Maria Rizzo is an Investment Solutions Representative III at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Customer Relationship Advocate at Fidelity Investments from 2023 to 2024. In her professional capacity, Maria focuses on understanding clients' goals, values, and priorities to develop personalized financial and investment strategies tailored to individual needs. She is committed to providing clear education, trusted guidance, and fostering a collaborative experience that supports clients' financial well-being and peace of mind. Maria's approach centers on empowering clients to make informed financial decisions through access to knowledge and guidance. Outside of her professional work, she has interests in art, camping, family activities, kayaking, music, and reading.

Judith Mcdole is a financial advisor at Fidelity with eight years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Fidelity Investments since 2018. Prior to that, she held positions at Notre Dame Academy and Kenton County Schools. 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad investable universe.

William Taylor is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, he worked in various roles including at Tournament Bus Services during the FIFA World Cup Qatar 2022 and the FIFA Arab Cup Qatar 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios using a systematic approach and serves as an advisor to multiple registered investment companies and fund-of-funds.

Anthony Hamann is a Vice President and Financial Consultant at Fidelity Investments, where he has held various roles since 2015. He currently serves high-net-worth individuals, families, and business owners, focusing on wealth building, preservation, and transition. His expertise includes investment strategy, retirement planning, estate and legacy considerations, and tax-efficient investing. Anthony holds the CERTIFIED FINANCIAL PLANNER™ designation and possesses insurance licenses in Arkansas and California. His career at Fidelity Investments has included positions such as Financial Consultant, Relationship Manager, Fixed Income Specialist, Investment Solutions Representative, and Financial Representative. Outside of his professional work, Anthony enjoys family activities, golf, outdoor adventures, snowboarding, and volunteering.

Karen Aylor is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has 19 years of industry experience. She has worked with various Fidelity entities since 2008, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable and registered investment company clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of model portfolios.

William Sayre is a financial advisor at Fidelity with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Brokerage Services LLC since 2015. 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 employs a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Andrew Lobes is a Wealth Management Planning Consultant at Fidelity Investments. In this role, he partners with Wealth Management Advisors to address the unique financial services needs of families and aims to meet and exceed planning and service goals. Andrew has extensive experience in wealth management, having worked at Fidelity Investments since 2005 in various capacities including Wealth Management Service Specialist II, Private Client Group Representative, and Customer Service Representative. His work focuses on assisting clients and their families in growing and protecting their wealth, making sound investment decisions, and simplifying their financial lives. Outside of his professional duties, Andrew has interests in cooking and baking, fitness, gardening, golf, and painting.

Rodney Torbush is a Certified Financial Planner® with 11 years of industry experience, currently serving as an advisor at Edward Jones since 2014. He holds the Series 66 designation and is based in Ft Thomas, KY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary funds, operating under a fiduciary standard.

Zachary Fickett is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Navy Federal Credit Union for five years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its use of algorithmic portfolio construction, commodity pool operator registration, and advisory roles to multiple registered investment companies and fund-of-funds.

Tyler Bentle is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His work history includes roles at Fidelity Investments and Fifth Third Bank. Fidelity’s Strategic Advisers LLC, where Tyler works, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios built from mutual funds, ETFs, and ETPs.

David Osterbrock is a CFP® with 21 years of industry experience and currently serves as a financial advisor at LPL Financial. His prior roles include positions at US Bancorp Investments, Waddell & Reed, and various insurance carriers. He has also been involved with the Riverfront East Condo Owners Association and the Behringer Crawford Museum. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and multiple investment strategies.

Melissa Partin is a financial advisor with Merrill in Fort Mitchell, KY, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Nicholas Guzman is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at U.S. Bancorp Investments, Inc., U.S. Bank, BTFB Agency, and Jackson Hewitt. Outside of his advisory role, he operates a sole proprietorship providing rental services unrelated to real estate. 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 both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational structure.

Shawn Penrod is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior roles include positions at Digital Management LLC and Amazon. He also spent time at Xavier University early in his career. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, serving a diverse client base including registered investment companies and an IRS-qualified Charitable Gift Fund.

Patrick West is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to his current role, he has held various positions including community and educational roles, and he also officiates youth soccer games in the Greater Cincinnati area. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients, utilizing proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in their investment process.

Ryan Antepenko is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. He has held roles at Cambridge Investment Research Advisors since 2017 and previously worked at INVEST Financial Corp and The Rosselot Financial Group, where he was vice president. Cambridge Investment Research Advisors is a large SEC-registered adviser serving individuals, retirement plans, charitable organizations, and trusts through independent Financial Professionals. The firm offers financial planning, investment management, and retirement plan advisory services using a range of portfolio management and model-based solutions across multiple custody platforms.

Heather Tenney is a Planning Consultant at Fidelity Investments. She has held various roles within Fidelity since 2022, including Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate. Her current position involves helping clients understand the financial landscape through personalized planning tailored to their unique lives and values. In her professional capacity, Heather focuses on enabling clients to build financial confidence by providing the necessary tools and understanding. She emphasizes the importance of developing long-lasting relationships founded on trust and exceptional client service. Outside of her professional role, Heather's personal interests include camping, kayaking, photography, reading, traveling, and writing.

Jack Mchugh is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior work experience spans roles in financial services, insurance, and hospitality. He also spent time working at the University of Cincinnati College of Engineering and Applied Science. 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 employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in managing a range of model portfolios.

Andrew Byrne is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2019, progressing through various positions including Financial Consultant I, Investment Solutions Representative III, Investment Consultant, Fixed Income Specialist, and Investment Solutions Representative. His professional experience encompasses a broad range of investment and consulting roles within Fidelity. Andrew holds insurance licenses in Arkansas and California, supporting his work in financial consulting. He focuses on understanding clients' priorities and goals beyond retirement, working collaboratively to develop plans that align with their aspirations by utilizing Fidelity's technology and research. Outside of his professional work, Andrew has interests in baseball, beach activities, football, movies, soccer, and traveling.

Michael Bambach is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 1995, holding various roles including Financial Consultant, Income Planning Consultant, Investment Consultant, and Mutual Fund Service. With over 30 years of experience at Fidelity, Michael focuses on creating effective financial plans tailored to clients' goals, objectives, and risk tolerance. His expertise includes retirement planning, producing regular income, tax-efficient investing, asset preservation, investment strategies, and portfolio asset allocation reviews. Michael holds insurance licenses in Arkansas and California. Outside of work, he enjoys biking, fishing, hiking, kayaking, photography, and skiing.