Brandon Schifferdecker is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior work includes nine years at TD Ameritrade before joining Charles Schwab and Charles Schwab Bank in 2021. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management options supported by multi-asset model portfolios and alternative investment due diligence.

Trevor Lucky is a financial advisor at Fidelity with six years of industry experience. He holds Series 66 and Series 63 licenses. His career includes roles at Fidelity Brokerage Services LLC and Fidelity Investments, along with previous experience at the University of Texas at Austin and Liberty Tax Service. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios across multiple platforms.

Robert Towns is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 designations. In addition to his advisory role, he is the CEO of The Towns Group, an advertising and marketing business operating remotely. 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 proprietary fundamental research with quantitative and algorithmic portfolio construction, delivering model portfolios and managing funds with oversight and systematic methodologies.

Jonathan Cummings is a financial advisor with LPL Financial in Hurst, Texas, holding Series 63, 65, and 66 credentials and 28 years of industry experience. His prior roles include positions at InvestaCorp, Securities America Advisors, Equitable Advisors, and Prudential Equity Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Daniel Cea Oliva is a financial advisor at Charles Schwab with Series 63 and 66 licenses and one year of industry experience. His prior work includes roles at Liberty Mutual and several positions outside the financial industry. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, using multi-asset model portfolios and alternative investments, supported by a centralized operational structure.

Alexander Tower is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. He previously worked for Secure Net Lease and Bluffview Properties LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional investors, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an adviser to multiple registered investment companies and fund-of-funds.

Juliana Akor is a Series 66-licensed financial advisor at Fidelity with five years of industry experience. She has worked at Fidelity Investments since 2020 and previously held positions at Jewish Family & Community Services Pittsburgh, Apex Life Sciences, and the Ohio State House of Representatives. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios that include mutual funds, ETFs, and ETPs.

Raphael Robert is a CFP®-credentialed financial advisor at Charles Schwab with seven years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2018 and previously held positions at Fidelity Investments, Crown Capital Management, Superior Seafood, and the University of San Francisco. 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 both non-discretionary and discretionary investment options, combining multi-asset model portfolios, alternative investment due diligence, and centralized operational support.

Michael Klasel is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Schwab in 2022, he held positions at Surespire, Ventura Foods, Ajilon Staffing, and Prima Title Group. Outside of his advisory role, he serves as the head judge for regional trading card game tournaments. 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 combines non-discretionary client advisory with access to discretionary separately managed accounts, using multi-asset model portfolios and a distinctive operational structure.

Daniel Hemenway is Vice President and Financial Consultant with Fidelity Investments' Private Client Group. In his role, he partners with families to evaluate complex decisions across a wide range of financial planning topics. He works to understand his clients' overall financial goals and objectives and presents various strategies and services to help pursue those objectives. Daniel joined Fidelity Investments in 2006, initially working in Workplace Planning and Advice. He was promoted to Senior Portfolio Specialist in 2010 and then to Vice President, Financial Consultant in 2014. He holds insurance licenses in Arkansas and California.

Zack Dowell is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2002 and currently partners with families to help build, preserve, and transfer their wealth. He focuses on challenging assumptions to assist clients in developing improved lifetime financial plans. Zack's experience at Fidelity includes roles as PAS Account Executive, Relationship Officer, Client Management Representative, Senior Retirement Investment Specialist, Retirement Investment Specialist, and Customer Service Associate. His tenure at the company spans over two decades, reflecting a broad range of expertise in financial consulting and client management. He holds insurance licenses in Arkansas and California.

Luke Endres is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and eight years of industry experience. He has been with Charles Schwab & Co. Inc. since 2017 and previously worked at Infant House and Divine Mercy Catholic Books & Gifts. 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 relationships with access to affiliated discretionary separate managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment onboarding process.

Rebecca Perry is a financial advisor at Fidelity with five years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Fidelity, she worked at TD Ameritrade and AIM Solutions Inc., and spent 20 years at AstraZeneca. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Timothy Schwarz is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior experience includes roles at Bank of America and several energy sector companies. He worked for Sulphur River Gathering for three years before entering the financial services field. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Landon Redding is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. He has been associated with various Fidelity entities since 2016 and also has a role at Tarrant County College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model strategies.

Madison Harris is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, Harris worked at ASI Gymnastics for eight years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and acts as an advisor to multiple registered investment companies and fund-of-funds.

John Schlotz is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Cetera entities since 2024, following earlier roles at Avantax and other firms. Outside of his advisory work, he serves as a power of attorney handling his father's financial and medical affairs. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to proprietary and third-party models and program options ranging from automated allocations to bespoke strategies.

Stephen Crook is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has nine years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2022 and previously held roles at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. between 2016 and 2024. 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 and discretionary investment guidance, supported by multi-asset model portfolios and a structured approach to alternative investments, leveraging its large scale and integrated operational platform.

Jack Thornton is a Financial Consultant at Fidelity Investments, where he specializes in holistic, comprehensive financial planning for higher net worth individuals and families. He focuses on understanding his clients and their families to provide tailored financial strategies that support their long-term goals. Prior to his current role, Jack worked as a Financial Advisor at Equitable Advisors from 2018 to 2023. He holds insurance licenses in Arkansas and California, enabling him to offer a range of insurance solutions as part of his financial planning services. Outside of his professional work, Jack's personal interests include board games, family activities, music, parenthood, reading, and soccer.

Ethan Smith is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His background includes roles at Fidelity Investments and the University of Arkansas. Prior to his financial career, he worked at In-N-Out Burger for three years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory. The firm’s investment process combines proprietary fundamental research with quantitative and algorithmic methods, offering model portfolios constructed from mutual funds, ETFs, and ETPs.