Ronald Tavarez is a financial advisor with Frost Investment Services in San Antonio, TX. He holds Series 63 and Series 66 licenses and has 35 years of industry experience. Tavarez has been with Frost Investment Services since 2017 and has a longstanding history with affiliated firms dating back to 1995. He serves as a director and finance committee member for the Vannie E Cook Jr. Cancer Foundation in McAllen, TX. Frost Investment Services advises a range of individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with over 160 advisors and is notable for its affiliation with a banking institution.

Javier Fernandez is a financial advisor at Van Clemens Wealth Management, LLC with 15 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and HD Vest Advisory Services. Fernandez also has a background in accounting through his work at Fernandez & Fernandez CPAs, LLC. Van Clemens Wealth Management serves individuals, trusts, estates, and institutional clients by providing portfolio management, financial planning, retirement plan consulting, and estate-planning support. The firm customizes advice based on client objectives and risk tolerance, utilizing both in-house and third-party managers, and employs a blend of modern portfolio theory with fundamental and technical analysis in its investment approach.

Matthew Richter is a financial advisor with 3 years of industry experience, currently with 1900 Wealth. He holds Series 63 and Series 65 licenses and previously worked for Lucas Petroleum Group Inc for 9 years. 1900 Wealth serves individuals, family offices, pension and profit-sharing plans, trusts, estates, corporations, and other entities with financial planning, consulting, and investment management. The firm emphasizes strategic asset allocation using low-cost ETFs and mutual funds, provides customized managed portfolios through sub-advisers, and manages affiliated private funds while recommending related banking services through its common ownership with Jefferson Bank.

Laura Cropo is a financial advisor at Frost Investment Services with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Frost Brokerage Services since 2018 and Frost Bank since 2011. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs using a combination of proprietary and third-party strategies implemented through the Fidelity Managed Account Xchange platform.

Cynthia Salzman is a financial advisor with Wealthcare Advisory Partners LLC, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at Cetera and Aspect Wealth Management. Outside of advising, Salzman serves as chair of the finance committee for the San Antonio Parks Foundation. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising discipline supported by patented software and incorporates both passive and active investment strategies, along with dynamic rebalancing when appropriate.

Garrick Behelfer is a financial advisor at Frost Investment Services with 20 years of industry experience. He holds the Series 66 designation and has worked in various roles at Frost Bank, Frost Brokerage Services, and Frost Investment Services since 2010. Frost Investment Services is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs, utilizing a combination of proprietary and third-party investment strategies implemented through the Fidelity Managed Account Xchange platform.

Michael Parsley is a financial advisor at Frost Investment Services with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2017. Prior to that, he was employed at BOK Financial Securities, Inc. and Bank of Texas. Frost Investment Services is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs utilizing the Fidelity Managed Account Xchange platform and integrates fundamental, technical, and cyclical research in its investment process.

Steven Gutierrez is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Citigroup Global Markets for 17 years and Frost Brokerage Services, Inc. since 2024. Outside of his advisory role, Gutierrez serves as an adjunct instructor at the College of Biomedical Equipment Technology, teaching an online Ethics in Healthcare course. Frost Investment Services is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and various managed account programs, implementing client portfolios through the Fidelity Managed Account Xchange platform with a research-driven investment process and optional tax and ESG overlay services.

Richard Dullnig is a financial advisor at 1900 Wealth with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Ameriprise and Investment Professionals, Inc. Outside of his advisory role, he serves as President of the Oakwell Farms HOA Board of Directors and as Treasurer for the San Antonio Stock Show & Rodeo BBQ Committee. 1900 Wealth serves a range of clients including individuals, family offices, pension plans, and corporations, offering financial planning, consulting, and investment management. The firm emphasizes strategic asset allocation using low-cost ETFs and mutual funds to build diversified portfolios tailored to client objectives and routinely manages accounts on a discretionary basis.

