Varkey K Abraham

Debra Hartsfield is the sole advisor at DPH Financial, an independent firm based in Pearland, TX. She holds the ChFC® and Series 63 designations and has 21 years of industry experience. She has been affiliated with DPH Financial LLC since 1998. DPH Financial serves individuals, professionals, small business owners, and charitable organizations, focusing on retirement-oriented financial planning and investment advisory services. The firm emphasizes passive investment management with attention to cost, asset allocation, and client goals, typically utilizing mutual funds, index funds, ETFs, and individual bonds.

Heriberto Chinea is a financial advisor at EightOne Capital LLC with four years of industry experience. He holds a Series 65 designation and also serves as CEO of iACT Holdings LLC, a company that invests in commercial and residential real estate. EightOne Capital LLC provides investment advisory and financial planning services to individuals, families, high-net-worth clients, corporations, and charitable organizations. The firm primarily employs passive, ETF-based model portfolios through the Charles Schwab Institutional Intelligent Portfolios platform, offering both discretionary and non-discretionary management along with business and financial consulting services.

Spencer Smith is a financial advisor at US Growth Partners, LLC with nine years of industry experience. He holds Series 66 and Series 65 licenses and has worked with several firms, including Tremont Street Advisors, LLC and Respire Wealth Management, LLC. Outside of advising, he serves as a business consultant to Northstar Industries in Houston, focusing on product development and growth strategies. US Growth Partners, LLC serves individual, fiduciary, pooled, and institutional clients with both discretionary and non-discretionary investment management and financial planning. The firm employs multiple analysis methods to tailor portfolios to client objectives and manages a substantial portion of assets on a non-discretionary basis, a practice uncommon in its category.

Angela Johnson is a CFP® professional with 21 years of experience in the financial services industry. She has worked at Worthen Financial Advisors, Inc. since 2021 and previously spent 16 years with Farmers Financial Solutions and Farmers Insurance Group. Outside of her advisory role, she serves as president of Eva Marie Enterprises, LP, a commercial real estate company, and leads EB Worthen Group, Inc., a management company for insurance-affiliated agencies and office buildings. Worthen Financial Advisors serves individuals, trusts, small businesses, and participant-directed retirement plans with investment management and financial planning services. The firm emphasizes passive, evidence-based asset-class allocations implemented primarily with low-cost mutual funds, ETFs, and third-party model portfolios, offering both discretionary and non-discretionary portfolio management.

Johnny Salinas Jr. is a financial advisor at Salinas Asset Management, LLC in Texas City, TX, with two years of industry experience. He holds a Series 65 designation and has worked previously at Equitable Advisors, LLC and the Texas State Securities Board. Outside of advisory services, he operates Financial Adviser Exam Tutors, LLC, where he provides tutoring during non-trading hours. Salinas Asset Management, LLC is an independent investment adviser serving individual and high-net-worth clients with a small portfolio base. The firm employs a diversified investment process that includes technical, fundamental, quantitative, and qualitative analysis, offering multiple model objectives and access to a range of higher-risk instruments and strategies.

Jesus Marquez is a CFP® with 10 years of industry experience and is the sole advisor at EZ Financial Group Inc. in Pearland, TX. He has been with EZ Financial Group since 2015 and also maintains a separate tax practice as an Enrolled Agent preparing and filing returns for individuals and businesses. EZ Financial Group provides ongoing asset management and modular financial planning for individuals, trusts, estates, corporate retirement plans, and small businesses. The firm typically manages both discretionary and non-discretionary accounts using a passive portfolio construction approach with index mutual funds and ETFs, complemented by fundamental, technical, cyclical, and charting analyses.