Andre Small

Natalie Kassenyeva is the principal of Natalie M. Kassenyeva, an investment management firm based in Houston, TX. She holds the CFA® designation along with Series 63 and 65 licenses and has 20 years of industry experience, including roles at BW Energy, McDermott International, and BP NAGP. In addition to her advisory work, she teaches preparatory classes for the Chartered Financial Analyst exam at Rice University. Her firm provides investment consulting and financial planning services focused on mutual funds, pooled accounts, and third-party managers, serving individual retirement, trust, and estate accounts. The practice emphasizes manager selection and due diligence, with non-discretionary advice and quarterly account reviews.

After nearly a decade in corporate finance in the energy industry, living through its highs and lows. I saw unique pay structures, pension choices, equity awards, and retirement packages make planning decisions far more intricate than most people realize. Five years ago, I set out to become an expert in retirement planning. I apprenticed with seasoned advisors, earned the CERTIFIED FINANCIAL PLANNER® certification, and added advanced credentials in retirement and tax planning to master the strategies that matter most. At Refined Wealth, every process, service, and conversation is built around helping professionals step into retirement with clarity, confidence, and a plan as specialized as their careers.

William Zickler is a financial advisor with Coastal Wealth Management, LP in Houston, TX. He holds a Series 65 designation and has 22 years of industry experience, all with Coastal Wealth Management since 2004. Coastal Wealth Management, LP is an independent registered investment adviser providing discretionary portfolio management to individuals, trusts, pension and profit-sharing plans, charitable organizations, and private investment funds. The firm emphasizes capital preservation through personalized investment supervision tailored to each client’s risk tolerance, tax situation, and time horizon, with portfolio decisions informed by estate, tax, real estate, and insurance considerations.

Kurt Ours is a financial advisor at Virescent Financial LLC in Houston, TX, holding a Series 65 credential with over a decade of experience, including 11 years at Occidental Petroleum Corporation. He has been with Virescent Financial since 2025. Virescent Financial LLC provides investment management and financial planning services primarily to individual and high-net-worth clients, focusing on retirement, tax, estate, cash flow, and business planning. The firm uses a discretionary, asset allocation approach based on Modern Portfolio Theory and prefers passive investment vehicles such as index mutual funds and ETFs.

Andrew Nunnally is a financial advisor at Alpha-Tech Investments, LLC in Houston, TX, with five years of industry experience. He holds a Series 65 designation and has worked in roles at Arena Energy, Prescryptive Health, Marathon Oil, and DNC Technology. Outside of advising, he has worked as a sales analyst for Prescryptive Health, a digital health company focused on prescription intelligence platforms. Alpha-Tech Investments is a single-advisor independent firm providing discretionary asset management and portfolio supervision for individuals, corporations, and other entities. The firm employs a research-driven process combining fundamental analysis, technical methods, and modern portfolio theory, managing a diverse range of assets typically on a discretionary basis.

Terrance Elder is a CFP® professional with 22 years of industry experience, currently affiliated with Optivise Advisory Services LLC. He has worked at Texas First Wealth Management, LLC since 2007 and has been involved with Cash Flow Planners since 2002, where he serves as president and dedicates significant time to selling fixed annuities and life insurance. Optivise Advisory Services provides portfolio management and financial planning to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm employs both internally developed models and third-party sub-advisors, offering discretionary and non-discretionary solutions supported by advanced technology and reporting tools.