Warren Waters is a CFP® professional with 28 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held prior roles at firms including Cetera Advisors, SageView Advisory Group, and First Allied Advisory Services. Outside of his advisory work, he is involved in family coaching through Blended Kingdom Families Ministries in Colleyville, TX. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and third-party asset management, supported by extensive research resources and a broad network of over 22,800 advisors.

Taylor Brooks is a financial advisor at Merrill with eight years of industry experience, holding a Series 66 designation. He previously worked at Compass Pointe Financial before joining Merrill in 2018. Merrill, along 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 individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Kyle Eager is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Charles Schwab & Co., Inc., Morgan Stanley, UBS, Fidelity Investments, and The Vanguard Group, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Ramon Romero is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliated entities since 2000. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies, use of systematic methodologies, and incorporation of AI in its research processes.

Danella Timlin is a financial advisor at Fidelity with nine years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked with Personal Money Planning, LLC and Lacefield Compliance Consulting. Outside of finance, she serves as an independent contractor for the California Amateur Mixed Martial Arts Organization, handling timekeeping and judging at amateur MMA events. 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 manage discretionary and non-discretionary portfolios, including fund advisory and model portfolio delivery.

William Robinson is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and bringing seven years of industry experience. His background includes roles at Guardian Life Insurance and the Texas Veterinary Medical Diagnostic Lab in endocrinology prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, model portfolios, and a formal advisory role to multiple registered investment companies.

Patrick Kilgannon is a financial advisor at Ameriprise in Fort Worth, TX, holding a Series 66 designation with less than one year of industry experience. Prior to joining Ameriprise, he worked with Equitable Advisors LLC and served as an adjunct instructor for COR Expeditions. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joe Harris is a CFP®-certified financial advisor with Edward Jones in Ft. Worth, TX, with 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Ben Stewart Jr. is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. He serves as a board member of the Fort Worth Museum of Science and History, participating on its finance committee and overseeing community initiatives. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate ESG criteria in its investment recommendations.

Andrew Sherrill is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various parts of Fidelity since 2011. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including specialized advisory roles for registered investment companies and a Charitable Gift Fund. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across multiple asset classes.

Gabriela Tyler is a financial advisor at Fidelity with Series 66 and Series 63 credentials and six years of industry experience. Prior to joining Fidelity in 2020, she worked at Wells Fargo Bank NA and held various positions in the retail and service sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a process that combines fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Sara Song is a financial advisor with Wells Fargo Clearing in Fort Worth, TX, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Wells Fargo Bank and Key Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Ryan Carroll is an Investment Solutions Representative III at Fidelity Investments. In this role, he assists individuals in creating comprehensive financial plans that align with their unique goals, values, and life stages. His approach focuses on providing clarity and confidence to clients' financial decisions. Ryan has progressed through multiple roles at Fidelity Investments, beginning as a Customer Relationship Advocate in 2023, then advancing through three levels of Investment Solutions Representative from 2024 to the present. Prior to joining Fidelity, he worked as a Mortgage Loan Officer at Caliber Home Loans from 2020 to 2022 and at New American Funding from 2022 to 2023.

Benjamin Engstrand is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, he was involved with Engstrand Enterprises and PDL Blue. Outside of his advisory role, he is engaged in baseball umpiring and instruction through his sole proprietorship, Engstrand Enterprises, and serves as a partner and general manager of Official Training Partners LLC, a sport official education consultancy. 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 employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registered roles with the CFTC and advisory responsibilities for multiple registered investment companies.

Christian Johnson is a financial advisor with Fidelity in Westlake, TX, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with various Fidelity entities since 2015, most recently with Fidelity Investments since 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across multiple platforms.

Derrick Reaves is a financial advisor at J.P. Morgan Securities in Fort Worth, TX, holding Series 63 and Series 66 licenses with 16 years of industry experience. He has been with J.P. Morgan entities since 2009, including roles at J.P. Morgan Securities and J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative due diligence with forward-looking market assumptions to support its advisory process.

Zachary Swain is a financial advisor with Ameriprise in Fort Worth, TX, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside his advisory role, he is the owner and president of Swain Resources LLC, a consulting business unrelated to investments. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

John Farrell is a financial advisor with UBS Financial Services in Fort Worth, TX, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. He previously worked for J.P. Morgan Securities and JPMorgan Chase Bank NA from 2011 to 2021. He is involved with the Texas Parks and Wildlife Foundation’s Stewards of the Wild program, participating in community service events focused on conservation education and outreach. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Tony Brown is a Financial Consultant currently working at Fidelity Investments since 2023. He specializes in retirement planning, tax-efficient investing, and organizing clients' financial pictures alongside his Wealth Management team. Tony has extensive experience in financial services, having held several roles including Senior Financial Planning Manager at Ameriprise from 2020 to 2023, and multiple positions at TIAA from 2010 to 2020 such as Centralized Wealth Management Advisor and Client Relationship Consultant. Prior to that, he worked at Wells Fargo as a Personal Banker and Teller. He holds insurance licenses in Arkansas and California. Outside of his professional career, Tony enjoys baseball, football, running, singing, playing musical instruments, and spending time with his family.

Quentin Santo currently serves as an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2026. He has progressively advanced within the company, previously working as an Investment Solutions Representative II from 2025 to 2026, Investment Solutions Representative I from 2024 to 2025, and as a Customer Relationship Advocate from 2023 to 2024. In his role, Quentin partners with individuals and families to develop comprehensive retirement strategies tailored to their unique goals. He focuses on understanding clients' specific situations, challenges, and desires to provide clarity in making complex financial decisions across all stages of life. Quentin is dedicated to assisting clients and their families in creating a path toward financial well-being.