asset model portfolios and access to alternative investments.

Tyler Dixon 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 Northwestern Mutual and multiple positions at Southern Methodist University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including registered investment companies and charitable funds, and utilizes formal governance and proxy-voting procedures in its advisory activities.

Eliseo Armijo Jr. is a financial advisor with Fidelity Investments in Westlake, TX, holding Series 63 and Series 66 designations and two years of industry experience. His prior work history spans multiple roles in different sectors, including positions at Valet Living, Screen Tex, and McMahan's Flooring Inc. Fidelity's Strategic Advisers LLC, where he is employed, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Troy Frazier is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade for 16 years before joining Charles Schwab in 2022. 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 offers a combination of non-discretionary advisory services with access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.