Ron Toth is a financial advisor with Morgan Stanley in The Woodlands, TX, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in an investment-related estate business in Spring, TX. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients. The firm focuses on tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

David Skilton is a financial advisor with Raymond James & Associates in The Woodlands, TX, holding Series 65 and Series 63 licenses and possessing seven years of industry experience. His prior roles include positions at BBVA, JPMorgan Securities, and Mutual of Omaha. Outside of his advisory work, he and his wife manage Skilton Household LLC, a business established to oversee household contractors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and public entities. The firm offers financial planning and non-discretionary investment consulting, drawing on various portfolio management styles supported by affiliated research and model managers.

Pamela Tipton is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and bringing 15 years of industry experience. She previously worked at Edward Jones for 14 years before joining Woodforest National Bank and Woodforest Wealth in 2025, where she also serves as a financial advisor. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored non-discretionary planning and consulting using risk profiling and analytical modeling and supports a large network of advisors and affiliated firms.

Anibal Miatello is a Senior Financial Advisor with Merrill Lynch Wealth Management in The Woodlands, Texas. He collaborates with clients to define, pursue, and achieve their significant financial goals, offering guidance that helps clients make informed decisions and avoid costly errors. His approach emphasizes understanding each client's unique circumstances and priorities to develop personalized wealth management strategies. Anibal brings extensive experience to his role, having joined Merrill Lynch in 2014. Before this, he served as a Private Client Banker at J.P. Morgan Chase & Co for six years, advising high net worth clients on strategic financial solutions, and spent three years as a financial analyst in Chevron Corporation's Supply Chain Management Group. He holds FINRA Series 6, 7, 63, and 66 registrations and earned a bachelor’s degree from the University of Phoenix with dual focus in accounting and finance, supporting his analytical and numerical expertise. Fluent in English, Spanish, and Portuguese, Anibal is supported by a multidisciplinary team to deliver personalized service and long-term client relationships. He is married with three children and dedicates time to the American Cancer Society. His personal interests include fishing, photography, and traveling with family and friends.

Isaac Noble is a Series 66-registered advisor at J.P. Morgan Securities with one year of experience in his current role. He has been with JPMorgan Chase Bank, N.A. since 2018 and previously worked at Shelby Savings Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program.

Carson Nix is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and with 21 years of industry experience. He has been with Ameriprise since 2016, including six years at Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Lex Shinn is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Bank of America, N.A. since 2012 alongside his role at Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2011. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Helmer is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2005 to 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Julianne Canterbury is a financial advisor with Morgan Stanley in The Woodlands, TX, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has worked at various Morgan Stanley entities since 2007. Outside of her advisory role, she has participated as a volunteer in county polling activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including Monte Carlo simulations as part of its financial planning process.

Negin Elmi is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. She previously worked at Bank of America from 2019 to 2022 and has been with Fidelity since 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manages a range of discretionary and non-discretionary advisory services.

Edwin Decker is a financial advisor at Raymond James Financial with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodforest Financial Group and Wentzler & Decker Wealth. Outside of his advisory role, he is the president and owner of Lontex 14 LLC, a franchise territory operator under VetCor of Brazos Valley. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs non-discretionary planning tailored to client goals and supports municipal finance work through a unique affiliation with a municipal advisor.

Collin Knapp is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior work includes positions outside of finance such as with Longhorn Steakhouse and Trusted Capital Group. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining scale with an integrated service model.

Makanjila De Almeida is a financial advisor at Edward Jones in Conroe, TX, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Mass Mutual, Bank of America, Merrill, Target, and Banco Angolano de Investimentos. He has had multiple tenures at Edward Jones, most recently since 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services under a fiduciary standard, supported by a nationwide network of financial advisors and branch offices.

Catherine Abbruscato is a financial advisor with Equitable Advisors, holding a Series 66 designation and 16 years of industry experience. She has worked at Equitable Advisors since 2010 and was previously associated with Axa Advisors, LLC. Abbruscato is also the president of ACRN Wealth Management, LLC. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary and third-party advisory models delivered through a network of Investment Adviser Representatives.

Anne Spinks is a ChFC® professional with 41 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2009. She has operated her own independent insurance agency since 1995. Additionally, Ms. Spinks serves as an elder and committee member at First Presbyterian Church of Conroe. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to proprietary model strategies and third-party advisers.

Juan Henao is a financial advisor at Thrivent Investment Management in The Woodlands, TX, holding Series 63 and Series 65 licenses with two years of industry experience. His work history includes positions at Thrivent Financial and SerUP, as well as a role at Universidad de San Buenaventura. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs while keeping services distinct.

Theresa Printy is a financial advisor at UBS Financial Services with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Lisa Wells is a financial advisor with UBS Financial Services in The Woodlands, TX, holding a Series 66 designation and 26 years of industry experience. She previously worked at Morgan Stanley for five years and Merrill for 21 years. Outside of her advisory role, she manages rental real estate properties. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research to tailor client strategies.

Wesley Blankman is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2011. He partners with clients to develop comprehensive financial plans focused on preparing for and transitioning through retirement years. His approach involves understanding each client's unique circumstances and working collaboratively to create and implement individualized action plans based on their needs, preferences, and timelines. Wesley's experience at Fidelity Investments includes roles as Financial Consultant from 2014 to 2018, Investment Representative from 2012 to 2014, and Private Client Specialist from 2011 to 2012. Prior to joining Fidelity, he worked as a Senior Associate Consultant at BancVue, Ltd from 2008 to 2011. Outside of his professional work, Wesley enjoys biking, camping, family activities, golf, motorcycles, and parenthood.

Jonathan Rodriguez is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Ameritrade, Ameriprise, LPL Financial, and Chase Investment Services. Outside of his advisory role, he owns a construction and handyman business specializing in residential and commercial projects. Charles Schwab 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 investment guidance and access to discretionary separately managed accounts, supported by a large scale and integrated operational structure.