Eric Bremer is a financial advisor with USAA Investment Services Company, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His previous roles include positions at CITIGROUP and Frost National Bank. He is based in San Antonio, TX. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm delivers a Retirement Income Strategy Report and facilitates referrals to third-party advisers rather than managing client assets directly.

Patrick Robertson is a financial advisor at Kovack Advisors, Inc. with nine years of industry experience. He holds Series 63 and Series 66 licenses and has held positions at several firms including MML Investors Services, MassMutual Life Insurance Company, Pruco Securities, Prudential Insurance Company of America, and New York Life Insurance Company. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients, employing a risk-based investment process supported by both proprietary models and third-party managers.

Kyle Snyder is a financial advisor with Frost Investment Services based in San Antonio, TX, holding a Series 66 designation and seven years of industry experience. He previously worked at firms including Stifel Nicolaus & Co Inc and Fidelity Brokerage Services LLC. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with about 179 advisors managing approximately $3.7 billion in client assets and is notable for its affiliation with a banking institution.

James Laughlin is a financial advisor with USAA Investment Services Company, holding a Series 66 designation and 12 years of industry experience. His career includes roles at several USAA affiliated entities, including USAA Life Insurance Company and USAA Financial Planning Services. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and the general public. The firm emphasizes retirement income planning and refers clients to Charles Schwab for investment products, operating as a referral intermediary rather than a portfolio manager.

Bryan Hicks is a financial advisor at Hilltop Securities Inc. in San Antonio, TX, holding Series 63 and Series 66 licenses with 26 years of industry experience. His prior roles include positions at Edward Jones and Charles Schwab, where he worked for over a decade. Hilltop Securities Inc. provides brokerage, advisory, and retirement-plan consulting services to individuals, corporations, nonprofits, and institutional clients. The firm offers a range of portfolio management programs and uses an open-architecture platform with multiple investment strategies and operational features that include municipal bond strategies and custody capabilities.

Michael Macias is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Frost Brokerage Services, CUSO Financial Services, NYLIFE Securities, New York Life Insurance Co, Texas Veterans Security, and Our Lady of the Lake. Outside of his advisory work, he is involved in managing rental properties. Frost Investment Services serves individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with a banking affiliation, managing approximately $3.7 billion in client assets through around 179 advisors.

Regina Garza is a financial advisor at Frost Investment Services with three years of industry experience. She holds a Series 66 designation and has previously worked at Frost Bank and the University of Texas - Rio Grande Valley. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and various managed account programs, utilizing a combination of proprietary and third-party investment strategies through the Fidelity Managed Account Xchange platform.

Mark Itnyre is a CFP® professional with 22 years of industry experience, currently serving at Frost Investment Services since 2017. His prior roles include positions at Frost National Bank and Frost Brokerage Services Inc. based in San Antonio, TX. Frost Investment Services is an SEC-registered adviser that provides discretionary portfolio management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm uses the Fidelity Managed Account Xchange platform to implement client portfolios, combining model portfolios with third-party managers, and offers research-driven investment strategies along with optional tax and ESG overlay services.

Daniel Kim is a financial advisor with USAA Investment Services Company in San Antonio, TX, holding a Series 66 designation and 20 years of industry experience. His prior work includes roles at Wells Fargo Clearing Services and J.P. Morgan Securities, as well as extensive tenure within various USAA-affiliated entities. USAA Investment Services Company primarily serves USAA members and individual investors by providing retirement-focused advice and referral services. The firm offers guidance on retirement savings, asset allocation, risk tolerance, and income planning, operating chiefly as a referral intermediary rather than managing client assets or portfolios.

Julie Gerron is a CFA® charterholder and holds a Series 65 license with five years of industry experience. She currently works at Sendero Wealth Management, LLC and Sendero Securities, where she serves as General Counsel and Chief Compliance Officer. Her prior experience includes nearly two decades at Westwood Holdings Group, Inc. She is based in San Antonio, TX. Sendero Wealth Management provides comprehensive wealth management and investment advisory services primarily to high-net-worth individuals, multi-generational families, and select institutions, focusing on clients with $3 million or more in investable assets. The firm employs a structured guidance process and uses both active and passive strategies, with a notable emphasis on alternative investments and complex wealth needs.

