Earline Chapa is a financial advisor at Waterloo Capital with 16 years of industry experience. She holds Series 63 and Series 66 designations and has been with Waterloo Capital, formerly Virtus Private Wealth Management, since 2004. Waterloo Capital is an SEC-registered multi-team adviser serving entrepreneurs, high-net-worth individuals, trusts, retirement plans, and other entities. The firm offers customized portfolios with a long-term, buy-and-hold investment approach, comprehensive financial planning, and access to third-party sub-advisers and educational seminars.

Randy Flowers is a CFA® charterholder and holds a Series 63 license with five years of industry experience. He is currently with Waterloo Capital and Intelligent Wealth Solutions, having joined both firms in 2022. His prior experience includes roles at Pacific Investment Management Company LLC, Aspiriant LLC, and Goodwater Wealth Management of Raymond James. Waterloo Capital is a multi-team, SEC-registered advisory firm that serves entrepreneurs, high-net-worth individuals, trusts, and retirement plans. The firm manages approximately $2.26 billion across a range of customized investment portfolios using fundamental analysis and a long-term, buy-and-hold approach, supplemented by access to third-party sub-advisers and a broad array of investment tools.

Christopher Wilbratte is a financial advisor with The Fiduciary Alliance in Austin, TX, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and GWN Securities Inc. Wilbratte serves as Board Chair of the Rise School of Austin, a preschool for special needs children, and is the author of tax strategy and wealth preservation books for business owners. The Fiduciary Alliance provides discretionary portfolio management and comprehensive financial planning primarily to individual and high-net-worth clients as well as other investment advisers. The firm employs a client-specific investment approach that incorporates fundamental, technical, cyclical, and charting analyses, and offers access to third-party managers through a multi-division, multi-advisor representative network.

Frances Moore is a financial advisor with Waterloo Capital in Austin, TX, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She previously worked at Raymond James & Associates for five years before joining Waterloo Capital in 2018. Outside of her advisory role, Moore serves as Treasurer of the Endowment Fund for All Saints Episcopal Church. Waterloo Capital is a multi-team SEC-registered adviser serving accomplished entrepreneurs, high-net-worth individuals, trusts, retirement plans, and other entities. The firm employs a long-term, buy-and-hold investment approach with customized portfolios and access to a broad range of investment tools and third-party sub-advisers.

Worth Trainor is a financial advisor with Kestra Private Wealth Services, LLC in Austin, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked for UBS Financial Services for ten years before joining Kestra Advisory and Kestra Investment Services, LLC. Trainor is also a managing director at Riverside PWS, where he provides wealth management services. Kestra Private Wealth Services operates as a multi-team firm serving individuals and institutional clients through a network of independent advisors. The firm manages approximately $13.45 billion in client assets, offering access to a wide range of investment products and platforms with both discretionary and non-discretionary arrangements.

Robert Russell Jr. is a financial advisor at Waterloo Capital with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Waterloo Capital since 2021, following prior roles at Royal Alliance and National Planning Corporation. He is also licensed in life and health insurance. Waterloo Capital is an SEC-registered multi-team adviser that serves entrepreneurs, high-net-worth clients, trusts, and retirement plans. The firm manages approximately $2.26 billion across diverse investment strategies, employing a long-term, buy-and-hold approach with customized portfolios and access to third-party sub-advisers.

Robert Schilly is an investment advisor with Transce3nd LLC, holding Series 63 and Series 65 credentials and over 20 years of industry experience. His prior roles include positions at Madison Avenue Securities, AE Wealth Management LLC, Kalos Capital, and National Planning Corporation. He serves as a board member of The John & Ellen Moriarty Foundation, a charitable family foundation. Transce3nd LLC works with a diverse client base including individuals, foundations, trusts, estates, retirement plans, and charitable organizations. The firm employs a strategic asset allocation process informed by fundamental, technical, and quantitative analysis, often implementing portfolios through third-party model and money managers via AE Wealth Management’s platform.

