Omar Lozano is a financial advisor with PNC Wealth Management in Boerne, TX, holding a Series 63 designation and bringing 38 years of industry experience. His prior roles include significant tenures at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, INC., and COMPASS Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategy managed by PNC and third-party strategists that relies on algorithmic risk assessment and executes investments via mutual funds and ETFs with annual rebalancing.

Michelle Easton is a financial advisor with Schwab Wealth Advisory, holding the CFP® and ChFC® designations and over 26 years of industry experience. She has worked at Schwab Wealth Advisory since 2025 and has prior experience with Charles Schwab and USAA Financial Advisors. Outside of financial advising, she is a co-owner of a real estate holding company with her husband. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual reviews and investment recommendations based on proprietary research and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for advisory services.

Konrad Kuykendall is a financial advisor with Independent Financial Partners in San Antonio, TX, holding a Series 66 designation and 23 years of industry experience. He has worked with IFP Securities, LLC since 2019 and with Independent Financial Partners since 2016, including a prior role at LPL Financial. Outside of advising, Kuykendall serves as a board member of the LARK Family Foundation, a charitable giving organization. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform providing both discretionary and non-discretionary account management, with notable expertise in retirement-plan advisory and pension consulting services.

Michael Chase Jr. is a CFP® professional at Mariner with six years of industry experience. He has been with Mariner Wealth Advisors since 2016. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax and family office services, utilizing customized portfolios overseen by an Investment Committee and supported by internal and third-party managers.

Robert Deming is a financial advisor with Independent Financial Partners who holds Series 63 and Series 65 credentials and has 40 years of industry experience. He has worked with IFP Securities, LLC since 2019, Independent Financial Partners since 2012, and previously spent a decade at LPL Financial. Outside of his advisory role, Deming serves as president of the board for Friends of Enchanted Rock, a nonprofit supporting the Enchanted Rock State Natural Area, and is involved with several other nonprofit organizations including Kairos Prison Ministry International and Christian Job Corps of Gillespie County. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm offers a decentralized advisory model with options for centralized asset management and has notable retirement-plan advisory and pension consulting capabilities serving individual, charitable, corporate, and high-net-worth clients.

Vanessa Jourdan is a Series 66-credentialed financial advisor with 10 years of industry experience. She has worked at Mariner Wealth Advisors since 2021 and previously held positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Southern Wealth Management, and Popular Securities. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs customized portfolio strategies overseen by an Investment Committee and integrates tax and accounting services uncommon for an enterprise of its size.

Spencer Williams is a financial advisor at Merrill Lynch Wealth Management. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Spencer's approach focuses on helping clients identify what matters most to them and their families in order to develop strategies aimed at pursuing their financial goals. He holds a Bachelor's Degree from Harvard University.

Jesus Ramos is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to that, he was employed with USAA in various financial advisory and investment management roles from 2009 to 2020. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and due diligence on alternative investments.

Desiree De Hoyos is a financial advisor at Fisher Investments with five years of industry experience. She holds a Series 66 designation and previously worked at Charles Schwab Bank, Charles Schwab, Edward Jones, Lowe's Companies, and Victoria's Secret. Fisher Investments serves a global range of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios, with services that include sub-advisory, retirement plan management, and risk management strategies.

Arturo Torres is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 22 years of industry experience. His prior work includes roles at Titleist Asset Management and USAA-affiliated firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options supported by strategic asset allocation and research from Schwab Center for Financial Research.

Heidi Malone is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 registrations and bringing 25 years of industry experience. She previously worked at USAA in various financial planning and investment management roles from 2005 to 2018. Outside of her advisory work, she owns William Tyler Enterprises, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

John Frahm is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Edward Jones in San Antonio, TX, where he has worked since 2022. His prior experience includes roles at CoStar Group, American National Life Insurance Company, and Saybrus Equity Services, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Douglas Bock is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for six years before joining Ameriprise in 2022. Outside of his advisory role, he is involved in independent insurance brokering and serves as a financial advisor for Randolph Brooks Federal Credit Union. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to create tailored recommendations.

Richard Poligala is a CFP®-credentialed financial advisor with 21 years of industry experience, currently practicing at LPL Financial in San Antonio, TX. Prior to joining LPL Financial in 2018, he worked for USAA in various financial advisory and planning roles from 2015 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Erick Monteagudo is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, and Firstmark Credit Union, among others. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized supervisory and custody arrangements.

Joseph Taylor is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank, N.A. since 2017 and Wells Fargo Clearing since 2021. Prior to his career in finance, he was employed at Purifoy Chevrolet from 2014 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Emilio Lira is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and Waddell & Reed. Outside of advisory roles, he has been involved in insurance sales and has owned a guest house rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Peter Tijerina is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Primerica Advisors since 2016 and has worked with Primerica Financial Services since 2013. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm focuses on tiered wrap-fee solutions and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Carl Thorson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Raymond James, Merrill, Citigroup, and USAA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a dedicated team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Noah Minica is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he was involved with Doubletake Archery LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.