Vania Magallanes is a financial advisor at KWS Advisory Group, LLC with four years of industry experience. She holds a Series 65 designation and has worked at KWS Financial Group since 2020. Outside of her advisory role, she is the CEO of Millennial Rentals, LLC, where she manages contracting service providers for an investment property. KWS Advisory Group is an independent registered investment adviser that provides discretionary asset management and financial planning to individuals, trusts, estates, and business entities. The firm tailors portfolios to client goals and risk tolerance using a combination of fundamental, technical, charting, and cyclical analysis.

Claudette Soto is a financial advisor at Cresta Advisors with a Series 65 designation and two years of industry experience. Prior to joining Cresta Advisors, she worked at Commerce Bank and has held positions in various other industries including education and hospitality. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets, serving individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both discretionary and non-discretionary retirement plan services.

Manuel Garza is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013, where he serves as managing member. Garza is also active as an insurance agent, selling fixed life and annuity products. Additionally, he contributes time as a volunteer at Texas A&M International University’s A.R. Sanchez, Jr. School of Business. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to build and manage portfolios.

Mark Deutsch is a financial advisor at Cresta Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013. Outside of his advisory role, he is a partner and managing member in several mineral and real estate entities. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to construct and monitor portfolios.

Jeronimo Martinez is a financial advisor at Cresta Advisors with one year of industry experience. He holds a Series 65 designation and previously worked at the Webb County Treasurer’s Office and International Business Advisors. Cresta Advisors manages approximately $533 million in client assets and serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both consulting and discretionary retirement plan management services.

Luis Guajardo is a Series 65-licensed advisor at Cresta Advisors with eight years of industry experience. He has been with Cresta Advisors since 2017 and previously worked at Modern Construction Inc. and the University of Incarnate Word. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory and targeted asset allocation.

Diego Lucatero is a financial advisor at Cresta Advisors with a Series 65 credential and one year of industry experience. Prior to joining Cresta Advisors, he worked in the service industry at Texas Roadhouse and Olive Garden. He is also currently a student. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation.

Ismael Delgado Jr. is a financial advisor at Cresta Advisors with Series 63 and Series 65 credentials and five years of industry experience. His prior work includes roles at New York Life Insurance Co, Primerica Advisors, and the United Independent School District. Outside of advising, he is the owner of Vista Hermosa Holdings, LLC, an LLC for a rental property. Cresta Advisors manages approximately $533 million in client assets, serving individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and investment policy statements.

Oscar Lopez is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and one year of industry experience. His background includes roles at Tejas Financial Advisors and DBR Engineering Consultants. Outside of advising, he is involved in fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs, technology, and operational support while allowing advisors discretion in portfolio construction and access to model portfolios managed by the firm’s Investment Management and Research team.

Carlos De La Garza is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 license and 15 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. He serves as a board member of the Laredo Rotary Charitable Foundation and is a member of the Local Workforce Development Board for South Texas. Additionally, he owns IPAAC Construction, LLC, a real estate business focused on residential and commercial projects. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs using various account types and employs an integrated affiliate structure with a broad network of independent advisors and affiliated broker-dealer services.

Gilberto Bermea III is a CFP® professional with seven years of experience in the financial services industry, currently affiliated with Commonwealth Financial Network and Tejas Financial Advisors. His prior experience includes a four-year role at Texas A&M University. He serves as a Professional Selling Board member with Texas A&M Mays Business School. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs, including custom portfolio solutions and third-party asset manager access. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to its affiliated advisors.

Luis Mendoza III is a financial advisor with Commonwealth Financial Network and holds a Series 66 designation. He has four years of industry experience, including roles at Tejas Financial Advisors, Rio Dex LLC, and the International Bank of Commerce. In addition to his advisory work, Mendoza participates as a presenter with ComPsych, teaching financial awareness. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, allowing advisors discretion in portfolio construction alongside model portfolios managed by Commonwealth’s Investment Management and Research team.

Lizet Karina Serna is a financial advisor with PNC Wealth Management in Laredo, TX, holding Series 63 and Series 66 registrations and bringing 12 years of industry experience. Her prior roles include positions at BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, and COMPASS Bank, spanning from 2006 through 2021. PNC Wealth Management provides retail brokerage and advisory services, including a model-based digital investment program offered as an invitation-only pilot for employees. The firm uses algorithm-driven risk assessments to recommend model portfolios implemented through mutual funds and ETFs, with portfolio management and proxy voting delegated to third parties.

Arnulfo Gonzalez Jr. is a financial advisor at PNC Wealth Management with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at BBVA Wealth Solutions, BBVA Securities, Compass Bank, and J.P. Morgan Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and delegated portfolio management with mutual funds and ETFs.

