Joshua Graber is a CFP® professional at Penney Financial with two years of experience at the firm. Prior to joining Penney Financial, he was involved with Ice Designs Houston, LLC, where he worked for four years. Penney Financial provides fee-only financial planning and investment advisory services to individuals, families, high-net-worth clients, trusts, estates, and small business entities. The firm emphasizes diversified, low-cost investment allocations and offers tiered ongoing service options that start with comprehensive financial planning.

Michelle Smith is a financial advisor at Penney Financial with five years of industry experience. She holds the Series 66 designation and previously worked at Questar Asset Management and Questar Capital Corporation. Outside of her advisory role, Smith is the Chief Financial Officer and owner of The Smith Property Group, a rental property management business. Penney Financial serves individuals, families, high-net-worth clients, trusts, estates, charitable organizations, and small businesses through comprehensive financial planning and discretionary asset management. The firm employs a research-driven, academically informed investment approach focused on long-term, buy-and-hold strategies using low-cost mutual funds and ETFs.

Frank Idrees is a financial advisor with Wealth Benefit Advisors, LLC in Houston, TX, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investment, Grove Point Investments, Grove Point Advisors, Quercus Capital Partners, and H. Beck, Inc. He is also the owner of a life insurance business focused on managing client portfolios and related services. Wealth Benefit Advisors, LLC provides investment advisory services to individuals, high-net-worth clients, and pension/retirement plans, offering managed accounts and retirement plan consulting. The firm tailors portfolio management strategies using a mix of turnkey asset management programs and separately managed accounts, serving a diverse client base with customized risk and return objectives.

Karen Pong is a CFP® professional with 33 years of experience in the financial services industry. She is the owner and sole advisor at Custom Wealth Solutions, a firm she established in 2025. Prior to founding her firm, she held roles at Woodbury Financial Services, Questar Asset Management, and Victory Financial Group. In addition to her advisory work, she owns and operates K L Insurance Services, an independent insurance agency. Custom Wealth Solutions provides discretionary asset management primarily to individual and high-net-worth clients, utilizing both direct and program-based portfolio management through the Orion platform. The firm integrates third-party strategists and employs planning tools such as Monte Carlo simulations to tailor investment programs to client objectives.

Robert Ramsey is a financial advisor at RNS Wealth Management, LLC with 18 years of industry experience. He holds a Series 66 designation and has worked at Primerica Advisors for 10 years and Guardian Wealth Design Group since 2005. He is also active as an insurance agent through Guardian Wealth Design Group. RNS Wealth Management provides discretionary portfolio management and financial planning primarily for individual clients, using an American Funds mutual‑fund platform and third‑party managers. The firm delivers tailored financial planning and conducts regular account reviews while maintaining a relatively small client roster.

David Teel is a CFP® professional with 20 years of experience in financial advising. He has been with Sweetwater Financial Advisors, LLC since 2001. Sweetwater Financial Advisors, LLC manages approximately $95.6 million for about 208 clients through a two-advisor team. The firm serves individuals, including high-net-worth clients, as well as employer-sponsored retirement plans and government clients, offering discretionary portfolio management, financial planning, and 401(k)/pension consulting. Their investment approach uses model portfolios primarily composed of mutual funds, ETFs, and individual equities, combining fundamental and technical analysis with active management strategies.

Keith Huber is a CFP® professional with 38 years of industry experience, currently serving as the sole advisor at Huber, Cardono, Moring & Richter, L.P. He has been with the firm since 1996 and has also been affiliated with Cambridge Investment Research, Inc. since 2007. Outside of his advisory work, he owns a business related to insurance, benefits, and human resources. Huber, Cardono, Moring & Richter, L.P. provides portfolio design and investment management primarily for individual clients and related accounts, using mutual funds, ETFs, stocks, and bonds, with occasional alternative investments. The firm employs both discretionary separately managed accounts and non-discretionary client accounts and emphasizes a client-directed implementation process with regular portfolio reviews.