Steven Cartwright is a CFP® professional with 29 years of experience in the financial services industry. He is currently affiliated with Per Stirling Capital Management, LLC, B.B. Graham & Co., Inc., and Per Stirling Private Wealth, serving in various advisory and client relationship roles since 2023. His prior experience includes positions at Charles Schwab & Co., Inc. and Charles Schwab Bank from 2007 to 2019, among others. Per Stirling Capital Management is an SEC-registered advisory firm that manages approximately $1.39 billion for nearly 1,000 clients, including individuals, high-net-worth households, trusts, estates, and select institutions. The firm provides discretionary investment management and financial planning services, employing a blend of fundamental, technical, cyclical, and statistical analysis to create tailored portfolios.

Ronsey Chawla is a CFP® and Series 65-licensed advisor with 14 years of experience at Per Stirling Capital Management, LLC in Austin, TX. He serves as an instructor at a personal finance summer camp aimed at teaching children about finance and is a presenter for the Texas Association of Otolaryngology. Per Stirling Capital Management provides discretionary investment management, financial planning, and consulting to individuals, high-net-worth clients, trusts, estates, charitable organizations, and select business entities. The firm manages approximately $1.566 billion using a combination of fundamental, technical, and statistical investment analysis, offering tailored portfolios and proprietary model strategies.

Jennifer Taylor is a financial advisor with Transce3nd LLC, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her prior roles include positions at Madison Avenue Securities and Kalos Management. Outside of her advisory work, she owns an indoor baseball and softball training facility where she oversees coaching staff and handles bookkeeping. Transce3nd LLC serves a diverse client base including individuals, foundations, and institutions, offering investment management, financial planning, and retirement plan consulting. The firm employs a strategic asset allocation process using fundamental, technical, and quantitative analysis, and utilizes third-party model managers through AE Wealth Management’s platform.

Michael Moore is a CFP®-certified financial advisor with eight years of industry experience. He is affiliated with Per Stirling Capital Management, LLC and B.B. Graham & Company, Inc. Moore has held roles at Spicewood Oaks Advisors, Securities America, and Couch Hallum Financial Group. Per Stirling Capital Management is an SEC-registered firm serving individuals, high-net-worth households, trusts, estates, and select institutions with discretionary investment management and comprehensive financial planning. The firm employs a multi-advisor approach that integrates fundamental, technical, cyclical, and statistical analysis to manage approximately $1.39 billion in client assets.

Eric Lian is a financial advisor at Per Stirling Capital Management, LLC with eight years of industry experience. He holds a Series 66 designation and has previously worked at Centric Advisors, LLC, Equity Services, Inc., and Schlumberger Technology Corporation. In addition to his advisory role, he is an insurance agent involved in the sale of fixed and term insurance products through B.B. Graham & Co. Inc. Per Stirling Capital Management is a multi-advisor SEC-registered firm managing approximately $1.39 billion for nearly 1,000 clients. The firm serves individuals, high-net-worth households, trusts, estates, and select institutions, offering discretionary investment management alongside financial planning and consulting services. Their investment process combines fundamental, technical, cyclical, and statistical analysis to construct portfolios tailored to various objectives.

Sean O'Riordan is a financial advisor at Kestra Private Wealth Services, LLC with 13 years of industry experience. He holds the CFP®, CFA®, and Series 66 designations. Prior to joining Kestra, he worked at Morgan Stanley Private Bank and Morgan Stanley for a combined total of over 10 years. Outside of his advisory role, he is the owner of TIGHT LINES FINANCIAL MANAGEMENT, LLC, a tax entity. Kestra Private Wealth Services provides investment advisory services through a network of independent advisors and multi-advisor teams, managing approximately $13.45 billion in client assets across 208 advisors. The firm offers access to a wide range of investment products and platforms, serving both individual and institutional clients with discretionary and non-discretionary arrangements.