Mirna Salazar is a financial advisor with PNC Wealth Management in Laredo, TX, holding Series 63 and Series 66 credentials and nine years of industry experience. She has worked at PNC Investments LLC since 2021 and previously held roles at BBVA Wealth Solutions Inc., BBVA Securities Inc., BBVA Compass Insurance Agency, Inc., and Bbva USA. Outside of her financial advisory work, she is the owner of House of Fashion LLC, a boutique specializing in women's clothing and accessories. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees that utilizes approved investment models managed by PNC or third parties, with automated allocation and no direct client trading of individual securities.

Ruben Lopez Jr. is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. He has worked at Commonwealth since 2016 and previously spent five years with Wells Fargo Advisors LLC. Outside of his advisory role, he owns and operates Lopez Cattle, a cattle business based in Laredo, TX. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing a range of advisory programs, technology, and operational support. The firm offers various investment management solutions, including discretionary model portfolios and personalized indexing, serving both retail and institutional clients.

Oscar Lopez is a CFP® with 41 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2016. Prior to that, he worked at Wells Fargo Advisors LLC for seven years. He is based in Laredo, TX. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operational and compliance support to its affiliated advisors.

Fernando Montemayor Jr. is a financial advisor with LPL Financial in Laredo, TX, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in a family partnership owning rental property and undeveloped land through Glass Onion LLC. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with an in-house research team and offers a wide range of investment solutions, combining advisory operations with insurance and annuity product offerings.

Andres Rivas Chavez is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2012. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

Miguel Chavez is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has held leadership roles in several business ventures, including serving as President of Miguel A. Chavez, PC, which provides tax preparation, accounting, and business consulting services. Chavez is also involved in multiple private companies spanning freight transportation and equipment rental. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm emphasizes third-party asset manager selection and uses a tiered wrap fee structure, providing a variety of portfolio models and custodial services.

Matias De Llano III is a financial advisor at Mass Mutual Investors Services with 28 years of industry experience. He holds a Series 63 designation and has worked previously at Metlife Securities Inc. and Metropolitan Life Insurance Company. Outside of his advisory role, he is involved in managing multiple business ventures, including mineral leasing for oil and gas exploration and several real estate entities, and serves as president of a homeowners association. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements that recommend investment categories and strategies without discretionary authority.

Ricardo Hernandez is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2024. Prior to his current role, he was employed at Navistar and has experience in various other industries including mortgage services and retail. Edward Jones is a wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment products.

Elena Solano is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has been with Primerica Advisors since 2015 and has prior experience at Expeditors. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Dylan Rivas Martinez is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. His prior work includes various roles in retail and food services, as well as ongoing employment at Texas A&M International University. Outside of advising, he serves as a high school soccer referee in Laredo, TX. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selected separately managed accounts for individual and high-net-worth clients. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers for portfolio implementation and oversight.

Luis Gonzalez III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 24 years of industry experience. He holds a Series 66 designation and has held positions at firms including Osaic Institutions, Inc., Infinex Investments, Inc., and Texas Community Bank. Outside of his advisory role, he is the managing member of LG Investments LLC, a family investment entity. Raymond James Financial Services Advisors, Inc. serves a wide range of clients, including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a distinctive focus on non-discretionary advisory services.

Ruben Munoz Jr. is a financial advisor with J.P. Morgan Securities in Laredo, TX, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he is involved in design and construction businesses, including ownership of Adriana Maria Design Studio LLC and Elemental Design & Construction LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Harry Beltran is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Lincoln Financial Securities Corporation for 16 years. He also operates Omega Financial Concepts, an insurance agency offering accident, health, disability, fixed, and indexed annuities products. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a broad client base including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of investment strategies and technology-driven portfolio management tools, supporting thousands of advisors and managing approximately $200 billion in assets following recent mergers and platform consolidations.

Susano Castillo Jr. is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Securities Corporation for 16 years. Outside of advising, he is an owner and agent at Susano Castillo Insurance, where he offers health and traditional life insurance. OSAIC is a large investment advisory and brokerage firm serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm employs a technology-driven investment process and offers a broad range of investment products and platforms, supporting thousands of advisors and managing approximately $200 billion in assets.

Jesus Guerra is a financial advisor at Primerica Advisors with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles, including at Primerica Mortgage LLC and as a Texas real estate agent. Outside of financial services, he owns Marco Vending and is active as a real estate agent with Texas Premier Realty in San Antonio. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, utilizing model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure.

Carlos Chapa is a financial advisor with Raymond James Financial Services Advisors, Inc. in Laredo, TX, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at Texas Community Bank, Osaic Institutions, Inc., and Merrill. He also serves as Vice President of TCB Investments, a support company where he acts as an investment executive. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutions. The firm offers financial planning and non-discretionary investment consulting, employing tailored strategies based on risk profiles and firm research, with a distinctive emphasis on advisory services rather than discretionary management.

Ismael Reyes Retana is a financial advisor with LPL Financial in Eagle Pass, TX, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with IBC Insurance Agency, focusing on non-variable insurance products. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a broad range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Gerardo Castellanos is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2011. Outside of advisory work, he is involved in the sales of loan products and home-related services for affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.