James Hecker is a financial advisor at Life Balance Financial in Houston, TX, holding a Series 66 designation with 21 years of industry experience. He has worked at Life Balance Financial since 2018 and previously spent 14 years at Park Avenue Securities and 15 years at Guardian Life Insurance Company. Hecker also conducts occasional personal insurance sales through non-Guardian carriers. Life Balance Financial provides financial planning services by recommending and monitoring third-party investment advisers rather than directly managing assets. The firm’s approach focuses on asset allocation, portfolio construction, and tax-aware strategies, delivering a diagnostic "Portfolio MRI" and written financial plans as primary client services.

Christopher Suffron is a financial advisor at Innova Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has worked at Innova Wealth since 2024. In addition to his advisory role, he is a tax director and minority shareholder at a public accounting firm, where he prepares and reviews tax returns and provides tax consulting services. Innova Wealth serves individual and high-net-worth clients, offering portfolio management and comprehensive financial planning. The firm uses a tailored Investment Policy Statement and combines fundamental analysis with modern portfolio theory to manage client portfolios, often employing discretionary trading authority and third-party sub-advisers.

Joseph Klingen is a financial advisor at Parker Financial Advisors LLC in Houston, TX, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 30 years of industry experience and has been with Parker Financial Advisors since 2008. Outside of his advisory role, Mr. Klingen owns and operates a tennis racquet stringing business called Stringin' Klingen. Parker Financial Advisors LLC provides wealth management and portfolio management services to individual and high-net-worth clients, using a structured onboarding process and regular progress meetings. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing diversification, long-term asset allocation, and institutional asset-class vehicles.

Serving the wealth management needs of individuals and families with financial complexity in their lives is Justin's mission, leading him to found Integrity Road Wealth Partners, a fee-only Registered Investment Advisor firm. To learn more about Integrity Road Wealth, please visit www.integrityroadwealth.com. Justin serves clients preparing for and transitioning into retirement. Many of Justin’s clients are high-achieving engineers, pilots, business owners, executives, and attorneys. The clients Justin serves are often preparing to receive a lump sum pension, deferred compensation, or a buyout of their equity interests. Justin’s clients often experience sustained annual income of $200,000 - $2 million pre-retirement, enabling them to accumulate material retirement plan and after-tax assets. While accumulating $2 - $20 million in liquid assets is often quite feasible for the high-income professionals, airline pilots, executives, and business owners Justin serves, navigating the transition into retirement and beyond often warrants the involvement of a skilled professional to provide prudent guidance. In his most recent role as a Wealth Advisor at a national Registered Investment Advisor, Justin advised over 100 primarily high-income and affluent households on an ongoing basis as their primary advisor and financial planner. Prior to the advisor role at the national firm, Justin was Director of Financial Planning at a boutique Registered Investment Advisor in Houston. As Director of Financial Planning, Justin served the holistic wealth management needs of high-income and wealthy families. Alongside of his client advisory responsibilities, Justin was responsible for the company’s portfolio management, reporting, strategic planning, and operations functions. Justin first became interested in personal finance when he was about eight years old, buying his first stock. At Liberty University, Justin earned a Bachelor of Science in Business Administration with a concentration in Financial Planning, graduating Summa Cum Laude on a three-year track. After college, Justin pursued the licensing and advanced certifications required to serve clients effectively. As a Certified Financial Planner® Professional and Certified Kingdom Advisor®, Justin completed training, advanced examination, and a residency-like program before becoming certified. Justin is also an Investment Adviser Representative, having completed the Series 65.

Yevgeniya Andryeyeva is a CFP® professional with three years of experience at Stavis Wealth Transfer Solutions. Her prior work includes positions at Admitad and Knight Frank Russia. Stavis Wealth Transfer Solutions serves high-net-worth individuals, families, family offices, trusts, charitable organizations, and small businesses by providing integrated wealth, estate, and financial planning alongside asset management and trust policy services. The firm emphasizes tailored, goals-based planning and coordinates with clients’ other professional advisors while offering discretionary and non-discretionary portfolio management.

Thomas Chen is a financial advisor at Chung Wu Investment Group, LLC with six years of industry experience. He holds a Series 65 credential and has been with Chung Wu Investment Group since 2019. Prior to this, he worked at Ztylus Inc. from 2015 to 2018. Outside of advising, Chen is involved in several family investment and equipment sales businesses as a general partner. Chung Wu Investment Group provides discretionary and non-discretionary asset management and financial planning services to individuals, trusts, estates, and business entities. The firm manages approximately $127 million across about 91 clients and utilizes a combination of macroeconomic, fundamental, and technical analysis, including the use of derivatives, to tailor investment strategies.