Dennis Janysek is a financial advisor at Frost Investment Services with 30 years of industry experience. He holds the Series 63 designation and has worked at Frost Brokerage Services, Inc. since 1996 and Frost National Bank since 1987. Frost Investment Services provides investment advisory and portfolio management services to individual and corporate clients, including high-net-worth households. The firm operates as an enterprise advisory platform with a banking affiliation and manages approximately $3.7 billion in client assets through a team of around 179 advisors.

Jason Santowski is a financial advisor at Frost Investment Services in San Antonio, TX, holding Series 65 and Series 63 licenses with nine years of industry experience. He previously worked at Wells Fargo Bank NA for 15 years before joining Frost in 2026. Frost Investment Services serves individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management through an enterprise platform with approximately 179 advisors managing about $3.7 billion in assets. The firm is noted for its affiliation with a banking institution, which influences its referral, custody, and compensation arrangements.

Thomas Yager is a financial advisor at Sendero Wealth Management, LLC with 11 years of industry experience. He holds the ChFC® designation and Series 66 license. His prior experience includes multiple roles at Capital Group and American Funds from 2015 to 2025. Sendero Wealth Management is a partner-led registered investment adviser serving high net worth individuals, families, endowments, and institutions, typically those with $3 million or more in investable assets. The firm employs an open-architecture investment approach combining strategic asset allocation, active and passive strategies, and alternative investments, supported by ongoing manager due diligence and a sub-advisor program.

Michael Brell is a CFA® charterholder with seven years of industry experience, currently serving at Frost Investment Services. He has worked in various capacities within the Frost organization since 2002, including roles at Frost Bank and Frost Investment Advisors, LLC. Frost Investment Services provides investment advisory and portfolio management services to individual and corporate clients, managing approximately $3.7 billion in assets across its enterprise platform of nearly 180 advisors. The firm is notable for its affiliation with a banking institution and its focus on percentage-of-assets compensation models.

Robert Malina is a financial advisor at Frost Investment Services with 10 years of industry experience. He holds a Series 63 designation and has worked at Frost Bank and Frost Brokerage Services Inc since 2014 and 2015, respectively. Outside of his advisory role, he serves on the board and finance committee of Austin Explore, a philanthropic organization. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs, utilizing a multi-manager platform and incorporating fundamental, technical, and cyclical research.

Mark Travis is a financial advisor with Hilltop Securities Inc. in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He previously worked at SWBC Investment Services for 12 years before joining Hilltop Securities in 2023. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to individuals, corporations, nonprofit, and institutional clients. The firm manages approximately $2.25 billion in assets and offers a range of portfolio management programs through an open-architecture platform that includes adviser-managed and model-based solutions.

Frederick Middleton is a financial advisor at Sendero Wealth Management, LLC in San Antonio, TX, holding Series 63 and Series 65 licenses with 59 years of industry experience. He has been with Sendero and its affiliated entities since 2007. Outside of his advisory work, he has partial ownership in Los Amigos Ranch, a family ranch in Yancy, Texas. Sendero Wealth Management is a partner-led registered investment adviser serving high net worth individuals, families, endowments, and institutions, generally focusing on clients with $3 million or more in investable assets. The firm manages approximately $5.8 billion in assets and offers investment management, family office and foundation services, and multi-generational legacy planning through an open-architecture model combining strategic asset allocation, active and passive strategies, and alternative investments.

Toma Tomov is a financial advisor at Frost Investment Services with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Frost Brokerage Services, PNC Investments, and BBVA Wealth Solutions. Frost Investment Services is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs using a combination of model portfolios and third-party managers on the Fidelity Managed Account Xchange platform.

Craig Miller is a CFP® professional with 28 years of experience in the financial services industry. He has been with Frost Investment Services since 2017 and has prior experience at Frost National Bank and Frost Brokerage Services. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs, implementing portfolios through the Fidelity Managed Account Xchange platform with a combination of proprietary and third-party investment strategies.

Cody Evans is a CFP® and CFA® with nine years of industry experience, currently serving at Frost Investment Services in San Antonio, TX. His prior roles include positions at Fidelity Investments, CitiGroup, Charles Schwab, and JPMorgan Securities LLC. Evans holds the Series 66 designation. Frost Investment Services provides investment advisory and portfolio management to individual clients, including high-net-worth households, as well as corporate and business clients. The firm operates as an enterprise advisory platform affiliated with a banking institution, overseeing approximately $3.7 billion in client assets across 179 advisors.