Michael Richardson is the principal of Richardson Financial, Inc., an independent advisory firm based in New Braunfels, Texas. He holds Series 63 and Series 65 licenses and has 26 years of industry experience. Richardson has led Richardson Financial since its founding in 2011. Richardson Financial provides discretionary investment advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm manages diversified portfolios using a fee-only, asset-based model, offering Conservative, Income, and Growth strategies that incorporate fundamental and technical analysis as well as macroeconomic review.

Herbert Palm Jr. is the sole advisor at HMP Capital Management, LLC, holding a Series 65 license with 16 years of industry experience. He has worked at Dan A Hughes Company, LP since 2011 and founded HMP Capital Management in 2008. HMP Capital Management is a state-registered investment adviser that provides discretionary portfolio management to individual and high-net-worth clients. The firm focuses on customized equity, fixed-income, and special-situation strategies, employing leverage, margin borrowing, and derivatives within a performance-based fee structure.

Helping Business Executives, Military Veterans, and Young Professionals Build Lasting Financial Security and Financial Peace of Mind. Independent. Fee-Only. Fiduciary. Lifetime Financial Planners is a fiercely Independent, Fee-Only, Fiduciary, Financial Planning, Investment Management, Tax Planning advisory firm. We guide Executives, Military Veterans, and Young Professionals through a proven 7-Step Financial Planning Process. Personalized Financial Planning for Every Stage of Life A Personalized Financial Plan should coordinate every aspect of your financial life, and not treat each decision independently. Depending on your needs, your customized financial plan may include: • Cash Flow & Spending Planning • Investment Management • Multi-Year Tax Planning Strategies • Retirement Income & Distribution Planning • Executive Compensation & Equity Compensation Planning • Social Security Optimization Strategies • Insurance & Risk Management Planning • Liquidity & Credit Planning • Education Planning • Charitable Giving Strategies • Estate, Legacy & Family Wealth Planning By integrating each of these areas into one comprehensive strategy, we help ensure that every financial decision supports your long-term goals. Executive Compensation Planning For many business executives, compensation extends far beyond base salary. Stock Awards, Deferred Compensation Plans, and Executive Benefit Programs can create tremendous opportunities, but they also create significant tax complexity and financial planning decisions. Lifetime Financial Planners helps clients develop coordinated strategies for: • Restricted Stock Units (RSU) • Stock Appreciation Rights (SAR) • Nonqualified Stock Options (NQSO) • Incentive Stock Options (ISO) • Employee Stock Purchase Plans (ESPP) • Deferred Compensation Plans (DCP) • Net Unrealized Appreciation (NUA) • Concentrated Company Stock Why work with a Fee-Only CERTIFIED FINANCIAL PLANNER® professional? Anyone can call themselves a Financial Advisor, but not everyone is held to the Fiduciary Standard of Care. Independent, Fee-Only, Financial Planners combine advanced training, fiduciary ethics, and complete transparency to help you make confident financial decisions during every stage of life. Professional Credentials: Master of Science (M.S.) Degree in Personal Financial Planning CERTIFIED FINANCIAL PLANNER® Professional Chartered Retirement Planning Counselor (CRPC®) Austin & San Antonio, TX Metro Area & Nationwide

Omar Akhil is a financial advisor at Vaulkshire Investment Advisors with 12 years of industry experience. He holds a Series 65 designation and has been with Vaulkshire LLC since 2015. Outside of his advisory role, he owns Brainiac, LLC, a business focused on development, strategy, and tutoring, and is an investor and partner in Crave Market, LP, where he contributes to operations and strategy. Vaulkshire Investment Advisors is an independent registered investment adviser serving individual and high-net-worth clients, family offices, partnerships, and charitable organizations. The firm offers discretionary portfolio management alongside investment consulting, business planning, and financial consulting, employing a diversified investment approach that includes equities, fixed income, alternatives, and derivatives tailored to client objectives and market conditions.