Joseph Foley is a financial advisor at Fortiter Wealth Management, LLC in Houston, TX, holding the Series 66 designation with 18 years of industry experience. He worked at First Trust Portfolios L.P. for 17 years before joining Fortiter Wealth Management in 2024. Fortiter Wealth Management serves high-net-worth individuals, trusts, retirement plans, and corporate clients, providing portfolio management, financial planning, and retirement plan consulting. The firm employs a process based on fundamental analysis and modern portfolio theory, offering diversified portfolios and utilizing model-driven strategies alongside independent managers and sub-advisors.

Katherine Letsos is a financial advisor with Joyce Wealth Management, LLC, holding a Series 66 designation and bringing 19 years of industry experience. She previously worked at J.D. Joyce Investment Management Group, LLC and Wells Fargo Advisors, both for a decade. Joyce Wealth Management provides financial planning, consulting, and investment management services to individuals, trusts, estates, charitable organizations, and retirement plans. The firm combines fundamental and technical analysis to tailor portfolios across a range of investment vehicles, with attention to client-specific factors such as risk tolerance and cash-flow needs.

Asim Naseem is a financial advisor at Thales Investment Services, Inc. with 13 years of industry experience. He holds a Series 65 designation and has worked at Thales since 2012. Outside of his advisory role, Mr. Naseem operates a consulting practice through Run Staffing Inc., providing technical analyst services. Thales Investment Services offers discretionary portfolio management for individual clients and pension/profit-sharing plans, using a proprietary fundamental-value approach that incorporates both fundamental and technical analysis. The firm targets distressed and undervalued assets, with strategies that include illiquid and speculative positions while considering domestic and global macroeconomic factors.

Timothy Hermesch is a financial advisor at Latitude Investment Group with 38 years of industry experience. He holds the ChFC® designation and Series 63 registration. Prior to joining Latitude Investment Group, he worked at Divergent Capital Asset Management, Atlas Financial Advisors, SOFOS Investments, and Securities America. Outside of investment advisory, he operates Hermesch Group as a traditional life insurance agent specializing in life insurance, long-term care, fixed annuities, and federal employee benefits. Latitude Investment Group provides investment advisory and financial planning services to individual clients, offering managed accounts, portfolio reviews, asset allocation recommendations, and written investment strategies tailored to clients’ objectives and risk tolerance.

Louis Pelz Jr. is a financial advisor at Core Capital Management and Research Inc. in Houston, TX, with 28 years of industry experience. He has been with Core Capital since 2008 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a general partner in Pelz Family LP, an asset holding and leasing company. Core Capital Management and Research Inc. provides discretionary and non-discretionary investment advisory services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a combination of fundamental, technical, charting, and cyclical analysis and offers strategies including long- and short-term purchases, short sales, option writing, and futures.

Kayla Tolunay is a CFP® with 10 years of industry experience, currently serving at Stavis Wealth Transfer Solutions in Houston, TX. She has worked at several firms since 2009, including Stavis & Cohen Private Wealth LLC and Tanglewood Total Wealth Management, Inc. Tolunay is also an independent insurance agent. Stavis Wealth Transfer Solutions provides integrated wealth transfer, financial and estate planning, and asset management primarily for high-net-worth individuals, families, family offices, trusts, and foundations. The firm emphasizes coordinated estate and trust work with clients’ other professional advisors and offers specialized services such as trust policy management and life-insurance audits.

John Reimer is a CFP® professional with 18 years of experience in financial advising. He is currently with Signature Financial Advisors, where he has worked since 2016, and is also involved with Rmdr Advisors, Inc. and Reimer McGuinness & Associates, P.C. Outside of his advisory roles, he serves as CFO and shareholder of a restaurant business and holds ownership interests in a youth sports training center and a regional kids gym franchise. Signature Financial Advisors serves individual clients, closely held businesses, and pension and profit-sharing plans by providing investment supervisory services, manager-of-managers selection, pension consulting, and financial planning. The firm offers advice on a non-discretionary basis, working with clients to develop investment policy statements and selecting third-party asset managers to implement and monitor portfolios.