Brian Kraus is the founder and principal of Kraus Capital Management, LLC in San Antonio, TX, with 27 years of industry experience. He holds the CFP® and Series 66 designations. Prior to leading his own firm, he was associated with Purshe Kaplan Sterling Investments for over a decade. Kraus Capital Management provides discretionary asset management, retirement planning, and investment consulting to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and businesses. The firm employs a combination of fundamental, technical, and cyclical analysis to create portfolios tailored to client objectives, with ongoing monitoring and rebalancing.

Matthew Schwegman is a CFP® professional with 14 years of industry experience, operating as the sole advisor at ComposedPro, Inc. He also serves as CFO of Made in the Shade, a franchisor of custom window treatments, where he oversees financial, accounting, and tax activities. Additionally, he is president of two related businesses providing tax preparation and small business consulting services. ComposedPro, Inc. is an independent wealth management firm serving approximately 50 clients with financial planning, portfolio management, retirement-account advice, estate planning support, and access to alternative investments. The firm’s approach emphasizes goals-based planning, fee and tax reduction through disciplined portfolio construction, and specialized separately managed account solutions.

Loretta Heffron is a financial advisor at ENDURE Retirement LLC in San Antonio, TX, with 11 years of industry experience. She holds a Series 65 designation and previously worked at Redhawk Wealth Advisors, Inc. from 2015 to 2018. Outside of her advisory role, she is involved as an independent producer in group health. ENDURE Retirement LLC specializes in retirement plan consulting and non-discretionary investment advisory services for employer plan sponsors and individual clients. The firm focuses on pension and profit-sharing plans, providing ERISA 3(21) investment advice, plan monitoring, fee benchmarking, and participant education, primarily operating on a non-discretionary basis.

Ernest De La Rosa Jr. is a financial advisor at Visionary Wealth Partners LLC with seven years of industry experience. He holds a Series 66 designation and has worked at several firms including Mass Mutual Investors Services, Equitable Advisors, and Merrill. In addition to his advisory role, he is an independent insurance agent specializing in life, disability, employee benefits, and fixed annuities. Visionary Wealth Partners LLC provides investment management, financial planning, and retirement-plan consulting to clients such as trusts, estates, charitable organizations, corporations, and pension and profit-sharing plans. The firm emphasizes passive investment strategies using diversified, low-cost index funds and ETFs, asset allocation, and tax-aware portfolio management, and offers advisory services on assets held within insurance products.

Qing Selby is a CFP® professional with 12 years of industry experience, currently serving as the sole advisor at Relyon Financial Advisors, LLC in San Antonio, TX. He has led Relyon Financial Advisors since its founding in 2015. Outside of his advisory role, he is involved in IT strategic consulting and program management and acts as a trustee for the Selby Family Trust. Relyon Financial Advisors is an independent, fee-only registered investment adviser that offers financial planning, discretionary wealth management, and limited-scope consulting to individuals, families, corporations, nonprofits, and retirement plans. The firm employs a quantitative, evidence-based investment process featuring a proprietary daily algorithm combined with Modern Portfolio Theory, focusing on low-cost mutual funds and ETFs with ongoing portfolio oversight.

Roger Graham is a financial advisor at Braintrust Capital, LLC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and UBS Financial Services. Braintrust Capital, LLC provides investment advisory and financial planning services to individual investors and employer-sponsored retirement plans. The firm offers asset management, comprehensive portfolio management, standalone financial planning, and retirement plan consulting, employing fundamental, technical, quantitative, and sector analysis in its investment process.

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

Victor Larsen is a CFP® professional with 38 years of industry experience, currently serving as the sole advisor at Larsen Financial Management. His prior experience includes roles at Sensus Wealth Management Group, National Asset Management, National Securities Corp, and WFG Investments Inc. In addition to his advisory work, Larsen owns and operates a tax preparation and consulting business and is also active as an independent insurance agent and a realtor. Larsen Financial Management is an independent advisory firm providing discretionary asset management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and other business entities. The firm uses both fundamental and technical analysis and employs a range of strategies across multiple asset classes, typically under discretionary authority.

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.