Gregory Snider is the principal of Rufus Hayes Asset Management, LLC, operating as an independent advisor with 19 years of industry experience. He holds Series 63 and Series 65 designations and has been with Rufus Hayes Asset Management since 2017. He also manages NB Capital LLC and serves as a manager for Solms Landing Development LLC, a real estate development company based in New Braunfels, Texas. Rufus Hayes Asset Management provides discretionary asset management services to high-net-worth individuals, focusing on customized portfolio construction and wealth-preservation strategies. The firm employs fundamental analysis with selective technical analysis and manages accounts on a discretionary basis with regular reviews.

Sherry Neeley is a financial advisor at Authentikos Wealth Advisory LLC with three years of industry experience and holds a Series 66 designation. Prior to joining Authentikos in 2025, she worked at First Command Insurance Services and related entities from 2022 to 2025. Outside of her advisory role, she provides educational consulting as a Special Education Advocate for parents of special needs children. Authentikos Wealth Advisory LLC provides investment advisory and financial planning services primarily to individuals and retirement plans, with offerings that include discretionary portfolio management, written financial plans, and access to model-portfolio solutions implemented on a wrap-fee platform. The firm customizes portfolio allocations based on clients’ goals and risk tolerances using fundamental, cyclical, and technical analysis across a broad range of investments.

Heather Dorrestijn is a financial advisor at First Fidelity Wealth Management LLC in New Braunfels, TX, holding a Series 65 designation with four years of industry experience. Her prior roles include positions at Capital Income Solutions, LLC and AlphaStar Capital Management, LLC. She is also associated with First Fidelity Tax & Insurance, a business operating since 2000. First Fidelity Wealth Management, LLC provides discretionary portfolio management to individual and high-net-worth clients, employing a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation. The firm manages assets using model-based portfolios and offers integrated services through affiliated businesses in insurance, estate planning, and tax support.

Gregory Thompson is a CFP® with 26 years of industry experience, currently serving as an advisor at Stone Oak Wealth Management, LLC in San Antonio, TX. He has worked with Stone Oak Wealth Management since 2005, including a period at Titleist Asset Management, Ltd. from 2011 to 2017. In addition to his advisory role, he is an independent insurance agent. Stone Oak Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm offers discretionary and non-discretionary portfolio management, financial planning, and pension consulting, utilizing a combination of analytical approaches and trading strategies tailored to client objectives.

Seve Alexander is a financial advisor at First Fidelity Wealth Management LLC in New Braunfels, TX. He holds Series 63 and Series 65 licenses and has been in the industry since 2025. Prior to his current role, he worked at NYLIFE Securities LLC and New York Life Insurance Company, and has nearly a decade of experience in real estate services with South Texas Realty Services. First Fidelity Wealth Management provides discretionary portfolio management to individuals and high-net-worth clients, applying a combination of fundamental, technical, and economic analysis alongside modern portfolio theory. The firm manages client assets through model-based portfolios on a discretionary basis and offers additional services through affiliated businesses including insurance and estate-planning referrals.

Nathan Impellizzeri is a financial advisor at Stone Oak Wealth Management, LLC in San Antonio, TX, with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. Stone Oak Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses, providing discretionary and non-discretionary portfolio management, financial planning, and pension consulting. The firm employs model portfolios and a variety of analytical approaches, offering both long- and short-term trading strategies tailored to client objectives.

John Dallahan is a financial advisor at Stone Oak Wealth Management, LLC in San Antonio, TX, with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Raymond James Financial Services and Security Service Federal Credit Union. Stone Oak Wealth Management serves individuals, including high net worth clients, as well as pension and profit-sharing plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, integrated financial planning, and pension consulting, utilizing a model-based, analytical investment approach with both long- and short-term strategies.

Allan Jaster is a financial advisor with The Archer Consulting Group, LLC, holding a Series 66 designation and 18 years of industry experience. He has been with the firm since 2011. Outside of his advisory role, he serves as a Colonel in the United States Marine Corps. The Archer Consulting Group provides investment management, financial planning, and qualified retirement plan consulting to individuals, corporate plans, foundations, endowments, and trusts. The firm follows a scientific, systematic investment process under fiduciary standards and offers services primarily through a wrap fee program that includes discretionary portfolio management and specialized support such as expert witness work and special needs planning.

