Chuck Brown is vice president and manager of the High Net Worth Bond Desk at Fidelity Personal Investments (PI), a division of Fidelity Investments, a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing and other financial products and services to more than 20 million individuals, institutions and financial intermediaries. 
Mr. Brown joined Fidelity in 1993 as vice president and manager of Unit Investment Trust Trading and Sales for Fidelity Capital Markets (FCM). In September of 1998, he accepted a position as fixed income sales manager of the retail and intermediary sales channels. While still with FCM, Mr. Brown took on additional roles as manager of fixed income e-Commerce and Institutional Product Sales for Equity Trading. In early 2007, Mr. Brown helped design and launch Fidelity’s High Net Worth Bond Desk. 
Prior to Fidelity Investments, Mr. Brown traded taxable fixed income securities and UITs for regional broker dealer Crowell, Weedon & Co. in Los Angeles. 
Mr. Brown received his bachelor of science in economics from the University of California at Los Angeles. He currently holds his Series 7, 8 and 63 licenses. 

Kristin A. Moroz is a Regional Brokerage Consultant covering the West Region, where she educates clients on the fixed income markets, products and tools Fidelity has to offer. Prior to this, Kristin worked in variety of sales roles at Fidelity, Charles Schwab, First Western Trust and Morgan Stanley Wealth Management. She is a Certified Financial Planner™ and holds her Series 7, 9,10, 63, 66* and Life & Health Insurance licenses. She received her Bachelor’s degree from Vassar College and resides in Colorado with her husband and dog.

Thom Maciula is a member of Fidelity’s Regional Brokerage Consultant team, where he educates clients and prospects about Fidelity’s fixed income platform, with emphasis on strategies and the value proposition Fidelity offers. He has a background in commercial and investment banking with over forty-eight years in financial services. Prior to coming to Fidelity Thom served as Managing Director of Institutional Sales for Bank One, JP Morgan and finally, Wells Fargo Securities. His previous responsibilities were focused on serving the fixed income needs of middle market banks, insurance companies, municipalities and money managers.

Investing involves risk, including risk of loss.
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Michael Danaher is a co-portfolio manager of Fidelity Core Bond Strategy and Fidelity Intermediate Municipal Strategy and oversees the adherence of each strategy to its investment mandate and objective. As a portfolio manager on the personal bond management team in Fidelity's fixed income division, he is responsible for the portfolio construction, management, and risk oversight of fixed income separately managed retail accounts. 
  
Prior to assuming his current position, Mr. Danaher was a portfolio analyst responsible for the implementation and execution of the investment strategy for the fixed income separately managed accounts. He joined Fidelity in 2013 as a research associate covering state and local governments across the country. He has been in the financial industry since 2012. Mr. Danaher earned his bachelor of arts in economics, with a minor in public policy, from Dartmouth College. He is a CFA® charterholder.  

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Dr. Bernanke is a senior advisor to PIMCO and a Distinguished Fellow at the Brookings Institution. He contributes his views and insights on the economy to the firm’s investment process and engages periodically with clients. Prior to becoming an advisor to PIMCO in April 2015, he was Chair of the Board of Governors of the Federal Reserve from February 2006 through January 2014. He served as Chair of the President’s Council of Economic Advisers in 2005. Dr. Bernanke was a Professor of Economics at Princeton University from 1985 to 2002. He has published articles on a variety of economic and monetary issues and is the author of several scholarly books and two textbooks. He holds a Ph.D. in economics from MIT and a bachelor’s degree from Harvard University.

Dr. Bernanke is a senior advisor to PIMCO and a Distinguished Fellow at the Brookings Institution. He contributes his views and insights on the economy to the firm’s investment process and engages periodically with clients. Prior to becoming an advisor to PIMCO in April 2015, he was Chair of the Board of Governors of the Federal Reserve from February 2006 through January 2014. He served as Chair of the President’s Council of Economic Advisers in 2005. Dr. Bernanke was a Professor of Economics at Princeton University from 1985 to 2002. He has published articles on a variety of economic and monetary issues and is the author of several scholarly books and two textbooks. He holds a Ph.D. in economics from MIT and a bachelor’s degree from Harvard University.