John Darrah IV is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 37 years of Wall Street experience. He began his career as a middle markets futures trader and has spent the past 28 years working with individual investors, institutions, and trusts. John holds the Certified Private Wealth Advisor (CPWA) designation and is a qualified Portfolio Manager, capable of managing personalized or defined investment strategies on a discretionary basis. John focuses on the life cycle of wealth, including accumulation, preservation, and distribution. He develops customized strategies for both the asset and liability sides of clients' balance sheets, leveraging custom lending capabilities through Bank of America and Merrill Private Wealth Management to support wealth creation. His services include tax minimization strategies and identification of appropriate investment avenues. John earned a Bachelor of Science degree in Finance with distinction from the University of Maine in 1989. He holds Series 7, 65, 63, and 3 FINRA registrations. He divides his time between New York City and Park City, Utah, where he resides with his wife.

William Garcia is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity affiliates since 2005. 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 uses a blend of proprietary fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, with oversight and evaluation aimed at managing conflicts of interest.

Kyle Hintz serves as Vice President, Financial Consultant at Fidelity Investments. In this role, he collaborates with clients to implement strategies aimed at achieving their financial goals. He works alongside his team to provide clients with the resources available through Fidelity, focusing on simplifying financial planning to allow clients to concentrate on their priorities. Kyle has held several positions within Fidelity Investments, including Financial Consultant, Investment Management Consultant, Investment Consultant, and Customer Relationship Advocate, progressing through these roles from 2019 to his current position in 2025. He holds insurance licenses in Arkansas and California. Outside of his professional responsibilities, Kyle's personal interests include baseball, family activities, fishing, fitness, golf, and snowboarding.

Samuel Ferreira is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Merrill and multiple divisions within Fidelity since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its roles as a registered commodity pool operator, advisor to various registered investment companies, and use of AI-driven research methods.

Seth Colby is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Prior to joining Fidelity, he worked at Primerica Financial Services and has experience in various roles including operating an e-commerce business selling household products. Fidelity’s Strategic Advisers LLC, where Seth is based, 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 model portfolios and deliver tailored investment solutions.

Brandon Lovell is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Salt Lake City, UT. Lovell’s career includes longstanding roles within Fidelity’s brokerage services and investment management divisions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create and manage model portfolios across various asset classes.

Carrie Lamprecht is a financial advisor at Wells Fargo Advisors with Series 63 designation and began her industry career in 2024. Prior to joining the firm, she was a homemaker for 18 years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business transitions, sports and entertainment, special needs, and divorce.

Jeffrey Holden is a financial advisor at Fidelity with a Series 63 designation and three years of industry experience. His prior work includes roles at PCS Retirement / Alliance Benefit Group and Robert Half International. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct algorithm-driven model portfolios and serves as an advisor to multiple registered investment companies.

Suzanne Pehringer is a financial advisor at Fidelity with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has worked primarily with Fidelity and its associated brokerage services since 1992, with a brief tenure at E*TRADE Financial Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an adviser to registered investment companies and constructs model portfolios delivered to intermediary platforms.

Jonathan Sgro is a financial advisor at Fidelity with Series 63 and Series 66 designations and 10 years of industry experience. He previously worked at T. Rowe Price for five years before joining Fidelity, where he has been employed since 2020. Strategic Advisers LLC, a Fidelity Investments company, provides 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 proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios from mutual funds, ETFs, and ETPs.

Benjamin Bradford is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 designations. His prior work experience includes roles at Strata Silver/Strata Health U.S. and several positions outside the financial industry. He works with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model solutions.

Tamara Radice is a CFP® professional with 23 years of industry experience. She has worked at Edward Jones from 2002 to 2025 before joining Ameriprise in 2025. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools to deliver tailored advice through its centralized retirement-income consulting team.

Kimball Potter is a financial advisor at J.P. Morgan Securities in Salt Lake City, UT, holding a Series 66 designation with six years of industry experience. His prior roles include positions at Fredrickson & Associates, Ameriprise, and First Community Bank of Layton. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kim Osieja is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2022. She supports Wealth Management Advisors and their clients by leveraging her comprehensive service background to provide personalized assistance. Kim has been with Fidelity Investments since 2007, progressing through various roles including Electronic Response Financial Representative, College Planning Specialist, and Central Relationship Manager. This extensive experience has given her insight into multiple facets of wealth management and client service.

Nathan Parker is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked across various Fidelity entities since 2007, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Lee Zeidner is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial goals and develop strategies aimed at achieving short-, mid-, and long-term objectives. His responsibilities include providing guidance on general investing, retirement planning, and saving for unexpected expenses. He also facilitates client access to specialists within Bank of America for services such as banking, credit, home financing, and small business solutions. Lee Zeidner holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Western Washington University. He emphasizes a collaborative approach, focusing on uncovering what matters to clients and their families to create tailored financial strategies. His professional philosophy centers on offering ongoing advice and guidance as clients' needs evolve.

Jason Peterson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at First Trust Portfolios L.P. for 16 years before joining Wells Fargo Advisors in 2020. Outside of his role at Wells Fargo, he has ownership interests in Genesys Wealth Management, LLC and Equity Growth Partners Ltd, LLC, and serves as a trustee for a related 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, supported by Wells Fargo research and planning tools.

Jessica Hymel is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She worked at UBS Financial Services for six years before joining Raymond James in 2021 and took a year as a homemaker during 2020–2021. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Marlene Jauregui Maldonado is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services since 2020. Prior to that, she was employed at Teleperformance from 2016 to 2019. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and maintains oversight of sub-advisers while addressing conflicts of interest through established governance procedures.

Richard Habel is a Series 66-licensed financial advisor with 11 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2021 and previously spent seven years at Sterling Financial. Outside of his advisory role, he serves as a board member of the Murray Education Foundation and owns several business ventures, including a retail operation called Millie's Suds, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals across wealth levels, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.