Scott Oneal is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Lee Hosler Jr. is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at various Fidelity entities since 2000. Outside of his financial career, he was involved with Spunky Huester Designs from 2018 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and undertakes advisory roles to multiple registered investment companies.

Karlee Hale is a financial advisor at Fidelity with five years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at TIAA and TIAA Bank. Outside of finance, she has been involved with Sister STEM Co., a separate business venture. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves a diverse client base, including registered investment companies, and is noted for its use of systematic methodologies and formal advisory roles.

Richard Mays is a CFP® professional with 19 years of industry experience, currently advising at Charles Schwab in Westlake, TX. He has been with Charles Schwab and its affiliated entities since 2010, including roles at Charles Schwab Bank, SSB, and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base, mainly 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 separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jarrod Lux is a financial advisor at Fidelity with 16 years of industry experience and holds a Series 66 designation. He has worked with various Fidelity entities since 2011, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of proprietary fundamental research and quantitative methods, including algorithmic portfolio construction, and is registered with the CFTC as a commodity pool operator.

Andrew Cronk is a financial advisor with Charles Schwab in Fort Worth, TX, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab and its related entities since 2015 and previously at TD Ameritrade. He serves on the board of the Fort Worth Chamber of Commerce, contributing to business-related discussions in the local community. 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing systems.

Lautaro Millaman Teruel is a financial advisor at Charles Schwab with the Series 66 designation and two years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2020 and was previously employed by NuWater SAPI de CV from 2014 to 2020. Outside of his advisory role, he works as a rideshare driver and as a package delivery driver through Amazon Flex. 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 a multi-asset model portfolio approach and centralized operational infrastructure.

Claudia Kindred is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this capacity, she collaborates with clients and the wealth management team to develop comprehensive financial plans aimed at helping clients achieve their financial goals. Prior to her current position, Claudia served as a Workplace Planning Consultant at Fidelity Investments from 2021 to 2026. She holds an Arkansas Insurance License, enabling her to provide expertise in insurance-related financial planning. Beyond her professional endeavors, Claudia's personal interests include beach activities, fitness, parenthood, and traveling.

Jarret Sedlacek is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, and Compass Bank. Outside of his advisory work, he owns and operates Ducky's Trading, LLC, a business focused on the resale of trading cards. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Bryan Vaughn is a CFP® and holds a Series 66 license, with 20 years of experience in the financial services industry. He has worked at Robert Baird & Co. since 2026 and previously spent 20 years at Ameriprise Financial Services. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and custody and brokerage services, supported by internal research and portfolio strategies that incorporate tax management and direct indexing.

Austin Todd is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Charles Schwab, he worked at TD Ameritrade and Western & Southern Life. He has also been involved with Texas Tech University for five years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options along with integrated brokerage, custody, and financial planning services. Schwab is notable for its large scale, centralized operations, and a distinctive client relationship model that combines advisory recommendations with access to affiliated managed accounts.

Jason Dugan is a financial advisor with Fidelity Investments in Westlake, Texas, holding Series 66 and Series 63 designations and four years of industry experience. His background includes roles at Fidelity Investments, Oklahoma Locker Room, A&A Marketing, and the University of Oklahoma. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios built from mutual funds, ETFs, and ETPs and serves a diverse client base, including registered investment companies and an IRS-qualified Charitable Gift Fund.

Matthew Burton is a financial advisor with Charles Schwab who holds Series 63 and Series 66 designations and has 18 years of industry experience. He has worked at Charles Schwab since 2022, including time with Charles Schwab Bank, and previously spent 16 years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and order-routing arrangements.

Caroline Wells is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and four years of industry experience. Before joining Schwab in 2021, she worked at The Lockton Management, LLC, the Texas Rangers, Mercer Capital, and was affiliated with The University of Texas. 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 a large client base with an integrated model offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Anthony Naughton is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Paladini Financial Management and TD Ameritrade. His background also includes roles outside of finance at Python Restoration and O'Tool Industries. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a centralized operational structure.

Fares Gebremichael is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services LLC since 2019. Prior to his finance career, he held positions at the University of Texas at Arlington Central Library and in retail roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and managed funds.

Juan Suarez is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Charles Schwab, Suarez worked in various roles at companies including Klindata Solutions, Onetrust, and Alteryx. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside an alternative investments program.

Antoinette Jones is a financial advisor at Charles Schwab with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at TD Ameritrade Clearing Inc., TD Ameritrade, and TIAA-CREF. She is based in Westlake, TX. 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 advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by in-house research and due diligence.

Samuel Walker is a financial advisor with Charles Schwab, holding Series 66 and Series 63 credentials and one year of industry experience. His prior roles include positions at Charles Schwab Bank, Young America Realty, and Grand Canyon University. Charles Schwab & Co., Inc. serves a large client base that includes high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary advisory with access to discretionary separately managed accounts and alternative investments.

Ralston Billiot is a Financial Consultant currently working at Fidelity Investments. In this role, he partners with clients to develop comprehensive financial plans tailored to their goals and family needs. He focuses on creating plans that evolve over time to reflect clients' changing situations. Prior to his current position, Ralston served as a Planning Consultant and Investment Solutions Representative at Fidelity Investments from 2020 to 2026. Before joining Fidelity, he worked as a Financial Consultant at Redwood Financial between 2019 and 2020. He holds an insurance license in Arkansas (AR Insurance License). Outside of his professional work, Ralston has interests that include the beach, football, golf, museums, and parenthood.