Brook Whitworth is a financial advisor with Frost Investment Services in San Antonio, TX, holding a Series 63 designation and seven years of industry experience. He has been with Frost Brokerage Services since 2018 and has over three decades of experience at Frost Bank. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and various managed account programs, utilizing the Fidelity Managed Account Xchange platform and combining fundamental, technical, and cyclical research in its investment process.

John Ballantyne is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at various USAA entities since 2010, including USAA Life Insurance Company and USAA Financial Planning Services. Based in San Antonio, TX, Ballantyne's career has been focused within the USAA organization. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm delivers Retirement Income Strategy Reports and facilitates referrals to third-party broker-dealers or advisers, operating mainly as a referral intermediary without managing client assets or accounts.

Stephanie Vosper is a financial advisor at Frost Investment Services with 16 years of industry experience. She holds the Series 66 designation and has worked at Frost Brokerage Services Inc and Frost Bank since 2015. Vosper joined Frost Investment Services in 2017. Frost Investment Services is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and managed account programs, implementing client portfolios through the Fidelity Managed Account Xchange platform with a blend of proprietary and third-party strategies.

Gary Haack is a financial advisor with Compass Financial Management LLC in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been involved with Texas Retirement Strategies since 1995 and has worked at CreativeOne Wealth, LLC and CoreCap Investments Inc. He is the owner of Texas Retirement Strategies, a business focused on fixed annuities and life insurance. Compass Financial Management LLC serves individual and high-net-worth clients as well as pension and profit-sharing plans, offering discretionary investment management and retirement-plan consulting. The firm employs a variety of investment approaches including equities, fixed income, mutual funds, ETFs, and uses both third-party managers and internally managed model portfolios.

Mariana Ramirez Becerra is a financial advisor at USAA Investment Services Company with two years of industry experience. She previously worked at Fisher Investments and has held roles at USAA Life Insurance Company. USAA Investment Services Company provides retirement-focused advice and referral services primarily through phone and digital channels to USAA members and individual investors. The firm delivers a Retirement Income Strategy Report and facilitates referrals to third-party advisers rather than managing client assets directly.

Eric Bremer is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at CITIGROUP and Frost National Bank, as well as affiliated Frost investment and brokerage services. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm offers a Retirement Income Strategy Report and refers clients to third-party broker-dealers or advisers rather than managing client assets directly.

Patrick Robertson is a financial advisor with Kovack Advisors, Inc. in San Antonio, Texas, holding Series 63 and Series 66 licenses and having nine years of industry experience. His prior work includes roles at MML Investors Services LLC, MassMutual Life Insurance Company, Pruco Securities, LLC, Prudential Insurance Company of America, NYLIFE Securities LLC, and New York Life Insurance Company. Kovack Advisors, Inc. is a multi-team registered investment adviser managing over $6 billion in client assets across approximately 260 advisors. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, employing both internally developed and third-party investment models supported by an Envestnet platform.

Kyle Snyder is a financial advisor with Frost Investment Services based in San Antonio, TX, holding a Series 66 designation and seven years of industry experience. He previously worked at firms including Stifel Nicolaus & Co Inc and Fidelity Brokerage Services LLC. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with about 179 advisors managing approximately $3.7 billion in client assets and is notable for its affiliation with a banking institution.

Kevin Beall is a ChFC® and Series 66 registered financial advisor with 24 years of industry experience. He has worked with various USAA entities since 2008, including USAA Life Insurance Company, USAA Investment Services Company, Usaa Financial Advisors Inc, and USAA financial planning services, all based in San Antonio, TX. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and the general public. The firm delivers a Retirement Income Strategy Report and refers clients to Charles Schwab for investment products, operating as a referral and retirement-advice intermediary rather than a portfolio manager.

James Laughlin is a financial advisor with USAA Investment Services Company, holding a Series 66 designation and 12 years of industry experience. His career includes roles at several USAA affiliated entities, including USAA Life Insurance Company and USAA Financial Planning Services. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and the general public. The firm emphasizes retirement income planning and refers clients to Charles Schwab for investment products, operating as a referral intermediary rather than a portfolio manager.

