Binod Joshi is a financial advisor at Fidelity with nine years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including JPMorgan Securities LLC and Citizens Bank, N.A. He was also involved with Instructional Connections, LLC from 2020 to 2022. 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 employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of portfolios, including fund-of-funds and model portfolios delivered to intermediary platforms.

Brianna Sansom is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. She has held positions at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022. Prior to her financial services career, she worked in retail and education sectors, including roles at Altar'd State and Salata. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a structured alternative investments program.

Na Lian is a financial advisor with Charles Schwab in Westlake, Texas, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Charles Schwab in 2022, Na worked at Heng Feng Tai Shi Capital Management Co., Ltd. from 2014 to 2017. 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 multi-asset model portfolios and a centralized operational structure.

Christopher Chakkalapadavil is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 licenses. He has 12 years of industry experience and has worked at several firms including Cetera Investment Services, Citizens Securities, Truist Advisory Services, and SunTrust Investment Services. Outside of his advisory role, he works as a delivery driver for DoorDash and as a driver for Uber and Lyft. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a range of wrap fee advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and access to alternative investments through a centralized and integrated operational structure.

Glenn Durr is a financial advisor with Charles Schwab in Westlake, TX, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2007. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized custody and operational services.

David Pool is a financial advisor with Fidelity Investments, holding a Series 66 designation and five years of industry experience. Prior to joining Fidelity, he worked in various roles including at Edward Jones and as an independent contractor providing football analytics for Pro Football Focus. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to both retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios that include mutual funds, ETFs, and ETPs.

Stacy Kile is a financial advisor at Fidelity with six years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for five years before joining Fidelity. Fidelity’s Strategic Advisers LLC offers 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Nicholas Hodgson is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and four years of industry experience. He previously worked at North Texas Orthopedics and North Tarrant Family Practice before joining Charles Schwab. Charles Schwab serves a large client base of 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Quinton Edwards is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade and MRC Global. Edwards 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 offers both non-discretionary and discretionary investment options, using multi-asset model portfolios and research from the Schwab Center for Financial Research.

Brent Shields is a CFP®-certified financial advisor with 18 years of industry experience, currently with Charles Schwab. He has previously worked at Fidelity Investments and TD Ameritrade. 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, offering a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Steven Sarosy is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been associated with various Cetera entities since 2024 and previously spent seven years with Avantax Insurance Agency. Outside of his advisory work, he serves as a recreation specialist for the City of Irving and is involved on the board of the Future Leaders of Irving, focusing on educational programs. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Josephine Elliott is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Schwab, she held various positions outside finance, including roles in fitness and education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to affiliated discretionary separately managed accounts within an integrated brokerage and advisory platform.

David Goldmeyer is a financial advisor at Edward Jones in Lewisville, TX, holding a Series 66 designation with four years of industry experience. Before joining Edward Jones in 2022, he worked at RGH Enterprises, Inc. Cardinal Health, Inc. from 2020 to 2021, and at Nestle Health Science from 2007 to 2020. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Matthew Ullrich is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2022, following an eight-year tenure at TD Ameritrade. Prior to his financial services career, he worked at AMC Theatres for one year. Charles Schwab serves a large client base, 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, combining multi-asset model portfolios with centralized custody and operational support.

Jeffrey Swearingen is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 22 years of industry experience. His work history includes previous roles at Cetera Advisors LLC, Cambridge Investment Research Advisors, and Edward Jones. Outside of his advisory work, he is involved as a business owner in a non-investment related venture called Delivering Liberty. 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 financial planning, asset management, and retirement advice solutions, supported by technology tools and a broad platform that includes advisory and non-advisory financial services.

Jamie Ford is a financial advisor at Morgan Stanley in Southlake, TX, holding a Series 66 designation with 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020, and previously at Bank of America and Merrill. Outside of advisory work, Ford is president of Idaho Contractors, a company involved in real estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm’s approach includes structured planning conversations and the use of firm-approved tools to model financial outcomes, managing approximately $2.74 trillion in client assets.

Frederick Ghorbani is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, LLC and TD Ameritrade, Inc. since 2016. 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 a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and a centralized operational structure.

Tanner Annis is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at H2E Incorporated and Huther & Associates. Fidelity’s Strategic Advisers LLC specializes in investment management and advisory services for retail and institutional clients, utilizing a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Harold Duncan is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2020. Prior to that, he was employed at USAA Investment Management Company and USAA Financial Planning Services. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary SMA portfolios and offers multi-asset strategic asset allocation supported by research and alternative investment due diligence.

Spencer Perley is a financial advisor with Fidelity Investments in Westlake, TX, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Fidelity, he worked in various roles across the airline and hospitality sectors, including American Airlines and Hard Rock Casino. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.