Bryan Sajjadi, a Capital Market Strategist at Fidelity Investments, shares how Fidelity’s privately owned structure and long-term orientation influence the way investment decisions are made. He outlines how the firm’s global research platform—spanning equities, fixed income, sectors, and quantitative analysis—is designed to challenge assumptions, share perspectives, and provide a fuller picture of risk and opportunity across market cycles. Rather than relying on a single style or viewpoint, Sajjadi emphasizes the value of combining multiple disciplines to navigate changing market environments.

Sajjadi also discusses how Fidelity blends fundamental research with quantitative tools and emerging technologies to support portfolio decisions and risk awareness. He points to collaboration across asset classes, access to private markets, and long-standing company relationships as inputs that inform—not dictate—investment outcomes. Looking ahead, he frames the market outlook in practical terms, highlighting the need for selectivity, diversification, and flexibility as economic conditions evolve and dispersion across assets increases.

Resources: Portfolio Construction | Fidelity Institutional

Disclosures:

Not FDIC Insured. May Lose Value. No Bank Guarantee.

Not NCUA or NCUSIF insured. May lose value. No credit union guarantee.

Unless otherwise expressly disclosed to you in writing, the information provided in this material is for educational purposes only.

Any viewpoints expressed by Fidelity are not intended to be used as a primary basis for your investment decisions and are based on facts and circumstances at the point in time they are made and are not particular to you.

Accordingly, nothing in this material constitutes impartial investment advice or advice in a fiduciary capacity, as defined or under the Employee Retirement Income Security Act of 1974 or the Internal Revenue Code of 1986, both as amended.

Fidelity and its representatives may have a conflict of interest in the products or services mentioned in this material because they have a financial interest in the products or services and may receive compensation, directly or indirectly, in connection with the management, distribution, and/or servicing of these products or services, including Fidelity funds, certain third-party funds and products, and certain investment services. Before making any investment decisions, you should take into account all of the particular facts and circumstances of your or your client’s individual situation and reach out to an investment professional, if applicable

Information provided is general in nature. It is not intended to be, and should not be construed as, legal or tax advice. Fidelity does not provide legal or tax advice.

Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the authors and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

Fidelity Investments is an independent company, unaffiliated with IRIS Media Works, LLC. There is no form of legal partnership, agency affiliation, or similar relationship between IRIS Media Works, LLC. and Fidelity Investments, nor is such a relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied by IRIS Media Works, LLC. and does not guarantee, or assume any responsibility for, its content.

Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Although the funds seek to beat the index, this is not guaranteed, and these funds may trail the index. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks.

In general, the bond market, especially foreign markets, are volatile, and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Fixed income securities carry interest rate risk [As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.]. Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.

Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which may be magnified in emerging markets.

Digital assets are speculative and highly volatile, and their market movements are very difficult to predict. Investors also face other risks, including significant and negative price swings, flash crashes, and fraud and cybersecurity risks. Digital assets may also be more susceptible to market manipulation than securities. They can become illiquid at any time and are for investors with a high-risk tolerance. Investors in digital assets could lose the entire value of their investment.

Investing involves risk, including risk of loss. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk.

© Morningstar, Inc. All rights reserved. The information contained herein: [1] is proprietary to Morningstar and/or its affiliates; [2] may not be copied or distributed; [3] is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Morningstar is a registered trademark of Morningstar, Inc., and is not affiliated with Fidelity Investments.

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Third-party trademarks and service marks are the property of their respective owners. All other trademarks and service marks are the property of FMR LLC or an affiliated company.

Before investing in any exchange traded fund, have your client consider its investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus, or a summary prospectus if available, containing this information. Have your client read it carefully.

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Ryan Frederick, founder of Here.life, explains why “place planning” is an increasingly important—but often overlooked—factor in long-term wellbeing and financial outcomes. He argues that where people live has a profound impact on health, relationships, purpose, and spending, yet these decisions are often made reactively or reduced to housing or financial decisions. By viewing place through four lenses—environment, health, community, and finances—Frederick shows how misalignment can quietly erode quality of life, while intentional planning can create clarity, especially as people navigate longer lives and major transitions.

Frederick also describes how structured place planning helps clients move past rigid “stay or move” thinking and consider multiple paths, including improving their current home, relocating, or incorporating extended travel. That broader view often surfaces hidden trade-offs and leads to more confident, durable decisions. For advisors, he notes that clients value having a framework to think through place before acting, strengthening trust and reinforcing the advisor’s role as a long-term partner in consequential life decisions.