Teresa White is a CFP®-certified financial advisor with 40 years of experience, currently affiliated with Money Managers Inc. She has worked with LPL Financial LLC and Next Financial Group Inc. Prior to that, she spent over four decades at Money Managers Inc. White is also involved in non-variable insurance through her own agency. Money Managers Inc. serves individuals, small businesses, and investment company clients by providing discretionary portfolio and wealth management, financial planning, and pension consulting. The firm uses a combination of fundamental and technical analysis, modern portfolio theory, and active trading strategies, and is notable for sponsoring a wrap fee program and managing accounts for investment companies.

Marc Gagni is a financial advisor with Gagni Wealth Management LLC in San Antonio, TX, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Gagni Wealth Management since 2014 and is also associated with Maridea Wealth Management LLC as part of a transitional arrangement. In addition to his advisory role, he is a licensed insurance agent and owns Gagni Ventures Management Company LLC, which manages private investments. Gagni Wealth Management serves individual clients, corporations, trusts, and small businesses, managing discretionary and non-discretionary portfolios. The firm employs a combination of fundamental and technical analysis to construct and monitor model allocations and offers specialized option trading strategies with performance-based fees.

Nathan Impellizzeri is a financial advisor at Stone Oak Wealth Management, LLC with three years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Stone Oak Wealth Management, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC for three years. Stone Oak Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses by providing portfolio management, financial planning, and pension consulting. The firm employs a combination of technical, fundamental, and modern portfolio theory approaches in managing assets and offers tailored client solutions that may include third-party money managers.

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.

Brad Dobson is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Best Invest in San Antonio, TX. His prior experience includes roles at Kercheville Advisors LLC and Kercheville & Company. Best Invest provides investment management, financial planning, and consulting services to individuals, high-net-worth clients, employer-sponsored plan participants, small businesses, and corporations. The firm employs fundamental analysis, Modern Portfolio Theory, and technical analysis in actively managed portfolios, often utilizing margin transactions, option writing, and leveraged ETFs.

Stephen Wilde is a financial advisor at Glass Wealth Management Co., LLC in San Antonio, TX, with 26 years of industry experience. He holds a Series 63 designation and has been with Glass Wealth Management and its predecessor since 2014. Outside of his advisory role, Wilde is involved in managing several family investment entities focused on illiquid real estate, private company investments, and oil. Glass Wealth Management Co., LLC provides discretionary and non-discretionary investment management and consulting services to individuals, high-net-worth families, trusts, estates, and small corporate entities. The firm offers a family-focused Total Asset Management service and builds custom portfolios using a combined top-down and bottom-up investment approach.

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.

John Chan is a CFP® professional with 11 years of industry experience, currently affiliated with Independence Wealth Group in San Antonio, TX. He has worked at G. H. Wealth Management, LLC since 2016. Outside of his advisory role, he is a licensed insurance agent and a minority owner of Falcon Insurance Services, a property and casualty insurance agency, where he provides financial oversight. Independence Wealth Group offers portfolio management and comprehensive financial planning primarily for individual clients using a strategic, long-term asset allocation approach. The firm integrates insurance activities within its advisory platform and provides educational seminars and customized plans based on client goals, risk tolerance, and tax considerations.

Rodrigo De Los Santos is a financial advisor at Praestantia Capital, LLC with six years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at UBS Financial Services Inc and RXS Capital. His background also includes employment at the University of Texas at Austin. Praestantia Capital provides discretionary portfolio management and advisory services primarily to high net worth individuals, families, family offices, trusts, pension, and corporate clients. The firm uses a blend of fundamental, technical, quantitative, and qualitative analysis across various asset-allocation strategies and maintains custodial relationships with Charles Schwab and Interactive Brokers to support global trading.

Steve Warren is a ChFC® credentialed advisor with 38 years of industry experience, currently with Financial Planning HQ, LLC in San Antonio, TX. He has held prior roles at Lincoln Financial Securities, Inc., Mass Mutual, and Metlife Securities Inc. Outside of advisory work, Warren owns an insurance business offering disability, traditional, and long-term care insurance as well as fixed annuities and premium financing. Financial Planning HQ provides comprehensive financial planning services primarily to clients with multi-million dollar investable assets, focusing on consultative financial planning and the selection of third-party money managers for portfolio management. The firm does not manage portfolios directly and emphasizes an ongoing planning process with regular reviews and updates.