Thomas Muir is a CFP® and PFS™ with 26 years of industry experience. He has been with Cultivar Capital, Inc. since 2011 and operates an independent CPA practice specializing in income tax preparation. Muir also serves as the mayor of Sanger, Texas, dedicating time weekly to that role. Cultivar Capital, Inc. is a fee-only registered investment adviser serving individual and high-net-worth clients, trusts, estates, charitable organizations, ERISA retirement plans, and a registered investment company. The firm’s investment approach combines fundamental and technical analysis with asset allocation across multiple risk profiles, including management of a registered ETF and specialized conflict-mitigation practices.

Jefferson Henderson is a financial advisor at Cultivar Capital, Inc. in Denton, TX, holding a Series 65 credential with 10 years of industry experience. He has been with Cultivar Capital since 2013. Cultivar Capital is a fee-only registered investment adviser serving individual and high-net-worth clients, trusts, estates, charitable organizations, ERISA retirement plans, and a registered investment company. The firm’s investment approach focuses on fundamental analysis and asset allocation across five risk profiles, utilizing no-load mutual funds, ETFs, ETNs, and selected individual securities, and it acts as the investment adviser to a registered ETF, a distinction uncommon among its peers.