Walter Chayes is a financial advisor with Merrill in El Paso, TX, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has worked at Merrill since 1984 and concurrently at Bank of America since 2011. Outside of his advisory role, he serves as a board member of the El Paso Holocaust Museum, a charitable organization. Merrill, along 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 plans, corporations, and charitable organizations.

Cynthia Rivas is a financial advisor with LPL Financial in El Paso, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her prior work includes roles at Graham Capital Strategies LLC, Princor Financial Services Corp, Principal Life Insurance Company, and Securian Financial Services, Inc. She also has involvement with Graham Capital Strategies LLC and Pivot Wealth Management, LLC. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by technology tools.

Sheridan Pantoja is a Financial Advisor at Merrill Lynch Wealth Management specializing in personalized investment strategies, retirement planning, portfolio management, and financial education. His professional approach centers on building relationships tailored to each client's goals, priorities, and vision for the future. Sheridan focuses on helping individuals and families convert their income into long-term wealth through personalized financial plans. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Sheridan earned his High School Diploma from Andress High School. His expertise includes institutional investment consulting, legacy planning, managing new wealth, small business strategies, individual and corporate investment strategy, and retirement income planning. Sheridan is committed to expanding access to financial education, particularly within the Latino community. He participates in community outreach through organizations such as Better Money Habit, El Pasoans Fighting Hunger, and HOLA, where he helps promote financial literacy and wealth-building strategies. Sheridan communicates fluently in both English and Spanish.

Randall Smith is a financial advisor with Cetera, holding the PFS™ and Series 66 credentials and bringing 21 years of industry experience. He has worked with firms including Avantax and 1st Global Advisors and owns RS Wealthcare Advisors, Inc. Smith serves on the boards of Alternative House Inc., a charitable organization, and Paseo Del Este Municipal District No. 3, a Texas utility district. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Brian Farrish is a CFP® with 25 years of experience in the financial services industry. He is currently with Wells Fargo Advisors in El Paso, TX, where he has worked since 2009 in various roles within the Wells Fargo organization. Outside of his advisory work, he owns a microbrewery called 915 Brewing Company in El Paso. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu for clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop tailored recommendations.

Billy Apodaca is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in managing retirement investments for government workers, government contractors, and small businesses. In his role, he listens to clients' concerns and develops long-term financial objectives, leveraging the firm's resources to help them achieve their goals. His approach emphasizes personalized attention through a team strategy. Billy's expertise includes college education planning, employee benefits planning, family wealth management, legacy planning, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He holds a Personal Investment Advisor (PIA) designation and has earned both a Bachelor's Degree and a Master of Business Administration (MBA) from the University of Texas. An El Paso native, Billy spends time volunteering with organizations in his community. His personal interests include baseball, cooking, football, golfing, reading, spending time with his family, traveling, and watching movies.

Jacob Franco is a financial advisor with Wells Fargo Clearing in El Paso, TX, holding Series 63 and Series 66 licenses and possessing 19 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and was previously with LPL Financial from 2015 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is grounded in modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Mark Fischer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Raymond James since 2014. Outside of his primary role, he is the owner of Fischer Wealth Management, a support company based in El Paso, TX. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides non-discretionary planning using analytical tools and supports various advisory programs and institutional consulting.

David Arocha III is a financial advisor with Wells Fargo Clearing in San Angelo, TX. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining Wells Fargo, he worked at 1st Community Federal Credit Union and has a diverse background including roles outside the financial industry. 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 approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice.

Juan Gonzalez is a financial advisor at Equitable Advisors with three years of industry experience. He holds a Series 66 credential and previously worked at Bank of America and Merrill. Gonzalez is based in El Paso, TX. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm’s approach involves matching clients to advisory program models or discretionary managers, with services delivered through a network of Investment Adviser Representatives and third-party asset managers.

Roberto Montes is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including BBVA Wealth Solutions, Bank of America, Merrill, and Wells Fargo Clearing. Montes is also involved in several insurance and wealth management activities, including roles at Vibe Insurance Services Inc and Pivot Wealth Management, LLC. 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 wide range of advisory and brokerage services, utilizing various investment strategies and technology tools across a large network of advisors.

Nicci Churchman is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously held positions at Merrill and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process 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.

Luis Lozano is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held positions at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he owns and manages Capital Investments, LLC, a company involved in purchasing land for residential real estate development. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Christian Chavira is a Financial Advisor and AWMA™ professional associated with Merrill Lynch Wealth Management and Bank of America. He provides personalized wealth management strategies, working with clients such as medical professionals, small business owners, and faith-based communities. His expertise spans college education planning, executive compensation, family wealth management, legacy planning, personal retirement planning, and tax minimization among other financial areas. Christian holds a Bachelor's Degree from the University of Texas at El Paso and carries the Personal Investment Advisor (PIA) designation. He is bilingual in English and Spanish and participates in professional organizations including Delta Sigma Pi and the Hispanic Organization for Leadership & Advancement. Outside of his professional work, Christian is involved with Junior Achievement and enjoys activities such as cooking, spending time with his family, golfing, and playing soccer.

Cynthia Cardoza is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. Her current practice is based in El Paso, Texas. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments, supported by a centralized operational structure.

Colin Mildred is a financial advisor with Thrivent Investment Management in El Paso, TX, holding a Series 66 designation and 19 years of industry experience. He has been with Thrivent Financial For Lutherans and Thrivent Investment Management since 2006. Outside of his advisory role, he serves on the board of trustees for Faith Lutheran Church and School, participating in facility maintenance planning. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers both one-time and ongoing planning engagements, covering a wide range of financial topics.

Michael Montano is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones from 2016 to 2019 before joining Wells Fargo Clearing in 2019. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Roberto Torres is a financial advisor with Equitable Advisors in El Paso, TX, holding a Series 66 designation and 25 years of industry experience. He has been with Equitable Advisors since 2000 and previously worked at Axa Advisors, LLC. In addition to his advisory role, Torres owns and operates a CPA firm, Roberto G. Torres & Co PC, and serves on the investment committee of the Catholic Diocese of El Paso. Equitable Advisors provides financial planning, retirement consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a combination of firm-offered programs and third-party asset managers to deliver customized investment solutions.

David Forney is a financial advisor at Edward Jones in El Paso, TX, holding the CFP®, ChFC®, and Series 66 credentials with seven years of industry experience. Prior to joining Edward Jones in 2019, he served in the United States Army from 2016 to 2019. He is the Vice President of the BNI Synergy Chapter in El Paso, where he manages the membership committee and assists the chapter president. 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 under management and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jesus Alvidrez is a financial advisor with LPL Financial based in El Paso, TX, holding Series 63 and Series 66 licenses and having 25 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., and Banc Of America Investment Services. 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 provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning, portfolio programs, and institutional platforms.