Richard Dudley is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Adolph Lara is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His prior career includes roles at Victory Capital Advisers and multiple positions at USAA-affiliated firms spanning from 1994 to 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Clayton Buchanan is a financial advisor with Merrill in New Braunfels, TX, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2017 and is currently affiliated with Bank of America, N.A. since 2024. Prior to his advisory roles, he worked at Dallas Baptist University from 2013 to 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luis Mondragon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2020 and was previously employed at Wells Fargo Clearing and Wells Fargo Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ricardo Guerrero serves as the Resident Director and International Wealth Advisor at Merrill. With over 20 years of experience in the financial services industry and specialized expertise in wealth management since 2003, he manages a diverse client base that ranges from first-generation wealth to multigenerational wealth planning for both U.S. and international clients. He is fluent in English and Spanish and holds the Personal Investment Advisor (PIA) designation. Born and raised in South Texas, Guerrero moved to San Antonio in 1995 where he completed his Bachelor's degree in Business Administration with a concentration in Management from the University of Texas at San Antonio. His professional focus includes college education planning, family wealth management, international wealth management, socially responsible investing, retirement planning, and portfolio management services. Guerrero is actively involved in his community through various professional organizations including co-chairing the Bank of America Hispanic Latino Business Council and mentoring through the InSpireU Mentorship Program. He emphasizes stability, balance, and the best interests of his clients in his practice. Outside of work, he enjoys spending time with his family, traveling, and participating in sports and adventure activities.

John Lander Jr. is a CFP® professional with 27 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2018. Prior to this, he held various roles at USAA Financial Advisors, Inc. and related entities from 2003 to 2018. Outside of his advisory work, he is involved as a business owner in ventures including Lander Whitetail. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by tools such as machine learning for operational and research purposes.

Ryland Bryant is a Wealth Management Advisor at the Merrill Lynch Wealth Management complex in San Antonio. He brings extensive experience in financial services, focusing on helping clients achieve key financial goals such as education planning, personal retirement planning, portfolio management, tax minimization, and retirement income. Ryland holds a Bachelor's Degree in Economics from Saint Mary's University of San Antonio and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise includes developing comprehensive strategies for retirement income accumulation and distribution, college planning, estate planning, and long-term care insurance. He also works with clients on business-related financial services such as business loans and cash flow management. In addition to his professional work, Ryland is involved in community organizations including the Alamo College Foundation and SAMMinistries.

Erin Landrau is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill since 2003. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Valarie Neeley is a Series 66-credentialed financial advisor at Wells Fargo Clearing with 22 years of experience at the firm. She is based in San Antonio, TX, and has been with Wells Fargo Clearing since 2004. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Teresa Grubman is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Her prior roles include positions at USAA, Victory Capital, Citigroup, and New York Life Insurance Company. Outside of finance, she owns and operates a business called The Lady in the Moon, offering new age gifts and complementary alternative medicine services such as Tarot and sound healing, and she is also a freelance author of non-fiction books. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Benjamin Taylor is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1998 following 21 years of active duty service as a U.S. Army Armor Officer, where he held leadership roles including tank platoon leader, company commander, and battalion executive officer. His military experience is complemented by his academic background in history and business. Mr. Taylor earned a Bachelor of Arts in History and English from Trinity University in San Antonio, Texas, an MBA from Webster University in St. Louis, Missouri, and a Master of Arts in Military History from the U.S. Army Command and General Staff College at Fort Leavenworth, Kansas. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and maintains Series 7 and 66 FINRA registrations. His client focus includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income. Outside of his professional responsibilities, Mr. Taylor is involved in his church and the Boy Scouts of America in San Antonio. He is an avid water skier and supports American Water Ski Association tournaments. He resides in Helotes, Texas, with his wife, Anne, and enjoys traveling to visit their grown children and grandchildren.

Jon Thompson is a CFP® and ChFC® with 25 years of experience in financial advising. He has worked at LPL Financial since 2016 and previously spent 13 years with USAA Financial Planning Services. He is also a partner at Sans Ltd Enterprises LLC, a company involved in real estate rental. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by a broad platform of tools and partnerships.

Adam Rhoades is a financial advisor with Edward Jones in New Braunfels, TX, holding a Series 66 designation and 12 years of industry experience, all with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and strategies with approximately $1.01 trillion in assets under management. The firm operates a large network of financial advisors and branch offices, providing both discretionary and non-discretionary solutions alongside affiliated mutual funds and overlay tax-efficient services.

James Vera is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at USAA Investment Services Company, Fidelity Investments, Citigroup, Victory Capital, JPMorgan Securities, and USAA Financial Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to deliver tailored recommendations.

Divine Onyia is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, he worked at Charles Schwab from 2022 to 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment recommendations.

Benjamin Beecher is a CFP® with 25 years of industry experience, currently serving at LPL Financial in San Antonio, TX. His prior roles include positions at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services, and USAA Financial Planning Services. Outside of his advisory work, he owns a small beekeeping business, Harper Texas Honey. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customizable strategies supported by technology tools.

Laura Chambers is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has worked at Merrill since 2007 and concurrently at Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Julia Hamon is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked with Wells Fargo entities since 1995, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of her advisory work, she co-owns a rental property in Luling, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Alejandro Alvarez is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles at Solvanta Ventures LLC, Heb, JPMorgan Chase Bank, N.A., and South Texas College. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Trent Hiner is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and having one year of industry experience. His prior roles include positions at Northwestern Mutual, Arkansas Financial Group, and First Convenience Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm offers services on a non-discretionary basis, applying an ESG eligibility framework and recommending funds and strategies approved through its internal review processes.