John Lorica is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Fidelity in various roles since 2007. Outside of his advisory work, he is a silent partner and capital provider for a business process outsourcing company based in Texas. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable and registered investment entities. The firm employs a systematic investment process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction, and provides advisory services including discretionary management and model portfolio delivery.

Angel Ramirez is a financial advisor at Fidelity with Series 63 and Series 66 designations and two years of industry experience. Prior to joining Fidelity, he worked in logistics and marketing roles at Revit Logistics, Vantage Marketing, and PTC Air Freight. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing model portfolios, its registrations with the CFTC and NFA, and the use of advanced methods such as AI in its research processes.

Haley King is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with both Merrill and Bank of America since 2012 and 2015, respectively. Outside of her advisory role, she serves as a co-trustee for a family trust. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Feras Chowdhury is a financial advisor at Charles Schwab with nine years of industry experience. He has held positions at Charles Schwab since 2019, following prior roles at Innovate Fast and TD Ameritrade. Outside of his advisory work, he owns an LLC for personal real estate investments. 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 client relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investments supported by centralized custody and operational infrastructure.

Jack Sladek is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 licenses and previously worked as a professional golfer and at Double Diamond Resorts. He also spent several years in full-time education, including at East Texas Baptist University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a blend of non-discretionary and discretionary investment options supported by comprehensive research and centralized client service.

Grace Heid is a financial advisor at Fidelity with 8 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to her advisory role, she worked as a talent scout and independent contractor for the New York Film Academy, evaluating performances for admission and scholarship potential. 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 manage portfolios including mutual funds, ETFs, and ETPs.

James Nicol is a financial advisor at Fidelity with 25 years of industry experience. He holds a Series 66 designation and has worked with various Fidelity entities since 2001, including Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Nicol is also associated with Strategic Advisors Inc, where he has been active for over two decades. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Garrett Cypert is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2013, including five years at Charles Schwab Bank SSB. 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 advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational platform.

Christopher Eaton is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. Prior to joining Charles Schwab in 2018, he worked for FIDELITY Brokerage Services LLC for 13 years. 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 relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Chase Henderson is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with various Fidelity entities since 2012. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and provides oversight of sub-advisers while maintaining established governance procedures.

Mark Dunaway is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, he held roles in various companies including Readerlink Distribution Services LLC and The Home Depot. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment entities. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Peter McMahon is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity Investments since 2000, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Over this time, he has developed expertise in helping clients create customized financial plans tailored to their individual needs. Throughout his career at Fidelity, Peter has worked closely with clients to understand their financial goals and deliver appropriate investment and insurance solutions. He holds an insurance license in Arkansas, supporting his ability to provide comprehensive financial advice. Peter is committed to collaborating with clients and their families to develop financial strategies that align with their objectives.

George Gilham V is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has worked with Charles Schwab for a total of 35 years, with a two-year gap in between. 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 guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Sergio Oporto is a financial advisor with Ameriprise Financial Services LLC in Southlake, TX, holding Series 66 and Series 63 licenses and bringing 25 years of industry experience. He previously worked at Edward Jones for 11 years before joining Ameriprise in 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement-income planning through a written Recommendation Report and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Benjamin Meth is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2014. He specializes in partnering with families to develop and implement financial strategies aimed at building, preserving, and transferring wealth. Prior to his current role, he held positions including Portfolio Specialist at Fidelity Investments and Investment Consultant at TD Ameritrade, accumulating extensive experience in financial consulting since 2003. Benjamin holds insurance licenses in Arkansas and California. His professional background includes roles as a Consultant at Douglas Scott Securities and a Financial Representative at RBC Dain Rauscher. Outside of his professional career, Benjamin enjoys activities such as spending time at the beach and lake, cooking and baking, engaging in family activities, exploring culinary interests, and traveling.

Oscar Baum is a CFP® and Series 66-licensed advisor with five years of industry experience. He is currently with Charles Schwab, having worked there since 2020 in both Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. His prior roles include financial and academic positions at the University of Central Florida and a brief involvement with Pat's Liquor Leaf & Wine. Charles Schwab & Co., Inc. serves a large base of primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and research-driven investment advice.

Jennifer Gingrich is a financial advisor at Edward Jones with 18 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, as well as corporate clients and charitable organizations. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large network of advisors and branch offices nationwide.

Jeremy Ottens is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Outside of finance, he is the owner of Denton Coffee Collab, a coffee roastery where he manages operations, sales, and distribution. 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 develop model portfolios from mutual funds, ETFs, and ETPs.

Jordan Benavides is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Charles Schwab in 2019, he worked at Popp Hutcheson PLLC and American Bank of Commerce. Charles Schwab 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 relationships with access to affiliated discretionary SMA portfolios and offers a multi-asset investment approach supported by centralized operational and supervisory structures.

Joshua Kelsey is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles with Power Home Remodeling and service in the U.S. Army from 2020 to 2024. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies and its roles as a commodity pool operator and advisor to multiple registered investment companies.