Fred Malcolm is a Financial Consultant at Fidelity Investments. He focuses on understanding the unique needs of his clients, developing tailored financial plans, and maintaining integrity in his advisory role. Mr. Malcolm has extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2013, including Director and Team Leader for Investment Solutions III from 2020 to 2024, Team Leader in Client Services from 2014 to 2020, and High Net Worth Associate from 2013 to 2014. Prior to joining Fidelity, he worked as a Relationship Manager at TD Ameritrade, Sr Manager in Client Services at Charles Schwab, and an Investor Service Representative at Janus Capital Group. He holds insurance licenses in Arkansas and California.

Khankeo Campbell is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC for five years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alexandre Mccoy is a financial advisor at Fidelity with five years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Fidelity Investments since 2021 and has held various roles prior to joining the firm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory roles to multiple registered investment companies and its use of AI-driven methodologies.

Justin Joseffy is Vice President and Wealth Planner at Fidelity Investments, where he currently applies his expertise to assist clients in developing comprehensive financial plans. He has been with Fidelity since 2015, progressing through roles including Portfolio Specialist, Financial Consultant in Portfolio Advisory Services, and Financial Consultant before his current position. With 18 years of experience in financial services, Justin has worked in various capacities including financial advisor at Merrill Lynch and in investment guidance and sales at T. Rowe Price. He holds insurance licenses in Arkansas and California. Justin aims to build long-term relationships with clients and their families by leveraging Fidelity's investment resources to create financial plans that support clients' personal goals.

Michael Ballou is a financial advisor with LPL Financial in Greenwood Village, CO, holding a Series 66 designation and 20 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved with BancSource Mortgage Corporation, a mortgage and real estate services business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs and financial planning services supported by research and multiple portfolio management options.

Narciso Macia is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. He has worked at Fidelity Investments since 2022 and previously held positions at UnitedHealth Group, HomeAdvisor, HelloFresh, and Starbucks. Fidelity’s Strategic Advisers LLC provides 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 and offers discretionary and non-discretionary advisory services, including fund advisory and model portfolio delivery.

Andrea Benningfield is a Series 66-licensed financial advisor at Charles Schwab with six years of industry experience. She previously worked at Hilltop Securities Inc. for seven years before joining Charles Schwab in 2022. Outside of her advisory role, she is a founding partner of Beyond Booze Beverage Co., a retail business that sells non-alcoholic beverages and participates in related events. 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and has a distinctive operational structure integrating advisory, brokerage, custody, and cash management services.

Richard Meier is a financial advisor with Wells Fargo Clearing in Greenwood Village, CO. He holds a Series 66 designation and has 10 years of experience in the industry, all with Wells Fargo in various capacities since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Bryan Stewart is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 20 years of industry experience. He previously worked at TD AMERITRADE Inc. for 12 years before joining Charles Schwab in 2022. 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 mix of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Samuel Sernett is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 designation and has worked in various roles within Charles Schwab entities since 2020. Prior to joining Schwab, he had brief roles at Post Holdings, Inc. and Orinda Shell Auto Care. 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a large, integrated operational structure.

Kathryn Hoge is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and eight years of industry experience. She has previously worked at William Blair and Allstate Insurance Company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ian Lettow is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Fidelity Investments. His prior work includes roles at Hunter Douglas Window Fashions and Faith Christian Academy. Outside of advising, he sells items on Facebook Marketplace. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Jeffrey Oline is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He specializes in helping clients develop and implement strategies around their financial goals through planning, education, and a long-term investment approach. His mission is to provide objective and timely financial guidance. Jeffrey has over a decade of experience in the financial services industry, having held various roles including Premier Banker at Wells Fargo, Financial Advisor at Raymond James and Wells Fargo Advisors, Regional Private Banker at Wells Fargo, Internal Wholesaler at Transamerica Capital, Registered Sales Assistant at US Bancorp, Licensed Personal Banker at US Bank, and Financial Advisor at Edward Jones. He holds insurance licenses in Arkansas and California.

Daniel Oberkofler is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding the Series 63 and Series 66 licenses and having nine years of industry experience. His prior work includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, and Scottrade. 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 client relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by the Schwab Center for Financial Research.

Blake Jones is a financial advisor at Fidelity with Series 66 and Series 63 credentials and five years of industry experience. Prior to joining Fidelity, he worked at Comcast and has experience in cybersecurity and the restaurant industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and employs systematic methodologies including AI and long-term asset allocation benchmarks.

Samuel Grizzle is a financial advisor at OSAIC with 11 years of industry experience and holds a Series 66 designation. He previously worked at LPL Financial for 11 years and has been associated with GPS Wealth Strategies Group since 2017. In addition to his role at OSAIC, he provides investment advisory services through GPS Wealth Strategies Group, an independent registered investment advisor. OSAIC serves a diverse client base including individual investors, high-net-worth individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Alexis Herman is a financial advisor at Raymond James Financial with 13 years of industry experience. She holds the Series 66 designation and has previously worked at Crux Wealth Advisors and Presidential Brokerage, Inc. Herman is a member of Elevation Wealth Partners LLC, a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as institutional and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers a broad range of advisory programs and institutional consulting services.

Daniel Byrd is a Series 66 licensed financial advisor with seven years of industry experience, currently advising at Fidelity. His prior roles include positions at Equitable Advisors, AXA Advisors, and Any Weather Capital. He serves as a member of the University of Denver Daniels Alumni Advisory Board and participates on the finance committee of Mile High United Way. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its use of algorithmic portfolio construction and its advisory role to registered investment companies and fund-of-funds.

John Deloera is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked at Charles Schwab since 2010 and at Charles Schwab Bank since 2014. 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 with a multi-asset model portfolio approach and centralized operational infrastructure.

Purnima Poojary is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and beginning her advisor career in 2025. Prior to joining Wells Fargo Clearing, she held positions at Wells Fargo Bank, Walmart, Winnowpro, Netbiz Systems, and Smartstay.com. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions with research from Wells Fargo Investment Institute and third-party sources.