Bryan Hicks is a financial advisor at Hilltop Securities Inc. in San Antonio, TX, holding Series 63 and Series 66 licenses with 26 years of industry experience. His prior roles include positions at Edward Jones and Charles Schwab, where he worked for over a decade. Hilltop Securities Inc. provides brokerage, advisory, and retirement-plan consulting services to individuals, corporations, nonprofits, and institutional clients. The firm offers a range of portfolio management programs and uses an open-architecture platform with multiple investment strategies and operational features that include municipal bond strategies and custody capabilities.

Michael Macias is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Frost Brokerage Services, CUSO Financial Services, NYLIFE Securities, New York Life Insurance Co, Texas Veterans Security, and Our Lady of the Lake. Outside of his advisory work, he is involved in managing rental properties. Frost Investment Services serves individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with a banking affiliation, managing approximately $3.7 billion in client assets through around 179 advisors.

Regina Garza is a financial advisor at Frost Investment Services with three years of industry experience. She holds a Series 66 designation and has previously worked at Frost Bank and the University of Texas - Rio Grande Valley. Frost Investment Services is a retail-focused, SEC-registered adviser serving individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary portfolio management, comprehensive financial planning, and various managed account programs, utilizing a combination of proprietary and third-party investment strategies through the Fidelity Managed Account Xchange platform.

Mark Itnyre is a CFP® professional with 22 years of industry experience, currently serving at Frost Investment Services since 2017. His prior roles include positions at Frost National Bank and Frost Brokerage Services Inc. based in San Antonio, TX. Frost Investment Services is an SEC-registered adviser that provides discretionary portfolio management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm uses the Fidelity Managed Account Xchange platform to implement client portfolios, combining model portfolios with third-party managers, and offers research-driven investment strategies along with optional tax and ESG overlay services.

Melvin Mccullough is a financial advisor with Cary Street Partners, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Cary Street Partners since 2014. Outside of advising, he serves as president of McCasey, LLC, a non-investment-related business in San Antonio, TX. Cary Street Partners provides discretionary and non-discretionary wealth management and advisory services to a diverse client base, including individuals, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, financial and retirement planning, and access to alternative investments, utilizing both third-party and proprietary strategies across a range of asset classes.

Julie Gerron is a CFA® charterholder with four years of experience in the financial industry. She currently works at Sendero Wealth Management, LLC, where she has served since 2023, and previously spent 19 years at Westwood Holdings Group, Inc. In addition to her advisory role, she serves as General Counsel and Chief Compliance Officer for Sendero Wealth Management. Sendero Wealth Management is a partner-led registered investment adviser that serves high net worth individuals, families, endowments, and institutions, generally focusing on clients with $3 million or more in investable assets. The firm employs an open-architecture investment approach combining strategic asset allocation, active and passive strategies, and alternative investments, while providing discretionary and non-discretionary management.

Katrena Shipp is a financial advisor at Maridea Wealth Management with 17 years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley, TIAA-CREF, and Advice and Planning Services. In addition to her advisory role, she is a licensed insurance agent with Maridea Insurance Company, where she dedicates a portion of her time to insurance sales and implementation. Maridea Wealth Management serves individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering discretionary investment management, financial planning, and business-oriented services including outsourced CFO support. The firm operates as a fiduciary, employing a long-term portfolio construction approach that incorporates fundamental analysis and modern portfolio theory, and maintains continuous account monitoring with formal annual reviews.

Bryan Kaarlsen is a financial advisor with Blackridge Asset Management, LLC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at Blackridge Asset Management and PEAK Brokerage Services since 2016 and has been involved with Texas Retirement Headquarters since 2021, where he also engages in fixed insurance sales. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm employs a model-based portfolio management approach through an online platform and maintains relationships with affiliated broker-dealers and third-party money managers.

Jerrell Jenkins is a financial advisor at USAA Investment Services Company with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at USAA-affiliated firms since 2017, as well as at CitiBank from 2012 to 2017. Jenkins is based in San Antonio, TX. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and the general public. The firm offers a Retirement Income Strategy Report to support retirement planning discussions and refers clients to Charles Schwab for investment products and account services.

Steven Nolan is a financial advisor with USAA Investment Services Company in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked across several USAA-affiliated entities since 2007, including USAA Life Insurance Company and USAA Financial Planning Services. USAA Investment Services Company provides retirement-focused advice and referral services to USAA members and the general public, offering a Retirement Income Strategy Report to facilitate discussions on saving and income planning. The firm functions primarily as a referral intermediary, directing clients to Charles Schwab for investment products and account services.