Ethan Beaty is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab, BBVA Wealth Solutions, and multiple BBVA affiliates. His current role at Fidelity began in 2020. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including registered investment companies and charitable funds, and employs systematic methodologies along with AI-driven research tools.

Robert Ratcliff is a financial advisor at Stifel with 37 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co. Inc. since 2010. Outside of his advisory role, Ratcliff serves on the Board of Directors for the Cole Ranch Improvement District No. 1 in Denton County, Texas, and participates in drag racing. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, which incorporates forward-looking capital market assumptions and probabilistic modeling for asset allocation and financial planning analyses.

Jason Lytle is a financial advisor with Charles Schwab in Westlake, Texas, holding Series 63 and Series 65 licenses. He has 27 years of industry experience, including thirteen years at New York Life and its affiliated firms and brief tenures at Ameriprise and Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 provides multi-asset model portfolios alongside a formal alternative-investment platform.

Tyler Atchison is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he is an owner of Hamm Global LLC, a business unrelated to investment management. Charles Schwab & Co., Inc. 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 separately managed accounts and employs multi-asset model portfolios and alternative investment due diligence.

Lavanya Bellamkonda is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, she worked at Markem Imaje for five years and was involved with Arka Events and Rentals LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery, using a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction.

Ashley Gilday is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. since 2021 and has been with Merrill since 2019. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tristen Chambers is a financial advisor at Fidelity with a Series 66 credential and three years of industry experience. Prior to joining Fidelity, he worked at Thomson Reuters in tax and accounting roles and has experience in other industries including food service. Outside of his advisory work, he is employed part-time by DoorDash in food delivery. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Ian Mac Donald is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has previously worked at MezzCap Partners, LLC and DoorDash. Outside of his advisory work, he engages in purchasing and reselling collectible trading cards as a hobby. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm provides integrated investment, brokerage, and custody services with centralized operational support.

Christopher Evers is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Charles Schwab since 2019. His prior experience includes roles at TD Ameritrade and Scottrade. Outside of financial services, he is involved in agricultural activities, including managing a small cattle operation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through comprehensive wealth advisory and brokerage services, combining non-discretionary advice with access to discretionary separately managed accounts and a multi-asset investment approach.

Kathleen Harte is a financial advisor with Merrill in Southlake, TX, holding a Series 63 designation and bringing 35 years of industry experience. She has been with Merrill since 1997. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Garcia is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab in 2022, Ryan worked at TD Ameritrade and Re/Max Top Realty. Charles Schwab 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’s investment approach combines non-discretionary advisory guidance with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Robert Krebs is a financial advisor at Charles Schwab with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and affiliated entities since 2009. Outside of his advisory work, he is president and owner of Krebs Company, LLC, which produces natural beef jerky and model trains. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by multi-asset model portfolios and centralized operational infrastructure.

Victor Aguirre is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and 12 years of industry experience. He has worked with Charles Schwab since 2020 and previously spent six years at USAA in various financial planning and advisory roles. 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 advisory and discretionary separately managed accounts with a multi-asset model portfolio approach.

Landon Jones is a financial advisor at Fidelity with Series 63 and Series 66 registrations and three years of industry experience. He previously worked at Tract Learning, UpTrade Technologies, DoorDash, the University of Texas at Dallas, and Dietz and Watson. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Cade Lubojasky is a financial advisor at Fidelity with 2 years of industry experience. He holds Series 66 and Series 63 designations. His prior work history includes roles at Northwestern Mutual and various non-financial positions. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on a range of investment products and model portfolios.

Akshay Rao is a Planning Consultant at Fidelity Investments, where he has been working since 2025. He has held multiple roles within Fidelity, including Director, Retirement Planner from 2023 to 2025, Retirement Planner from 2022 to 2023, Retirement Brokerage Services Trader from 2021 to 2022, and Financial Associate - Defined Contribution in 2021. Prior to joining Fidelity, he worked as a Client Services Associate at Fisher Investments from 2018 to 2020. In his current role, Akshay focuses on co-creating, implementing, and monitoring tailored financial plans that address both short-term and long-term goals. He is committed to improving financial education through individual client interactions. Akshay holds insurance licenses in Arkansas and California. Outside of his professional work, Akshay has interests in comedy, fitness, food, movies, pets, and soccer.

Alan Veloz is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab in 2023, he worked at TD Ameritrade from 2021 to 2023 and served in the United States Marine Corps from 2016 to 2018. Charles Schwab & Co., Inc. 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 a combination of non-discretionary and discretionary investment solutions, leveraging multi-asset model portfolios and a formal alternative-investment onboarding process.

Keandrique Payne is a Financial Consultant at Fidelity Investments, where he works with clients to develop comprehensive financial plans tailored to their long-term goals and wealth management needs. He emphasizes building long-term relationships and strives to provide a client experience that respects each individual's unique circumstances and priorities. His role involves guiding clients through important financial decisions to support their overall financial well-being. Keandrique has held multiple positions within Fidelity Investments since 2020, including Financial Representative, Relationship Manager, Central Relationship Manager, and currently Financial Consultant. He holds insurance licenses in Arkansas and California, which support his ability to serve clients across different regions. Outside of his professional work, Keandrique's personal interests include golf, reading, and tennis.

Thanh Nguyen is a financial advisor with Fidelity Investments, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Fidelity, he worked in healthcare and education-related roles for several years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction methods, and serves as an adviser to multiple registered investment companies.

Alyssa Krol is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. She has worked in various roles within Fidelity Investments since 2022 and has prior experience in education and learning centers. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.