Patrick Terrell is a CFP® professional with 26 years of experience in financial services. He is currently with Navy Federal Investment Services, LLC and has previously worked at Charles Schwab and USAA, where he held various advisory and financial planning roles. Outside of his advisory work, he serves as a statutory durable power of attorney for a family member, assisting with financial monitoring and bill payments without compensation. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, as well as individual, trust, and institutional clients, offering financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and maintains oversight responsibilities while providing a range of investment and overlay services.

Ann Barham is a financial advisor at Titleist Asset Management, LLC with five years of industry experience. She holds a Series 66 designation and has previously worked at Edward Jones, Gracelets, Wholy Created, and Taaffe & Associates, PC. Titleist Asset Management, LLC is an SEC-registered multi-advisor wealth manager serving individuals, trusts, estates, and employer-sponsored retirement plans. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting using client-specific asset allocation strategies overseen by an investment committee.

Timothy Eastman is a financial advisor with Frost Investment Services in San Antonio, TX. He holds Series 63 and Series 65 licenses and has 26 years of industry experience. Prior to joining Frost in 2025, he worked at Victory Capital Advisers, Inc. and USAA Financial Advisors, Inc. among other firms. 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 multi-manager approach through the Fidelity Managed Account Xchange platform.

Carla Worsham is a financial advisor at Frost Investment Services with 27 years of industry experience. She holds a Series 63 designation and has been with Frost Brokerage Services, Inc. since 1997, as well as Frost National Bank since 1984. 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 managed account programs utilizing both proprietary and third-party investment strategies.

Eric Chapman is a financial advisor at Frost Investment Services in San Antonio, TX, with 14 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at JPMorgan Chase Bank and JP Morgan Securities LLC for seven years. Outside of finance, he serves as a high school football referee with the Texas Association of Sports Officials. Frost Investment Services provides investment advisory and portfolio management services to individual and corporate clients, including high-net-worth households. The firm operates an enterprise advisory platform with roughly 179 advisors managing approximately $3.7 billion in client assets and is notable for its affiliation with a banking institution.

Vincent Zinsmeyer is a financial advisor with Alera Investment Advisors, LLC in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at OSAIC, Triad Advisors, Global Retirement Partners, and LPL Financial. He is also a partner at Amcorp Insurance & Financial Services, where he has been involved with employee benefits for over 40 years. Alera Investment Advisors provides investment management, financial planning, and retirement-plan advisory services to individuals, families, businesses, and institutions. The firm’s investment approach is primarily long-term and fundamental-analysis driven, with ongoing portfolio monitoring and integration with insurance and pension-consulting platforms.

Gregory Jenschke is a financial advisor with USAA Investment Services Company in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His career includes roles at various USAA entities dating back to 2007. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and the general public, producing a Retirement Income Strategy Report to guide discussions on saving and income planning while referring clients to Charles Schwab for investment products and account management.

Dion Padilla is a financial advisor with Blackridge Asset Management, LLC, holding a Series 66 designation and 23 years of industry experience. He previously worked at Next Financial Group Inc for 11 years before joining Blackridge in 2017. Padilla serves as a board member for A Woman’s Haven, a nonprofit assisting women in pregnancy crises. Blackridge Asset Management provides personalized financial planning, asset management, and consulting services to individuals, high-net-worth clients, pension plans, trusts, and small businesses. The firm’s investment approach includes client-driven risk profiling, use of model portfolios, and due diligence on sub-managers, with services delivered through multiple custodians and advisory arrangements.

Lisa Torres is a financial advisor at Frost Investment Services with two years of industry experience. She holds a Series 65 designation and has previously worked at USAA Federal Savings Bank, USAA, Frost Bank, San Antonio Water System, and SWBC. Outside of finance, she operates a photography and videography business in San Antonio. 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 managed account programs, utilizing the Fidelity Managed Account Xchange platform and combining fundamental, technical, and cyclical research with optional tax and ESG overlay services.

Garrett Gomez is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 63 and Series 66 designations and 23 years of industry experience. He has worked at Frost Brokerage Services since 2003 and Frost National Bank since 2002. Outside of advisory duties, he serves as a Retirement Services Administrator, managing investment accounts and custody relationships in an operational capacity. 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 managed account programs implemented through the Fidelity Managed Account Xchange platform, utilizing a combination of fundamental, technical, and cyclical research.

