Kirk Lippert is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Clear Lake, Texas, where he has served clients for 18 years. He brings a comprehensive approach to wealth management, focusing on personalized strategies that align with clients’ long-term financial goals. His areas of expertise include education planning, retirement income, philanthropic planning, investment consulting for defined contribution plans, tax minimization, and portfolio management services. Kirk emphasizes collaboration with clients to develop flexible strategies responsive to evolving market conditions, leveraging the resources of Merrill and Bank of America. Kirk’s professional background spans over two decades as a Certified Public Accountant, a credential he earned in 1983 following his graduation from the University of Kansas with a Bachelor of Science degree in Accounting and Business Administration. His accounting career and global experiences—in Saudi Arabia, Lebanon, and The Netherlands—inform his advisory approach. He holds several financial designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in professional and community initiatives, Kirk is a member of the Texas Society of Certified Public Accountants and has contributed leadership through roles such as Chairman of the Houston Chapter of CPAs Bay Area Satellite Group and participation on the City of Friendswood Texas Community & Economic Development Committee. Outside his professional life, Kirk enjoys baseball, golfing, and spending time with his family.

Zachary Greer is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and beginning his industry career in 2025. Prior to entering the financial services field, he worked in education at several schools from 2013 to 2022. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies and discretionary separately managed accounts, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Edmund Hollub IV is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 63 and Series 65 credentials. Outside of financial advising, he has been involved with Modern Plumbing for over 15 years and participates in sales of home security, automation products, and loan products through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors alongside corporate and charitable clients. The firm employs model-based strategies and operates at scale with thousands of advisors and billions in assets under management.

Kyle Mather is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works closely with clients to simplify financial complexities and develop personalized strategies aimed at achieving lasting financial success. His approach focuses on empowering clients to make confident, informed decisions aligned with their financial goals. Prior to his current position, Kyle held multiple roles at Fidelity Investments, including Investment Consultant, Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate, gaining a breadth of experience in investment and client relationship management. In 2022, he also worked as an Insurance Agent at LionHeart Advisers. In his personal time, Kyle engages in activities such as family-related events, fitness, military service, caring for pets, reading, and traveling.

Ryan Greer is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he is involved in business activities including part-ownership in entities formed for Primerica-related purposes and receives compensation related to loan product sales and home security services referrals. Primerica Advisors is a discretionary portfolio manager that primarily serves individual investors, as well as corporate and charitable clients. The firm operates at scale, managing approximately $15.5 billion in assets through model-based investment strategies supported by third-party asset managers and custodians.

Mark Hetzer is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing six years of industry experience. His prior roles include positions at Bank of America, Merrill, and JP Morgan Chase Bank. Before entering finance, he worked in marketing and sports medicine. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Sinclair is a Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he focuses on understanding clients' situations, priorities, and goals to develop strategies that help them work toward achieving those objectives. Prior to joining Fidelity, he worked as a Financial Advisor at Equitable from 2020 to 2021. John holds insurance licenses in Arkansas and California.

Matthew Legg is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Bank of America and held positions in various retail and service roles. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Britt Ester is a financial advisor with Ameriprise in Dickinson, TX, holding a Series 66 designation and 18 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she is employed at DGW Worldwide, LLC, where she manages an advisory business. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, providing detailed Recommendation Reports that address income, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary retirement recommendations, supported by a centralized consulting team.

David Wilson is a financial advisor with Ameriprise in Friendswood, TX, holding a Series 66 credential and with 25 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is involved in managing his own business, DGW Worldwide, LLC. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Jacob Morgen is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to this, he had roles at Neghbors Health and Eviro-Pest Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory services through a large network of financial advisors and branch offices nationwide.

Samuel Collins III is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Securities America Advisors, Inc. and Investacorp Advisory Services. Outside of his advisory role, he serves as an associate minister at Greater St. Matthews Baptist Church and is involved in community events and historical speaking through his sole proprietorship, Wild Lion Productions. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm utilizes asset allocation tools and third-party platforms to construct portfolios with various investment types, catering to both discretionary and non-discretionary accounts.

Joshua Guardado is a Financial Consultant who focuses on building and maintaining strong client relationships by acting as their advocate. He aims to provide peace of mind by helping clients develop robust financial plans over time. Joshua has held several roles in the financial industry, including Investment Consultant at Fidelity Investments from 2024 to 2025, Wealth Management Banking Specialist at Merrill Lynch from 2022 to 2024, and Relationship Banker at J.P. Morgan Chase from 2021 to 2022. Outside of his professional work, Joshua has interests in cars, football, military service, motorcycles, music, and soccer.

Scott Shea is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Gary Morgan Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and over 31 years of industry experience. He worked at LPL Financial from 2005 to 2024 before joining Raymond James. Outside of his advisory roles, he is involved as a professor at Keystone Aviation and serves as a financial advisor and partner at Keystone Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized programs for municipal finance and employer advisory services.

Joshua Nuss is a financial advisor with Edward Jones in Dickinson, TX, holding a Series 66 designation. He has one year of industry experience, having spent over two decades at Albertsons Companies prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of advisors and branch offices.

Robert Mcdonald Jr. is a financial advisor at Ameriprise with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Erica East is a financial advisor with Merrill in Houston, TX, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party investment teams for a diverse client base including individuals, high-net-worth clients, and institutions.

Charles Bocock is a financial advisor at Ameriprise in Webster, TX. He holds a Series 66 designation and has been in the industry since 2025. Prior to his advisory career, he worked for H-E-B Grocery Company LP for seven years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.