Emilio Lira is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and Waddell & Reed. Outside of advisory roles, he has been involved in insurance sales and has owned a guest house rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Peter Tijerina is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Primerica Advisors since 2016 and has worked with Primerica Financial Services since 2013. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm focuses on tiered wrap-fee solutions and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Carl Thorson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Raymond James, Merrill, Citigroup, and USAA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a dedicated team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Noah Minica is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he was involved with Doubletake Archery LLC. 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 support its recommendations.

Guy Floyd III is a financial advisor at Osaic with two years of industry experience. He holds a Series 66 credential and previously worked at Platinum Wealth Solutions and AXA Advisors. Floyd is involved with Platinum Wealth Solutions of Texas, LLC, where he engages in sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with access to multiple platforms and third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Erica Licon is a Planning Consultant at Fidelity Investments. In this role, she works with clients to assist them in pursuing their financial goals, leveraging the resources available at Fidelity. Erica emphasizes building long-term relationships by recognizing the unique circumstances and needs of each client. Her professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as Financial Advisor and Office Assistant positions at Thrivent Financial. These roles have contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Erica enjoys family activities, golf, movies, soccer, and traveling.

Seth Jutz is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds Series 63 and Series 66 credentials and has been in the financial industry since 2023, with prior experience at firms including Northwestern Mutual and Capitol Wealth Strategies. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Cristy Rivera Romero is an Investment Consultant at Fidelity Investments, where she has been employed since 2025. Prior to this role, she served as a Financial Representative at Fidelity Investments from 2024 to 2025. She began her financial services career as a Relationship Banker at Bank of America from 2023 to 2024. Cristy focuses on partnering with clients to develop tailored financial strategies and plans that provide clarity, direction, and purpose for their financial futures.

Alan Davidson is a financial advisor at LPL Financial with 43 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Ameriprise Financial Services, H&R Block Financial Advisors, Sigma Financial Corporation, and Spc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kelly Compton is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 25 years of industry experience. Prior to joining LPL Financial in 2024, Compton operated Kelly Compton Investments, LLC for over a decade and spent 12 years at WCM Wealth Management, LLC. Outside of advisory work, Compton is a business owner involved in a non-investment related venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology solutions to support diverse investment strategies.

Luke Le Croy is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2018 and 2021, respectively. His prior roles include positions at Creative Oklahoma, Texas A&M Department of Recreation, Sky Ranch Camps, and Texas A&M University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Howard Skillrud is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 63 designation and 29 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. and Ameriprise before joining LPL and Upstream Investment Partners in 2025. He serves as a board member for two children’s hospitals in San Antonio. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by LPL Research and third-party subadvisors.

Clint Harris Jr. is a financial advisor at Wells Fargo Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. His prior roles include positions at NewEdge Advisors, LPL Financial, and Bank of America. Harris serves as chairman of the board for Friends of LPB and holds leadership roles with several Louisiana public broadcasting nonprofit organizations. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to client needs, utilizing Wells Fargo research and tools, with optional implementation through its brokerage or advisory programs.

Pelham Staples is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His prior roles include positions at Frost Bank, Hightower Advisors, Bank of America, Merrill, and USAA Group. 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 applying an ESG eligibility framework in its investment process.

James Li is a Financial Consultant at Fidelity Investments, where he has been working since 2025. He has been involved in various roles at Fidelity Investments since 2021, including positions as Workplace Planning Consultant I and II, and Regional Center Financial Representative. Throughout his career, James has focused on creating comprehensive financial plans tailored to clients' unique goals, aiming to provide clarity and direction for those seeking dedicated financial advice. James partners with clients to support them in building, protecting, and distributing their wealth. His approach involves helping clients navigate financial planning with a dedicated team to we work towards their objectives effectively. Outside of his professional responsibilities, James is interested in camping, cars, fitness, outdoor adventures, photography, and traveling.

Jacquelyn Baker is a financial advisor with LPL Financial in Boerne, TX, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, H. Beck, Inc., and Berkshire Equity Sales, Inc. Outside of her advisory role, she is involved in insurance-related business activities through several entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from various sources along with discretionary and non-discretionary management options.

Edward Tencza is a financial advisor with Fidelity Investments and holds Series 66 and Series 63 licenses. He has 22 years of industry experience, including prior roles at Aspect Wealth Management, XZA Works, and Odyssey Engines. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive activities such as commodity pool operation and advisory roles to multiple registered funds.

Jonathan Rigby is a financial advisor at Fidelity with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliates since 2011. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Louis Ortiz is a financial advisor with Merrill in San Antonio, TX, holding Series 65 and Series 66 licenses and two years of industry experience. Prior to Merrill, he worked at Bank of America and Guggenheim Partners, LLC, and has a background that includes military service with the U.S. Army. Outside of advisory work, Ortiz is president and a board member of the Shams Foundation, a nonprofit established with his wife's involvement, and owns Romantasy Letters, a subscription-based physical letter service. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individual, high-net-worth, pension, and charitable clients, supported by internal and third-party managers.

Steven Smith is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a large integrated structure serving hundreds of thousands of clients.