Harold Clay is a financial advisor at Frost Investment Services with five years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Frost, he worked at the University of Texas at San Antonio and NorthWest Vista College. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with around 179 advisors and is noted for its affiliation with a banking institution, managing approximately $3.7 billion in client assets.

Kevin Caputo is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Apollon Wealth Management, LLC. His prior experience includes roles at PKS Investments, City National Bank, and RBC Capital Markets. He is a board member of Junior Achievement of Southern California, where he volunteers to teach financial literacy to youth. Apollon Wealth Management, LLC is a multi-team SEC-registered adviser serving individuals, high-net-worth clients, families, trusts, businesses, charitable organizations, and retirement plans. The firm combines centrally managed model strategies with locally managed portfolios, offering financial planning, portfolio management, retirement plan advisory, and consulting services, while utilizing a broad range of investment vehicles and serving specialized client segments including pooled funds and insurance company clients.

Christine Kellogg is a financial advisor at Frost Investment Services with nine years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of her advisory role, she serves as a board member and treasurer for Irving Cares, a community philanthropy organization. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and various managed account programs, implementing client portfolios through the Fidelity Managed Account Xchange platform with a combination of proprietary and third-party strategies.

Kyle Hampton is a financial advisor at Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 licenses with five years of industry experience. His prior roles include positions at Frost Brokerage Services, Purshe Kaplan Sterling Investments, and 49 Financial. Before entering the financial industry, he worked in various other fields including forensic engineering and the hospitality sector. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with a banking institution affiliation, managing approximately $3.7 billion in client assets through about 179 advisors.

Erik Jackson is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at multiple firms, including BBVA Wealth Solutions, PNC Managed Account Solutions, and currently Frost Brokerage Services. Outside of his advisory role, he manages a small property rental business. Frost Investment Services serves individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm combines enterprise-scale resources with a bank affiliation, managing approximately $3.7 billion in client assets across nearly 180 advisors.

Francisco Prieto is a financial advisor with Frost Investment Services in Dallas, TX, holding a Series 63 designation and 10 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Valic Financial Advisors, and Massachusetts Mutual Life Insurance Company. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs, utilizing the Fidelity Managed Account Xchange platform and a research-driven investment process.

Jennifer Lopez is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 66 and Series 63 licenses and two years of experience in the industry. Her prior work includes roles at Fidelity Investments and several retail companies. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management through an enterprise platform with approximately 179 advisors and $3.7 billion in client assets. The firm is notable for its affiliation with a banking institution and its fee model based primarily on assets under management.

Justin Davis is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His prior roles include positions at Frost Brokerage Services, PNC Investments, and multiple BBVA affiliates over more than two decades. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management and comprehensive financial planning, utilizing the Fidelity Managed Account Xchange platform and incorporating fundamental, technical, and cyclical research in its investment process.

Davis Hance is a financial advisor at Frost Investment Services with one year of industry experience. He holds the Series 66 designation and previously worked at Deloitte for five years. Outside of his advisory role, he provides accounting services as an independent contractor for The Courtly Canvas in Houston. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management and comprehensive financial planning, implementing client portfolios through Fidelity's Managed Account Xchange platform with a mix of model-based and advisor-managed strategies.

Alicia Gonzalez is a financial advisor at Frost Investment Services with 17 years of industry experience. She holds a Series 63 designation and has been affiliated with Frost Brokerage Services and Frost National Bank since 2007 and 2006, respectively. Based in San Antonio, TX, she has a long tenure within the Frost organization. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and a variety of managed account programs, utilizing the Fidelity Managed Account Xchange platform and a multi-disciplinary investment approach that includes fundamental, technical, and cyclical research.

Shelly Churchill is a financial advisor at Frost Investment Services with two years of industry experience. She holds a Series 66 designation and has previously worked at First Command Insurance Services and Consumer Portfolio Services, Inc. Frost Investment Services is a retail-focused SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs using the Fidelity Managed Account Xchange platform, incorporating proprietary and third-party model portfolios with options for tax and ESG overlays.