Michael Srulowitz is a financial advisor at Heritage Haus Wealth Partners LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Teamwork Financial Advisors and First Command Financial Services. Heritage Haus Wealth Partners provides discretionary wealth management services across three tiers and offers retirement-plan services. The firm tailors portfolios and financial plans to client objectives and uses a broad range of investment strategies, managing over $241 million in assets with a focus that includes ERISA-related services and held-away account management.

Kathleen Kempf is a financial advisor with Your Path Financial LLC in Adkins, TX, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at multiple firms including Purshe Kaplan Sterling Investments and Global View Capital Management, LTD. Kempf also writes and conducts educational and spiritual workshops related to money and finance through her role as president of Your Path 4 Prosperity LLC. Your Path Financial LLC provides discretionary and non-discretionary portfolio management and pension consulting services to high-net-worth individuals, pension and profit-sharing plans, and corporate clients. The firm emphasizes tailored investment strategies implemented primarily through third-party model portfolios and conducts ongoing manager monitoring and client reviews.

Stephen Wilde is a financial advisor at Glass Wealth Management Co., LLC in San Antonio, TX, with 27 years of industry experience. He holds a Series 63 designation and has worked at various iterations of Glass Wealth Management since 1999. Outside of his advisory role, Mr. Wilde is involved in family-held investment entities focused on illiquid real estate, private companies, and oil investments. Glass Wealth Management Co., LLC provides discretionary and non-discretionary investment management primarily to high-net-worth individuals, families, trusts, donor-advised funds, and closely held entities. The firm offers fully customized portfolios across core strategies, emphasizing long-term, tax-aware investing, and includes a family-office style service for larger relationships.

Cristina Raft is a financial advisor at Stone Oak Wealth Management, LLC in San Antonio, TX, with 27 years of industry experience. She holds a Series 63 designation and previously worked at Raymond James from 2016 to 2018 before joining Stone Oak Wealth Management in 2018. Stone Oak Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm offers portfolio management, financial planning, and pension consulting, employing a mix of technical, fundamental, and modern portfolio theory approaches along with both long- and short-term trading strategies.

Christopher Holden is a financial advisor with Imperium Wealth Management, LLC in San Antonio, TX. He holds a Series 65 designation and has 21 years of industry experience. Holden has been with Imperium Wealth Management since 2011. Imperium Wealth Management provides investment management, financial planning, tax preparation, and retirement plan consulting to a diverse client base including individuals, trusts, estates, corporations, and pension and profit-sharing plans. The firm customizes portfolios based on clients’ risk tolerances and time horizons and offers both discretionary and non-discretionary management.

Amy Robinson is a financial advisor at Robinson Value Management, Ltd. in San Antonio, TX, with 30 years of industry experience. She has been with Robinson Value Management since 2004. Robinson Value Management provides discretionary investment management and model-based sub-advisory services to a range of clients including individuals, institutions, and charitable organizations. The firm’s investment approach combines contrarian, valuation-driven U.S. equity strategies, global equity exposure, and an active macro-oriented sleeve designed to manage regime and inflation risks, utilizing both fundamental and quantitative analysis.

Stephen Arnold is a financial advisor at Texas Institutional Investment Management, LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with the firm since 2004. Texas Institutional Investment Management provides discretionary investment supervisory services to high net worth individuals and various institutional clients, including pension plans, charitable institutions, and municipalities. The firm employs a growth-equity approach focused on the Russell 3000 Growth universe and uses a multi-step investment selection process involving both quantitative and fundamental analysis.

Michael Gaona is a financial advisor at Heritage Haus Wealth Partners LLC in New Braunfels, TX, with eight years of industry experience. He holds Series 65 and Series 66 designations and previously worked at Teamwork Financial Advisors, First Command Financial Services, and The Litton Realty Group. Heritage Haus Wealth Partners offers discretionary wealth management services across multiple tiers, including retirement-plan services and estate-plan review. The firm uses a broad investment toolkit and manages over $241 million in assets shortly after its 2026 formation.