Zachary Baughman is a financial advisor with 49 Financial in Austin, TX. He holds the Series 65 designation and has experience working in mergers and acquisitions, as well as academic positions at the Orfalea College of Business and California Polytechnic Institute. 49 Financial serves a diverse client base including individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm offers financial planning, investment management, consulting, and tiered fractional family office services, employing a disciplined, long-term diversified asset allocation approach grounded in Modern Portfolio Theory.

Jaelyn Grimm is a financial advisor with 49 Financial in Austin, TX. She holds a Series 65 credential and has been with 49 Financial since 2024. Prior to her current role, she worked at Lifetime Fitness and Nordstroms, and she attended Anderson University from 2020 to 2024. 49 Financial is a multi-team firm serving a diverse client base including individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm offers financial planning, investment management, consulting, and tiered fractional family office services, employing a disciplined, long-term approach to diversified asset allocation using proprietary and platform model portfolios.

Mason Vrazel is a financial advisor at Per Stirling Capital Management, LLC with four years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Charles Schwab & Co., Inc., Park Avenue Securities, and Guardian Life Insurance Company. Outside of advisory roles, he has experience in the coffee and restaurant industries. Per Stirling Capital Management, LLC provides discretionary investment management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and select businesses. The firm employs a team-based approach that combines fundamental, technical, and statistical methods to manage portfolios aligned with clients’ objectives and risk tolerance.

Betty Arias is a CFP® credentialed advisor with 37 years of industry experience. She has been with Waterloo Capital since 2018 and previously worked at Raymond James & Associates for five years. Arias is also a partner and advisor with MAM Group LLC dba AMG Wealth Advisors, where she manages client assets. Waterloo Capital is an SEC-registered multi-team adviser serving entrepreneurs, high-net-worth individuals, trusts, and retirement plans, managing approximately $2.26 billion across 2,600 clients. The firm emphasizes customized portfolios using fundamental analysis and a long-term, buy-and-hold approach, complemented by access to third-party sub-advisers and a broad range of investment tools.

Hayden Baker is an investment advisor representative at 49 Financial in Austin, TX, with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked with firms including Oakwood Capital Securities and Purshe Kaplan Sterling Investments. Outside of his advisory role, Baker serves as a head coach and offensive coordinator for a youth lacrosse team in Austin and is involved in charitable work referring nonprofits to 25 Giving for donor charitable planning. 49 Financial serves a diverse client base, providing financial planning, investment management, consulting, and family office services. The firm employs a disciplined, long-term, diversified asset allocation strategy using model portfolios primarily composed of mutual funds and ETFs, supported by active oversight of sub-advisers and third-party platforms.

Girish Navare is a CFA® charterholder and financial advisor at Kestra Private Wealth Services, LLC with 11 years of industry experience. His prior roles include positions at Morgan Stanley and Bank of America. Outside of his primary advisory work, he serves as Director of Investment Strategies at Eagle Harbor Advisors, focusing on portfolio management and investment due diligence, and is involved with Eagle Harbor Insurance, offering fixed insurance solutions. Kestra Private Wealth Services provides investment advisory services through a network of independent advisors and multi-advisor teams, serving individuals and institutional clients. The firm manages a broad range of assets and offers diverse investment products and specialized services while overseeing advisor recommendations within an approved platform.

Joshua Huard is a financial advisor with Transce3nd LLC, holding a Series 66 license and nine years of industry experience. His prior roles include positions at Kalos Management, Kalos Capital, National Planning Corporation, and APU Partners, where he has also engaged in case design, client services, and insurance and fixed annuity sales. He is a minority owner and Investment Advisor Representative at Transce3nd and serves as a case design and operations specialist for related entities. Transce3nd LLC serves a diverse client base including individuals, foundations, trusts, and retirement plans, offering discretionary and non-discretionary investment management, financial planning, and consulting services. The firm utilizes a strategic asset allocation approach supported by fundamental, technical, and quantitative analysis, implementing portfolios primarily through third-party models and money managers.