Willie Howard is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Securities America Advisors, Inc. and Investacorp Inc. Howard is involved in community development and nonprofit leadership, serving as President of the Fred Douglass Community Development Corporation and holding past leadership roles in local alumni and entrepreneurial organizations. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through an extensive network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing firm-provided asset-allocation tools and third-party platforms to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Michael McGee Jr. is a Series 66-credentialed financial advisor with 13 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2018 and previously was with Hornor, Townsend & Kent, Inc. from 2013 to 2018. Outside of advising, he teaches continuing education courses for CPAs and is involved as an author, educator, podcast host, and speaker. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using multiple platform arrangements and a range of discretionary and non-discretionary strategies tailored to client objectives.

Jenna Cedillo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has worked at various J.P. Morgan entities since 2016 and is also a partner in Gemini Properties, LLC. 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 applying an ESG eligibility framework in its recommendations.

Sohrab Abbas Zarasvand is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Fidelity Personal and Workplace Advisors, Commerica Bank, and Merrill. 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 to guide investment recommendations.

Li Ping Cytrynowicz is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at firms including Prudential Insurance Company of America and LPL Enterprise. Outside of financial services, she was involved with Language Land LLC for seven years. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Scott Powers is a financial advisor at Edward Jones in Katy, TX, with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2002. Powers is a limited partner in the Irons Bayou Partnership, an LLC based in Henderson, TX. 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 and operates through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Renee Lofland is a financial advisor at Morgan Stanley with 17 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2015. Outside of her advisory role, she volunteers as a precinct chair with the Harris County GOP, organizing get out the vote campaigns in her neighborhood. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process using firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Jamie Dillon is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, BBVA Securities, and other financial firms. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm’s integration with Bank of America enables access to a wide range of products and services beyond typical investment management.

Gregory Gregory is a financial advisor at Cetera with 29 years of industry experience. He holds the PFS™ credential and Series 63 license. Gregory has worked at several firms including Avantax and has operated his own firm, Gregory Financial Services Inc, since 2009. He serves as Treasurer and Comptroller for the Sharpstown Rotary Club. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services, utilizing both affiliated and third-party managers within multiple program structures.

Haley Clavenna currently serves as a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this capacity, she assists clients in working toward their financial goals through thoughtful planning, personalized guidance, and data-driven insights. Her approach emphasizes building strong relationships and understanding each client's unique priorities to deliver solutions that align with their evolving needs. Haley has accumulated extensive experience within Fidelity Investments, previously working as a Relationship Manager from 2022 to 2026 and as a Financial Representative from 2020 to 2022. Her career includes earlier roles as a Relationship Manager at Fidelity Investments from 2019 to 2020 and as a 403B Representative at AXA Advisors between 2017 and 2018. She also has experience as a Private Client Banker at Chase Bank from 2015 to 2017 and internships at Senior Partners and Fidelity Investments. Outside of her professional responsibilities, Haley's personal interests include family activities, tennis, and traveling.

Reji Mathews is a financial advisor at OSAIC with 36 years of industry experience. He holds a Series 63 designation and has worked at FSC Securities Corporation and as a self-employed advisor. He also owns a sole proprietorship providing sales and service of health, disability, life insurance, and fixed annuity products. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple advisory platforms.

Kevin Coad is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, progressing from Investment Consultant to Financial Consultant, and currently holds his vice president role since 2025. Prior to joining Fidelity, Kevin worked as a Financial Advisor at Ameriprise Financial from 2013 to 2015. Kevin's approach to financial advising centers on personalized service combined with disciplined retirement planning. He collaborates closely with clients to build lasting, multi-generational relationships based on trust and service. By understanding each client's unique needs and goals, he helps create customized financial plans aimed at providing financial security and peace of mind for the future. Kevin holds an Arkansas Insurance License. Outside of his professional role, his personal interests include beach activities, family activities, military service, skiing, and traveling.

Ruben Hope IV is a financial advisor with Edward Jones in Richmond, TX. He holds a Series 66 designation and has 10 years of industry experience. He has been with Edward Jones since 2012. 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 strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Farhan Sayani is the Vice President and Financial Consultant at Fidelity Investments. In this role, he collaborates with clients to develop and implement customized financial plans tailored to their individual needs, utilizing Fidelity's resources and tools. He has been with Fidelity Investments since 2010, progressing through various roles including Financial Representative-Trader, Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant since 2020. Details about his education, credentials, personal interests, or community involvement were not provided.

Justin Hernandez is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and J.P. Morgan Bank since 2020, following six years at TIAA-CREF. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with affiliated brokerage and investment management services.

Hugo Rodrigues is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 15 years of industry experience. His career includes roles at JP Morgan Chase Bank, Bank of America, and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering clients a range of advisory and brokerage capabilities.

Rey Sarmiento is a Certified Financial Planner™ (CFP®) with 24 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2009. Based in Houston, TX, he holds the Series 66 designation. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Carlos Torresdey is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial and Houston Federal Credit Union in 2025, he worked at Bank of America and Merrill from 2017 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios, research, and various technological tools.

Shelbi Chapa is a CFP® certificant and Series 66 license holder affiliated with Edward Jones in Katy, TX, with four years of industry experience. She has held various roles at Edward Jones since 2019. Outside of her advisory work, she manages a rental property in Fulshear, TX. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, supported by a nationwide network of more than 23,000 financial advisors.

Allison Schaberg is a financial advisor with OSAIC who holds Series 63 and Series 65 credentials and has 27 years of industry experience. She previously worked at Triad Advisors, Inc. and Ameritas Investment Corp, and has been involved with Houston Patient Advocacy since 2013. In addition to her advisory role, she provides special needs consulting, medical bill advocacy, and social security maximization analysis through Consolidated Planning Group, where she serves as general agent and owner. OSAIC serves a wide range of retail and institutional clients, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a variety of investment products and supports both discretionary and non-discretionary account management.