Brian Alphin is a financial advisor at Frost Investment Services in San Antonio, TX, with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Frost Investment Services since 2017, following prior roles at Frost Brokerage Services and Frost Bank. Frost Investment Services is a multi-team firm advising individual and corporate clients, including high-net-worth households, providing portfolio management and investment advisory services. The firm’s affiliation with a banking institution and its enterprise scale distinguish it within the industry.

Kevin Gerbers is a financial advisor at Gradient Advisors, LLC with eight years of industry experience. He holds the Series 65 designation and has worked at multiple firms including Pinnacle Strategic Wealth, Inc., where he serves as president, and the American Financial Education Alliance, where he also holds a president and presenter role. His activities include providing financial education classes alongside his advisory work. Gradient Advisors, LLC offers investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm operates primarily through a network of investment advisor representatives and third-party money managers, focusing on a largely non-discretionary model that incorporates fundamental, technical, and cyclical analysis.

Emily Groves is a financial advisor with Frost Investment Services in Dallas, TX, holding a Series 63 designation and 14 years of industry experience. She has worked with Frost Brokerage Services Inc and Frost Bank since 2015 and was with Frost Investment Services in 2017. 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 fundamental, technical, and cyclical research alongside the Fidelity Managed Account Xchange platform.

Christina Rodgers is a financial advisor with Frost Investment Services in Fort Worth, TX. She holds Series 63 and Series 66 licenses and has 15 years of industry experience. Her prior work includes roles at Frost Brokerage Services Inc. and 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 managed account programs, utilizing a combination of fundamental, technical, and cyclical research along with tax and ESG overlay services.

Daniel Silguero is a CFP® professional with three years of industry experience, currently serving at Frost Investment Services in San Antonio, TX. His prior roles include positions at AGIA, VALIC Financial Advisors, Prosperity Bank, and Frost Brokerage Services, Inc. Silguero holds the Series 66 license. Frost Investment Services provides investment advisory and portfolio management services to individual and corporate clients, including high-net-worth households. The firm operates as a multi-team enterprise platform with a bank affiliation and manages approximately $3.7 billion in client assets across about 179 advisors.

Ruth Forehand is a CFP® professional with 29 years of experience in the financial services industry. She has worked at IHT Wealth Management LLC since 2020 and previously spent seven years at Revolution Wealth Management and over a decade at LPL Financial, where she continues to maintain an affiliation. IHT Wealth Management serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, trusts, and corporate clients. The firm employs a blended investment approach combining fundamental stock selection with quantitative tools and diversified model portfolios, while also offering ERISA fiduciary services and a proprietary wrap-fee program through a large network of advisors.

Kaleb Talbot is a financial advisor with Frost Investment Services in San Antonio, TX, holding a Series 66 license and eight years of industry experience. His prior roles include positions at Gallagher Fiduciary Advisors, Kestra Investment Services, and JPMorgan Chase Bank. Outside of advisory work, he was involved with Every Event Entertainment, LLC from 2022 to 2024. Frost Investment Services advises individual and corporate clients, including high-net-worth households, offering investment advisory and portfolio management through an enterprise platform with approximately 179 advisors managing about $3.7 billion in assets. The firm’s affiliation with a banking institution distinguishes its operating model from many peers.

Ryan Elkins is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Avior Wealth Management, LLC since 2021. His prior experience includes roles at Nelson, Van Denburg & Campbell Wealth Management Group LLC and USAA in various financial planning and advisory capacities. Avior Wealth Management is an SEC-registered enterprise adviser managing over $5 billion in client assets through approximately 120 professionals. The firm serves individuals, pension and retirement plans, charitable and corporate entities, and banking institutions, employing a fundamentally driven investment process with both long- and short-term strategies.

Derek Perez is a financial advisor with Frost Investment Services in San Antonio, TX. He holds a Series 66 designation and has experience working at Frost Brokerage Services and H.E.B. outside the financial industry. He is also co-owner of a local cleaning business, Peel Good Cleaning, where he assists with budgeting and payroll. 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 managed account programs implemented through the Fidelity Managed Account Xchange platform, combining internal and third-party strategies.

David Parsons is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked within various USAA entities since 2008, including USAA Life Insurance Company and USAA Financial Advisors, Inc. Outside of his advisory role, he manages a small rental activity from his primary residence. USAA Investment Services Company serves USAA members and the general public by providing retirement-focused advice and referral services. The firm offers a Retirement Income Strategy Report and refers clients to Charles Schwab for investment products, operating primarily as a retirement-advice intermediary rather than a portfolio manager.