Luz Velasquez is a financial advisor at PNC Wealth Management with 16 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, Bank of America, Merrill, and BBVA Wealth Solutions. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an employee-only pilot that uses algorithmic risk assessment and primarily invests in mutual funds and ETFs with annual rebalancing.

Oscar Gutierrez is a financial advisor with Transamerica Financial Advisors in Houston, TX, holding Series 63 and Series 65 licenses and with 24 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has prior experience with Wfg dating back to 2001. Additionally, Gutierrez operates a separate business as a certified trainer specializing in personal leadership. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individuals, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers across multiple platforms, managing approximately $1.7 billion in regulatory assets under management.

Joseph Webster is a CFP® credentialed financial advisor with five years of industry experience. He currently works at Cetera Planning Partners and has held roles at several affiliated firms including Cetera Wealth Services and Avantax. Webster is also involved with BCOR Administrative Services LLC, where he focuses on client service and collaboration with CPAs. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm integrates tax planning, bookkeeping, payroll support, and estate-planning services within a diversified, document-driven investment process supported by a broad Cetera network.

Travis Rhoad is a CFA® charterholder and holds a Series 65 license with 12 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, having previously worked at Trippon Wealth Management Group LLC for 13 years. Outside of his advisory role, he is also licensed to sell life and health insurance. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active managers, overseen by an internal Investment Committee.

Juan Montoya is a financial advisor at PNC Wealth Management with 13 years of industry experience. He holds a Series 66 designation. His prior work history includes roles at Bank of America, Merrill Lynch, and J.P. Morgan Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an employee-only digital discretionary model account that uses algorithmic risk assessment and implements approved model strategies via mutual funds and ETFs.

Martin Ferguson is a financial advisor with Kestra Advisory, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Kestra Advisory since 2018, previously serving at Kestra Investment Services and Investment Professional Inc. Ferguson is also an owner of Kestra Advisory Services, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and advisor-managed accounts, supporting its clients with due diligence across a variety of investment solutions.

Timothy Harden is a financial advisor with PNC Wealth Management in Houston, TX, holding Series 63 and Series 66 licenses and 11 years of industry experience. Prior to joining PNC Wealth Management and PNC Bank in 2026, he worked at JPMorgan Securities LLC from 2014 to 2025 and JPMorgan Chase Bank NA from 2012 to 2021. He also spent a year homemaking from 2025 to 2026. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution currently available as an invitation-only pilot for PNC Bank employees. The firm uses approved model strategies executed via mutual funds and ETFs with algorithm-driven risk assessment and annual rebalancing.

Douglas Garrison is a CFP® professional with 15 years of industry experience, currently serving at Cerity Partners LLC since 2022. Prior to this, he spent over a decade with Investec Asset Management Group, Inc. and Investec Wealth Strategies. He holds a Series 65 license and is based in Houston, TX. Cerity Partners advises a diverse client base including high-net-worth individuals, families, trusts, and institutional investors, managing approximately $166.2 billion in client assets as of the end of 2025. The firm offers customized wealth management services through a client-specific investment framework that combines quantitative screening, manager selection, and direct security selection, along with access to alternative and private market solutions for qualified clients.

George Onami is a financial advisor with Transamerica Financial Advisors in Houston, TX, holding Series 65 and Series 63 credentials and having 12 years of industry experience. He also has an ongoing role in financial education with the Heartland Institute of Financial Education and provides IT consulting services through Technigee Consulting LLC. Onami has been affiliated with World System Builders and World Financial Group since 2003. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment models. The firm operates as both a registered broker-dealer and a registered investment adviser, providing diverse program options with discretionary and non-discretionary management.

Russell Appelget is a financial advisor with Transamerica Financial Advisors, holding Series 63 and 65 licenses and bringing 24 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and also works with WealthWave. In addition to his advisory role, he serves as a director for the Harris County Municipal Utility District 264 and teaches a personal finance course at Prairie View A&M University. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm provides access to proprietary and third-party investment models with discretionary and non-discretionary program options.

