Debra Rosenthal Ritter is a CFP® with 36 years of industry experience, currently serving at Retirement Management Systems. Her prior roles include positions at Geneos Wealth Management Inc, Capital Asset Advisory Services, LLC, WFG Investments, Inc., and RosRit Financial Group, LLC. Outside of advisory work, she is involved in home care services plan sales. Retirement Management Systems provides savings-plan management, discretionary portfolio management, financial planning, and plan-sponsor consulting for individual clients and retirement plans. The firm uses risk-based model portfolios developed with LSA Portfolio Analytics and serves a high number of clients with substantial assets under management.

Ricky Moore is a financial advisor at Arkadios Wealth Advisors with 31 years of industry experience. He holds a Series 63 designation and has worked at firms including SagePoint Financial and The Oak Financial Group, where he serves as president. Outside of his advisory role, Moore is a minister and pastor at Brazoria Church of Christ, involved in teaching, counseling, and church financial planning. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, third-party money managers, and financial planning. The firm employs an integrated operating model with an internal portfolio team offering discretionary management and a variety of investment strategies.

Michael Degan is a financial advisor at Encompass More Asset Management LLC with one year of industry experience. He holds a Series 65 designation and has worked previously with Appreciation Financial, Bluebell Construction, and Team Velocity Marketing. Outside of his advisory role, he is involved in insurance and annuity sales as a field sales associate. Encompass More Asset Management LLC serves individual and high-net-worth clients by providing discretionary portfolio management, financial planning, and access to private placements. The firm employs a model-based investment approach that integrates quantitative, qualitative, and fundamental analysis, and manages approximately $582 million for about 4,000 clients.

Jeremy Vernor is a financial advisor with Arkadios Wealth Advisors, holding a Series 66 credential and bringing 21 years of industry experience. He has worked at Arkadios Wealth Advisors since 2021 and previously worked at Sagepoint Financial and The Oak Financial Group. Vernor is a board member and finance committee chair of the Brazoria County Community Foundation. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans. The firm offers customized investment plans, portfolio reporting, and financial planning, supported by an internal portfolio team that delivers models, strategies, and trade execution across diverse asset classes.

Nicole Smith is a Series 66-licensed financial advisor with five years of industry experience. She is currently with Merit Financial Advisors and has previously worked at firms including Commonwealth Financial Network and OneAmerica Securities. Outside of financial advising, she serves as a board member for United Against Human Trafficking, where she advises on strategic planning and participates in organizational oversight. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base that includes individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach through customizable model portfolios and offers specialized services such as independent fiduciary and ESOP trustee work.

Patrick Beale is a financial advisor at Merit Financial Advisors with 20 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Purshe Kaplan Sterling Investments, Commonwealth Financial Network, Global Wealth Advisors, and LPL. Outside of his advisory work, he is co-owner of Pearland Elite Training Center, LLC, a teaching and coaching business operated by his wife. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, businesses, retirement plan sponsors, and institutions. The firm employs a long-term, diversified investment approach utilizing model portfolios and modular sleeves, overseen by a central Investment Management team and committee, while allowing advisors flexibility in portfolio management.

Andrew Couch is a financial advisor with Arkadios Wealth Advisors, possessing 49 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Arkadios Wealth Advisors since 2021. Prior to that, he was with SagePoint Financial and has been involved with The Oak Financial Group since 2011. Couch has served as past president of the Bellville Lions Club, a nonprofit service organization. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, wrap programs, access to third-party managers, and comprehensive financial planning. The firm employs a range of analytical approaches and supports its advisors with an internal portfolio team, operating an integrated model that includes affiliated broker-dealer services.

Shelby Moore is a financial advisor with Arkadios Wealth Advisors, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. Prior to joining Arkadios Wealth Advisors in 2021, Moore worked at SagePoint Financial and The Oak Financial Group. Outside of finance, Moore owns Wild Rose Ranch, a horse stable business operated by his daughter. Arkadios Wealth Advisors offers investment and wealth management services to individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, third-party money managers, and financial planning. The firm supports advisors with an internal portfolio team and employs a multi-strategy approach that includes fundamental, technical, and cyclical analysis.

