John Tiner is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., and Td Ameritrade. He is also a co-owner of an inactive business originally intended to grow and sell organic vegetables. 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 and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios, offering a multi-asset investment approach supported by research and centralized operational capabilities.

Matthew Mccarthy is a financial advisor with Fisher Investments, holding a Series 65 credential and four years of industry experience. Prior to joining Fisher Investments in 2021, he worked in various roles including positions at Ciccio Restaurant Group, Servpro, and The University of Tampa. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative analysis to construct globally diversified portfolios and manages a significant non-U.S. client base alongside extensive sub-advisory relationships.

Michael Foltmer is a financial advisor with Vanguard Advisers in Plano, TX, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior work includes roles at Fidelity, Waddell & Reed, Northwestern Mutual, and Avantax. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios largely composed of Vanguard funds and ETFs, with tax-aware features and a range of customization options.

Roberto Torres is a Planning Consultant at Fidelity Investments, a role he has held since 2025. In this position, he partners with clients and their families to develop customized financial plans tailored to their personal needs. He focuses on collaboration and building strong relationships to create strategies aligned with clients' financial goals. Roberto's experience at Fidelity Investments includes roles as an Investment Solutions Representative from 2022 to 2023 and as a Customer Relationship Advocate from 2019 to 2022. He holds insurance licenses in Arkansas and California. Outside of his professional work, Roberto's personal interests include cars, family activities, social events with friends, golf, horseback riding, and traveling.

David Kettlewell is a financial advisor with Morgan Stanley in Plano, TX, holding Series 63 and Series 66 licenses and 18 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2025, he worked at J.P. Morgan Securities for 10 years. Outside of his advisory roles, he was involved with the McKinney North Stars Hockey Association from 2015 to 2017. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Hector Ortiz Ramirez is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Charles Schwab, where he has worked since 2018, including a role at Charles Schwab Bank, SSB. Prior to Schwab, he was employed at Santander Consumer USA for five years. 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 and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Lars Strame is a financial advisor at Fisher Investments in Plano, TX, holding Series 63 and Series 65 credentials with 25 years of industry experience. He has worked at Fisher Investments since 2005 and previously spent four years at Wells Fargo Investments. Outside of his advisory role, he serves as an officer on the board of the Grateful Guitars foundation, which provides instruments to musicians. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s centralized investment approach combines quantitative and qualitative research to construct diversified portfolios and includes tax-aware strategies and risk management techniques.

Adam Klick is a financial advisor at Fisher Investments with 12 years of industry experience. He holds a Series 66 designation and has worked at Fisher Investments since 2018, following five years at Sii. Outside of his advisory role, Klick owns The Adventure Index, a business that posts videos on travel and outdoor recreation to encourage exploration. Fisher Investments serves institutional and private clients globally, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research and offers sub-advisory and retirement plan services.

Thomas Hoover Jr. is a financial advisor at Fisher Investments with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Synchrony, The Event Group, and engaged in entrepreneurial activities with Act Now Landscaping. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs centralized investment decisions through an Investment Policy Committee, uses tax-aware processes, and offers sub-advisory and retirement plan services.

Mark Delas is a financial advisor at Fisher Investments with a Series 65 designation and over five years of diverse industry experience, including roles outside of finance such as at North High Brewing Company. He joined Fisher Investments in 2026 after working at Kestra Investment Services and several other organizations. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach managed by a five-member Investment Policy Committee and offers a range of services including sub-advisory and retirement plan management.

Noah Eberhart is a financial advisor at Fisher Investments with a Series 66 designation and two years of industry experience. He previously worked at LPL Financial LLC and Hudson Valley Credit Union in various roles. Outside of advising, he has experience as a self-employed insurance agent and worked in franchise operations. Fisher Investments serves institutional and private clients globally, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process that integrates quantitative and qualitative research, with tax-aware and risk management strategies.

Jason Roh is a financial advisor with Mass Mutual Investors Services who holds a Series 66 designation and has two years of industry experience. He has been with MML Investors Services, LLC since 2024 and also has a background at MassMutual Life Insurance Company starting in 2023. Outside of his advisory role, he has been involved with Shogun In Greenville, Inc. since 2012. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as ongoing, collaborative relationships using firm-approved software to analyze client goals and deliver written recommendations.

Blake Cherrington is a financial advisor at Fisher Investments with a Series 65 designation. He joined the firm in 2024 and has prior experience in education roles at the University of Florida, Holy Innocents Episcopal School, and Flower Mound High School. Fisher Investments serves institutional and private clients worldwide, providing discretionary portfolio management across a range of asset classes. The firm employs a centralized investment approach combining quantitative and qualitative research to construct globally diversified portfolios, and it offers sub-advisory and retirement plan services.

Peter Campbell is a financial advisor with Fisher Investments in Plano, TX, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Fisher Investments since 2008. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process overseen by a committee, utilizing quantitative and qualitative research to construct diversified portfolios and incorporates tax-aware strategies and defensive tactics to manage risk.

Alexis Fothergill is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab, Alexis worked at Fidelity Investments and has a background that includes roles outside the financial industry, such as employment at Trader Joe’s. 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 and discretionary investment management alongside comprehensive brokerage and custodial services.

Emily Corona is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. She has been with Fidelity Investments since 2022 and has prior work experience in various roles outside the financial industry, including ownership of a coffee bar. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves both retail and institutional investors and is noted for its advisory roles with registered investment companies and use of systematic investment methodologies.

Brad Van Alstyne is a financial advisor with Fisher Investments in Plano, TX, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. His prior roles include positions at Tandem Diabetes Care, Medtronic Diabetes, and an extended tenure at USAA across various affiliated companies. Outside of his advisory work, he is a licensed real estate broker in Texas, operating a real estate business on a personal and family basis. Fisher Investments serves institutional and private clients globally, managing discretionary portfolios across equities, fixed income, and blended mandates. The firm employs a centralized investment approach combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory, retirement plan services, and manages both separate accounts and pooled investment vehicles.

Sacha Modica is a financial advisor at Fisher Investments with a Series 65 designation and one year of industry experience. Prior to joining Fisher Investments, Modica held roles at Zimmer Biomet, Treace Medical Concepts, Inc., and One Beat Medical. Outside of finance, Modica was involved with JC Fit Tennis Academy from 2021 to 2023. Fisher Investments serves a global client base that includes institutional and private investors, offering discretionary portfolio management across various asset classes. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and employs tax-aware strategies alongside risk management techniques.

Richard Marino is a financial advisor with Charles Schwab, holding Series 63 and Series 66 registrations and 14 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2013 and at Charles Schwab Bank since 2026. 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 financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Jennifer Parks is a financial advisor at J.P. Morgan Securities in Plano, TX, holding a Series 66 credential with 19 years of industry experience. Her prior experience includes roles at Neuberger Berman and Bank of America, as well as Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research and utilizes an ESG eligibility framework in its recommendations.