William Reed

Mathew Reed is a Series 65 licensed advisor at First Financial Coaching, Inc. in Harlingen, TX, with one year of industry experience. His prior roles include positions at Vincero, Champion Teamwear, and EcoPools. Outside of his advisory work, he is involved in a pizza sales and delivery business. First Financial Coaching, Inc. provides investment advisory services, retirement plan consulting, and financial education to individuals, families, business owners, and corporations. The firm offers primarily non-discretionary advice and financial analysis, emphasizing investment education and workshops alongside collaboration with a third-party asset manager for discretionary portfolio management.

Janet Harrington is a financial advisor with First Financial Coaching, Inc. in Harlingen, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with First Financial Coaching since 2010 and previously worked at Triad Advisors, Inc. Harrington is also an insurance agent specializing in life and long-term care insurance. First Financial Coaching, Inc. serves individuals, families, business owners, and corporations by providing investment advisory services, retirement plan consulting, and financial education. The firm offers non-discretionary investment advice and partners with a third-party asset manager for discretionary portfolio management, emphasizing investment education and financial analysis.

John Little IV is a financial advisor at Virtue Capital Management, LLC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Horter Investment Management and D.H. Hill Advisors. Outside of his advisory role, he owns and operates fixed insurance sales and management businesses in Texas and Tennessee. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets through about 90 advisors for over 4,000 clients. The firm offers discretionary portfolio management, financial planning, third-party manager selection, and retirement education, using quantitative models and an active, model-driven investment approach primarily involving mutual funds and ETFs.

Jose Martinez is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. His prior roles include positions at BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, BBVA Securities Inc., and Compass Bank. Outside of his advisory work, he is involved with JNV Gifts in a laborer capacity during non-trading hours. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and delegated portfolio management focused on mutual funds and ETFs.

Angelica Garrido is a financial advisor at PNC Wealth Management with 19 years of industry experience. She holds a Series 66 designation and has worked at several BBVA-affiliated firms from 2008 to 2021 before joining PNC in 2021. Outside of her advisory role, she owns rental properties. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategy platform for employees that uses algorithm-driven risk assessment and invests in mutual funds and ETFs with annual rebalancing.

Matt Heffernan is a financial advisor with Ameriprise in Harlingen, TX, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2004. Outside of his advisory role, Heffernan serves as the finance chair on the board of directors for United Way in Harlingen. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, delivering tailored, research-driven recommendations through a centralized consulting team. The firm combines advisory, brokerage, and insurance solutions and utilizes algorithmic tools alongside human oversight in its retirement income planning approach.