John Muse is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he is a licensed agent with Blue Cross Blue Shield and has involvement in oil and gas leasing activities. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

William Haider is a Benefits & Planning Consultant within Executive Services at Fidelity Investments. He has been with Fidelity since 2022, progressing through roles including Electronic Channel Support, Investment Solutions Representative I and II, before assuming his current position in 2025. In his role, William partners with clients to develop customized financial plans that align with their individual goals and preferences. Throughout his tenure at Fidelity Investments, William has focused on building trust and delivering reliable, competent service. His experience spans various aspects of investment solutions and client support, enabling him to assist clients effectively in their financial planning. Outside of his professional responsibilities, William is engaged in family activities, social events with friends, music, reading, and volunteering.

Robert Ratcliff is a financial advisor with Stifel in Denton, Texas, holding a Series 63 license and bringing 38 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he serves on the Board of Directors for the Cole Ranch Improvement District No. 1 in Denton County and participates in drag racing as a hobby. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Thomas Ingram is a Financial Advisor with Merrill Lynch Wealth Management, bringing 16 years of experience in the financial industry. He focuses on understanding clients' priorities to develop personalized financial strategies that align with their individual and family goals. His areas of expertise include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, and retirement income. Thomas holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree from ITT Technical Institute, following his graduation from Sulphur Springs High School. Thomas is actively involved in his community through initiatives such as the DFW Meal Pack and local disaster cleanup efforts with First Baptist Church Sanger TX in 2024. Outside of his professional commitments, he enjoys camping, football, hunting, music, and spending time with his family.

William Roebken is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior roles include positions at Merrill from 2002 to 2009 and Prudential Equity Group, LLC from 1998 to 2002. Outside of advising, he operates a tax preparation business. 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 range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, managing over $819 billion in discretionary assets through a large network of advisors.

Nathaniel Biddick is a CFP® with 19 years of experience in the financial industry. He is currently with Cetera and has prior experience at Avantax and Edward Jones. Outside of advisory work, he is involved with Olim SportsCards. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and customized strategies across various program structures and custodial relationships.

Chesley Davidson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining LPL Financial in 2022, Chesley worked at Charles Schwab & Co., Inc. and TD Ameritrade. Outside of finance, Chesley has experience in the hospitality industry, including roles at Razzoo's Cajun Café and Cotton Patch Cafe. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kathy Bauer is a financial advisor with Edward Jones in Denton, TX, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she teaches macroeconomics at a local high school. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm provides a range of investment options and advisory services, managing approximately $1.01 trillion in assets through a large nationwide advisor and branch network.

Aaron Stevens is a financial advisor at Raymond James Financial with 13 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years before joining Raymond James in 2018. Stevens also owns Stevens Financial Services, where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Austin Riebe is a Financial Consultant at Fidelity Investments, where he collaborates with clients and their families to develop comprehensive financial plans that reflect their values, priorities, and long-term financial goals. He began his career at Fidelity in 2015 and has held multiple roles including Benefits & Planning Consultant, Workplace Planning Consultant III, Retirement Solutions Representative, and Workplace Planning and Guidance Consultant before assuming his current position in 2024. Throughout his tenure at Fidelity Investments, Austin has gained experience in various aspects of financial planning and benefits consultation. He holds insurance licenses in Arkansas and California. No additional information regarding his education or personal interests is provided.

Cameron Ratcliff is a financial advisor with Stifel in Denton, TX, holding a Series 66 designation and five years of industry experience. Prior to joining Stifel, he worked at UDC Global, LLC, Stream Realty Partners, LP, and Huselton, Morgan, & Maultsby, P.C. He serves as a board member for the Cole Ranch Improvement District No. 2 of Denton County, Texas. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides episodic fee-based financial planning and is involved in private funds, municipal placements, and operates alongside affiliated trust companies and banks.

John Hurlbut is a financial advisor with Edward Jones in Flower Mound, TX, holding Series 63 and Series 66 designations and 37 years of industry experience. He has been with Edward Jones since 1998 and also operates a farming and ranching business, Case Creek Ranch. Additionally, he serves on the finance committee for Christian Community Action in Lewisville, TX. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, supported by a large network of financial advisors and branch offices nationwide.

Jeff Schuetts is a CFP® with 31 years of industry experience, currently affiliated with Merrill. He has worked at Merrill since 2007 and Bank of America, NA since 2009. Schuetts serves as a board member for the Denton County Housing Finance Corporation, which provides low-cost loans for housing assistance. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremy Newton is a financial advisor with LPL Financial in Highland Village, Texas, holding Series 63 and Series 66 registrations and 24 years of industry experience. He has been with LPL Financial since 2006. 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 range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset managers, supporting advisors with technology and diverse investment strategies.

Clifton Clay is a Series 66 licensed financial advisor with Edward Jones in Corinth, TX, where he has worked since 2014. He has 12 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Jeffrey Graves is a financial professional at Cetera with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including FFEC Insurance Agency and First Financial Equity Corporation. Outside of financial services, he owns and operates a short-term vacation rental business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and unaffiliated managers.

Brian Howell is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at various Fidelity entities since 2006, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Ryan Hammer is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Equitable Advisors, AXA Advisors, and TD Ameritrade. Outside of his primary role, he is also involved with NFOCUS Financial Partners in sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, offering a range of advisory and brokerage services supported by a multi-advisor platform.

Latoya Johnson Arnett is a financial advisor at Edward Jones in Little Elm, TX, holding a Series 66 designation. She has four years of experience in the industry and previously worked for the School District of Palm Beach County for eleven years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

David Thompson is a financial advisor with Osaic Wealth, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has held roles at several firms, including New York Life Insurance Company and Eagle Strategies. He is also president of a business that brokers non-registered insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and both discretionary and advisor-managed investment strategies.