Mary Boul is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and possessing 37 years of industry experience. She has been with LPL Financial since 2005. Outside of her advisory role, she is involved in real estate rental activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Kristie Ramirez is a CFP® and holds a Series 66 license with nine years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Teresa Morris is a financial advisor at Cetera with 39 years of industry experience. She holds Series 63 and Series 65 designations and has been with Cetera and its affiliates since 2013. In addition to her advisory role, she has owned TDM Wealth Management, a financial services firm, since 2015 and has experience selling health and long-term care insurance. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporations, and institutional accounts, offering a variety of portfolio management and financial planning services. The firm operates a multi-manager platform with access to both affiliated and third-party managers, managing over $256 billion in assets across more than 10,000 advisors.

John Turner is a Certified Financial Planner (CFP®) with over 22 years of industry experience. He is currently an advisor at Cetera and has held roles at Turner Wealth Management and Avantax Advisory Services. He serves as chairman on the board of Sweet Success ATX, a nonprofit organization. Cetera Investment Advisers LLC supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients with a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Mitchell Morgan is a Series 66 licensed financial advisor with Wells Fargo Advisors in Texas City, TX, bringing two years of industry experience. Prior to joining Wells Fargo Advisors, he worked at Raymond James Financial and Raymond James Financial Services, Inc. He has also held roles outside the financial industry, including positions at the University of Houston and Gators Family Restaurant. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting certain net-worth criteria, utilizing proprietary research and tools to develop recommendations delivered through meetings and written summaries.

Justin Ponchak is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, he owns and operates Ponchak Management, LLC, a construction business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Jaime Garza is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has prior experience at Pruco Securities LLC and Modern Brokers of America. Garza is also employed at Shell Federal Credit Union as part of the Ameriprise Financial Team. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm delivers structured recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team.

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.

Stefanie Benesh is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2018, including seven years at Morgan Stanley Private Bank, N.A. Her prior experience includes positions at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s research.

Timothy Bonura II is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked with PFS Investments Inc. since 2010 and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in sales of loan products through Primerica Mortgage, LLC, and refers clients part-time for home security and automation services via a related affiliate. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-delivery strategies from third-party asset managers and supports trade execution and custody through Pershing, focusing on client advisory services rather than institutional portfolio management.

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.

Ty Pratt is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and six years of industry experience. Prior to joining Morgan Stanley in 2019, he was briefly with Kestra Financial, Inc. and worked for Caddo Parish Schools/Louisiana State University for ten years. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individuals and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and economic modeling.

Patrick Mc Donald is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill Lynch since 2010. He serves as President of the Board of Directors for CASA of Galveston County, a charitable organization. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.