To learn more about Here.life, join the Interest List: https://go.here.life/place-planning-for-orgs-interest-list

Power Your Advice podcasts are produced with support from Fidelity Investments. If you would like to learn more about Fidelity’s top performing mutual funds and ETFs for financial advisors visit i.fidelity.com/topfunds. The information and opinions expressed in this podcast are solely those of the speakers and do not reflect or represent Fidelity’s views, perspectives, or intellectual property.

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Rob Arnott, Founder and Chairman of Research Affiliates, breaks down what he sees in today’s markets—from bubble-like pricing in some AI leaders to the behavioral traps that push investors toward the latest market fads. He emphasizes that advisors can add real value by countering the pull of popular narratives before they shape decisions. Arnott also points to the distortions created by cap-weighted index flows and why value may already be quietly turning as disruptors face fresh competition.

Looking ahead, Arnott sees far better long-term opportunities outside U.S. large-cap growth, especially in international and emerging markets, where starting valuations are much more attractive. He notes that smarter index design can help avoid unintentional trend-chasing while staying broadly diversified. And while he expects more volatility—and a higher chance of a bear market than usual—he reminds advisors that market pullbacks don’t hit everything equally. Undervalued areas can still lead, making discipline and fundamentals essential.

Resources: Research Affiliates

Power Your Advice podcasts are produced with support from Fidelity Investments. If you would like to learn more about Fidelity’s top performing mutual funds and ETFs for financial advisors visit i.fidelity.com/topfunds. The information and opinions expressed in this podcast are solely those of the speakers and do not reflect or represent Fidelity’s views, perspectives, or intellectual property.

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Carly Brooks, Senior Vice President of Advanced Sales at Crump Life Insurance Services, outlines how the firm is elevating advanced planning from a technical resource into a true strategic partnership for financial professionals. She highlights Crump’s scale and depth of expertise, and how that support helps advisors guide clearer, more confident conversations around protection, retirement, and legacy planning.

Brooks also breaks down the forces reshaping today’s planning environment—from historically high estate tax exemptions and renewed client willingness to act, to the Great Wealth Transfer and rising fiscal pressures. She explains why life insurance continues to play a central role in liquidity and long-term stability, and how trust design, income-tax planning, and business owner strategies are evolving in response. Looking ahead to 2026, she encourages advisors to take advantage of today’s favorable conditions and emphasizes Crump’s ability to help them navigate these complex, high-impact planning decisions.

Resources: Crump

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Wes Crill, Senior Client Solutions Director and a Vice President at Dimensional Fund Advisors, joins Doug to break down the biggest myths around “volatility-proofing” portfolios. He explains that reducing volatility always comes with trade-offs — most often in expected return — and that many investors underestimate how much is already achievable with traditional tools like disciplined global diversification and mixing equities with fixed income. Crill also cautions that defined outcome ETFs, while popular, often replicate what standard asset-class combinations already do, but with higher costs.

He underscores the difference between systematic volatility (the compensated kind that comes from broad market exposure) and idiosyncratic volatility (uncompensated risk that diversification can eliminate). Crill notes that volatility itself is a healthy market function driven by changing information, and that long-term investors should focus less on daily movements and more on strategic positioning. The most resilient portfolios, he says, rely on broad diversification, cost-effectiveness, and rules-based discipline — not prediction or flavor-of-the-month volatility products.

Resources: Dimensional Fund Advisors

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Matt Kaufman, Global Head of ETFs at Calamos, returns with big news: CAIE has earned two major industry honors—the SRP Americas Most Innovative Product Award and Structured Product Intelligence’s Deal of the Year—rare recognition for an ETF in a category traditionally dominated by structured notes. Kaufman says the awards validate the core idea behind CAIE: bringing a complex autocallable note strategy into a simple, transparent, liquid ETF format that advisors already trust.

He introduces CAIQ as the natural next step—a NASDAQ-focused autocallable ETF built on the same laddered weekly issuance, volatility-targeted index design, and J.P. Morgan swap partnership that have powered CAIE’s success. The key enhancement is a tighter 30% downside barrier, allowing for a higher expected coupon while maintaining historical durability. Kaufman positions CAIQ as a complement to CAIE, mirroring how advisors pair NASDAQ and S&P exposures in traditional equity allocations. With CAIE now past $300M and demand accelerating, he expects more innovation ahead from Calamos in the autocallable ETF space.