James Rodgers is a financial advisor with Arkadios Wealth Advisors in Angleton, TX, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has previously worked at SagePoint Financial and The Oak Financial Group, which he still owns. Rodgers is also a Dave Ramsey-approved financial coach and teaches Financial Peace University classes. Arkadios Wealth Advisors provides investment and wealth management services to individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, third-party money managers, and financial planning. The firm employs fundamental, technical, and cyclical analysis and supports discretionary account management with an internal portfolio team that offers models and trade execution across multiple asset classes.

Jeffrey Fattig is a financial advisor at CWM, LLC with 20 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. His prior work includes roles at Cetera Advisor Networks LLC and LPL Financial. In addition to advisory services, he is involved in the sale of fixed insurance products, including life, disability, annuities, and long-term care insurance. CWM serves a broad range of clients including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, sub-advisory services, and variable insurance sub-account management, utilizing a combination of in-house models, third-party sub-advisors, and technology partners.

Richard Robie is a financial advisor with CWM, LLC, holding a Series 63 designation and over 40 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC and LPL Financial LLC. Outside of his advisory work, he serves as president of the Rotary E-Club of Houston and vice president of membership for the Brazosport Toastmasters Club. CWM serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, sub-advisory services, and variable insurance sub-account management, utilizing discretionary portfolio management through an Investment Committee and a combination of in-house models, third-party sub-advisors, and technology partners.

Juan Velazquez is a financial advisor at PNC Wealth Management with three years of industry experience. He holds a Series 66 designation and has previously worked at firms including Bank of America, Merrill, and VALIC Financial Advisors. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account currently available as an invitation-only pilot for PNC Bank employees. The firm's investment approach involves algorithm-driven model selection and portfolio implementation via mutual funds and ETFs, with oversight delegated to third parties.

Devin Knapp is a financial advisor with Edward Jones in Lake Jackson, TX, holding a Series 66 designation and eight years of industry experience. He previously worked at Weaver & Tidwell, LLP from 2016 to 2017. Outside of his advisory role, Knapp coaches group fitness classes at a CrossFit gym. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the country.

Jeremy Findley is a financial advisor with Edward Jones in Sweeny, TX, holding a Series 66 credential and seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in various roles including positions at Formosa Plastics Corporation and G4S Secure Solutions. Outside of his advisory work, he is involved in real estate owner financing in Port Lavaca, TX. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Christine Kiang is a financial advisor at Edward Jones with over one year of industry experience. Prior to joining Edward Jones in 2024, she worked at Texas Dow Employees Credit Union for 17 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 advisors and offers a range of advisory programs and investment solutions.

Kyle Mc Lachlan is a financial advisor with Ameriprise in Manvel, Texas, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2021, he worked at Surveying and Mapping, LLC and Texas A&M University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, written recommendation reports through a centralized consulting team.

Sonja Nelson is a Series 66 licensed financial advisor with Edward Jones in Lake Jackson, TX, where she has worked since 2016. She has seven years of experience in the industry and previously was self-employed in a homeschool instructional cooperative for eight years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Elizabeth Brooks is a financial advisor at Edward Jones with five years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2020. Outside of her advisory role, she teaches weekly yoga classes at the UTMB Wellness Center and the City of Angleton Recreation Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Richard Rimato is a financial advisor with OSAIC who holds the ChFC® designation and Series 63 and 65 licenses, with 38 years of industry experience. His prior work includes positions at Sagepoint Financial, Inc., Princor Financial Services Corporation, and Bankers Life Company, as well as operating Rimato Insurance and RIMATO & Associates. In addition to his advisory work, he sells outside group insurance through various carriers and prepares tax returns for family and friends. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of investment tools and programs, supporting thousands of advisors and managing significant assets across multiple platforms.

Jeffrey Shoemaker is a financial advisor with Edward Jones in Lake Jackson, TX, holding Series 63 and Series 66 licenses. He has 23 years of industry experience and has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.