Shawn Quiggins is a financial advisor with VOYA Financial Advisors, Inc. in Spring, TX, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His career includes multiple tenures at Voya Financial Advisors, as well as a year at AXA Distributors, LLC. Outside of his advisory role, he coaches high school lacrosse for Concordia Lutheran High School. VOYA Financial Advisors, Inc. is an enterprise-scale firm serving individual and institutional clients with services including financial planning, portfolio management, and retirement advisory. The firm employs a combination of in-house and third-party strategies, offering both discretionary and non-discretionary account management through a large network of advisors.

Carrie Westfall is a financial advisor with TLG Advisors, Inc. in Houston, TX, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior work includes roles at The Leaders Group Inc and Invesco Advisers, Inc. She also manages marketing and communications for Elite Insurance Agency Inc. TLG Advisors serves a diverse client base, including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and portfolio monitoring using fundamental analysis and Modern Portfolio Theory, offering both customized advisory services and a direct-to-consumer digital program.

Pardis Ferdosi is a CFP® professional affiliated with Cetera Planning Partners with three years of industry experience. Prior to joining Cetera, Ferdosi held roles at Avantax and Citizens Securities, among other firms. In addition to financial advising, Ferdosi works as an independent health agent with United Healthcare, assisting clients in comparing and selecting health insurance policies. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and retirement-related advice. The firm emphasizes diversified portfolios aligned with client objectives and integrates various affiliated resources and ancillary services such as tax planning and estate strategy.

Nicholas Low is a financial advisor at Hightower Advisors with 17 years of industry experience. He has held previous roles at STA Wealth Management, LLC and J.P. Morgan Securities. He holds the Series 66 designation and is based in Houston, TX. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles and strategies.

Charles Wright is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked with United Planners, Trilogy Wealth Management, and Charles Christopher Wright since 2008, and previously was employed at Garlock Sealing Technologies for eight years. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, trusts, and institutional clients. The firm provides advisory and brokerage services through independent representatives and employs multiple custodians and third-party managers, with most assets managed on a non-discretionary basis.

April Perez is a financial advisor with RBC Rochdale, LLC, holding Series 63 and Series 65 licenses and has 21 years of industry experience. Her prior work includes roles at RIM Securities and UBS Financial Services. RBC Rochdale serves a diverse range of clients, including high net worth individuals, institutions, and municipal entities. The firm employs a multi-strategy investment process combining quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes.

Meredith Mckinley is a financial advisor at Hornor, Townsend & Kent, LLC with 15 years of industry experience. She holds the ChFC® designation and Series 63 license. Prior to joining Hornor, Townsend & Kent in 2026, she worked at Eagle Strategies (NY Life), NYLIFE Securities LLC, and New York Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad advisory platform that includes third-party asset manager relationships and offers both discretionary and non-discretionary account options. The firm combines advisory programs with broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Jitendra Worah is a financial advisor with Transamerica Financial Advisors in Houston, TX, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with firms including WealthWave and S&B Engineers and Constructors Ltd. Outside of advisory work, he serves as an election official for Harris County and is a board member of the Harris County Municipal Utility District #118. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base that includes individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory strategies and operates an integrated retirement plan ecosystem through affiliated entities.

Dennis Lambert is a financial advisor with Concurrent Investment Advisors, LLC in Houston, TX, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling, RBC Capital Markets, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and UBS Financial Services. Outside of advisory work, he serves as Treasurer and board member of the Texas Ranger Association Foundation and is President of Caballo Rojo Ranch, LLC, a livestock advertising and publication business. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm that serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by internal due diligence, strategic asset allocation, and integrated operational tools.

Roberto Aburto Jr. is a financial advisor at Fifth Third Securities, Inc. with 16 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. His previous roles include positions at Frost Bank, GWFS Equities, Farmers Financial Solutions, JPMorgan Securities LLC, JPMorgan Chase Bank, and Wells Fargo Investments. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, trusts, and retirement accounts through both investment advisory and brokerage services. The firm offers multiple program types and third-party portfolio managers via the Passageway Managed Account Program, providing options from mutual fund and ETF models to separately managed accounts with tax-overlay and direct indexing strategies.