Resources: Calamos

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We welcome back Samantha Russell, Chief Evangelist at FMG, to break down the marketing shifts defining 2025 and how advisors can carry them into 2026. Samantha says AI has transformed both how content is made and how it’s found—shifting SEO into AEO, or answer engine optimization. Firms that structure Q&A content with schema, gather reviews, and earn media mentions are the ones AI will recognize as credible sources. The result: fewer clicks, but better-qualified leads.

Samantha also stresses the need to humanize marketing as automation expands. Events, video, and genuine social engagement create connection where AI can’t. Repurposing content across channels and segmenting messages with the help of CRM tools make personalization easy at scale. Her advice for 2026: use AI to make marketing more personal, focus on the one platform where your audience lives, and put a real person forward as the face of your firm.

Download The AI Edge, FMG’s complete AI guide for financial advisors

Resources: FMG

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Kevin Flanagan, Head of Fixed Income Strategy at WisdomTree, joins us to discuss how advisors can navigate uncertainty as the Fed manages policy in a “flying blind” environment. He explains why Treasury Floating Rate Notes remain a cornerstone even in a rate-cut cycle, how defining the true neutral rate will shape future decisions, and why concerns around Fed leadership changes may be overblown.

Kevin also shares how WisdomTree’s yield-enhanced AGGY strategy and active-passive barbell approach can help advisors manage duration, balance risk, and capture yield opportunities without adding leverage. With a focus on discipline and flexibility, he outlines how advisors can position portfolios for the next phase of the Fed’s evolving policy path.

Resources: WisdomTree

Investors should carefully consider the investment objectives, risks, charges, and expenses of the Fund before investing. For a prospectus or, if available, the summary prospectus containing this and other important information about the fund, call 866.909.9473 or visit WisdomTree.com/Investments. Read the prospectus or, if available, the summary prospectus carefully before investing.

WisdomTree Floating Rate Treasury Fund (USFR)
There are risks associated with investing, including possible loss of principal. Securities with floating rates can be less sensitive to interest rate changes than securities with fixed interest rates, but may decline in value. Fixed income securities will normally decline in value as interest rates rise. The value of an investment in the Fund may change quickly and without warning in response to issuer or counterparty defaults and changes in the credit ratings of the Fund’s portfolio investments. Due to the investment strategy of this Fund it may make higher capital gain distributions than other ETFs. Please read the Fund’s prospectus for specific details regarding the Fund’s risk profile.

WisdomTree Yield Enhanced U.S. Aggregate Bond Fund (AGGY)
There are risks associated with investing, including possible loss of principal. Fixed income investments are subject to interest rate risk; their value will normally decline as interest rates rise. Fixed income investments are also subject to credit risk, the risk that the issuer of a bond will fail to pay interest and principal in a timely manner, or that negative perceptions of the issuer’s ability to make such payments will cause the price of that bond to decline. Investing in mortgage- and asset-backed securities involves interest rate, credit, valuation, extension and liquidity risks and the risk that payments on the underlying assets are delayed, prepaid, subordinated or defaulted on. Due to the investment strategy of the Fund, it may make higher capital gain distributions than other ETFs. Please read the Fund’s prospectus for specific details regarding the Fund’s risk profile.

Bloomberg U.S. Aggregate Bond Index (Agg): Represents the investment-grade, U.S. dollar-denominated, fixed-rate taxable bond market, including Treasuries, government-related and corporate securities, as well as mortgage and asset backed securities.

Kevin Flanagan is a Registered Representative of Foreside Fund Services, LLC.

WisdomTree Funds are distributed by Foreside Fund Services, LLC.

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Alex Khassa, Founder and CEO of Clients Blackbox, joins us to discuss how financial advisors can grow more efficiently by shifting from demand capture to demand generation. He explains why traditional tactics—like buying leads or relying solely on referrals—limit scalability, and how educational marketing funnels help advisors connect with prospects earlier in their decision journey.

Alex also shares how Clients Blackbox combines data science, intent targeting, and compliance-friendly creative to help RIAs attract qualified, affluent pre-retirees. He goes on to explore the future of performance branding—balancing short-term results with long-term trust—and how AI and Meta’s evolving algorithms are reshaping client acquisition in wealth management.

Resources: Clients Blackbox

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