Beth Hearn is a CFP® with 39 years of experience in financial services, currently serving at OSAIC since 2025. Her prior experience includes eight years at Lincoln Financial Advisors Corporation and eleven years at Waddell & Reed, INC. and various insurance carriers through W&R Insurance Agencies, Inc. She is also a licensed notary. OSAIC serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory platforms and investment services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios.

Katheryn Coleman is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. She previously worked at HFG Wealth Management before joining Merrill and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies constructed by internal Chief Investment Office teams and third-party managers.

Jeff Jin is a financial advisor with Merrill in The Woodlands, TX, holding a Series 66 designation and 25 years of industry experience. He has worked at Merrill since 2019 and previously spent six years with Cetera Investment Services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Johansen III is a financial advisor with Merrill in The Woodlands, TX, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Merrill since 1992 and Bank of America, N.A. since 2011. Outside of his advisory role, he owns and operates small businesses including a honey-producing farm and a sports card sales enterprise. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kenneth Coleman III is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. His prior roles include positions at Bank of America, N.A., and The Northwestern Mutual Life Insurance Company. He also worked at Texas A&M University for four years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Monica Breaker is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2008, including a role at Bank of America, N.A. starting in 2023. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Miguel Velazquez is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 16 years of industry experience. Prior to joining Raymond James in 2024, he spent 15 years at Citibank NA. Outside of his advisory role, Velazquez serves as a diving competition judge. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Sean Jaussi is a Vice President and Branch Leader at Fidelity Investments. In his role, he helps coach and support associates who partner with clients to co-create personal financial plans. Sean has been with Fidelity Investments since 2014, progressing through various positions including Client Services Representative, Workplace Planning Consultant, Regional Center Learning Lead, Team Leader for Workplace Planning and Advice, and Branch Leader before assuming his current role in 2024. His experience encompasses leadership and workplace planning within the financial services industry. Outside of his professional career, Sean is involved in activities such as family activities, football, parenthood, reading, volunteering, and writing.

Geoffrey Turnbull is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Chance Vogel is a financial advisor with Edelman Financial Engines in Sugar Land, TX, holding Series 63, 65, and 66 licenses and 16 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2020 and previously at TDAmeritrade from 2015 to 2020. Outside of his advisory role, he serves as Vice Chairman of the Lamb and Goat Auction Committee for the Houston Livestock Show and Rodeo. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and offers both advisor-led and online investment solutions.

Alban Derieux is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He works closely with clients to build comprehensive financial plans, with a particular focus on preparing for and transitioning through retirement years. His approach involves understanding each client's unique circumstances to develop and implement an action plan tailored to their individual needs, preferences, and timeline. Prior to his current position, Alban served as an Investment Consultant and Client Management Representative at Fidelity Investments from 2021 to 2024. Before joining Fidelity, he was a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021. Alban holds a California Insurance License. Outside of his professional work, Alban has interests in biking, cars, cooking and baking, hiking, military service, and motorcycles.

Samantha Ward is a financial advisor at Morgan Stanley with 17 years of industry experience. She has worked previously at Merrill and held several roles within Morgan Stanley since 2016. Outside of her advisory work, Ward serves on the finance committee and board of Girls on the Run Greater Houston, a nonprofit focused on youth development. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning that incorporates firm-approved tools and market outlooks. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client engagements and corporate planning agreements.

Jacob Watson is currently serving as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2020, advancing through roles from Investment Consultant to Financial Consultant before his current vice presidential role. Prior to joining Fidelity, he worked as a New Client Development Specialist at TD Ameritrade in 2019. Jacob focuses on understanding the various financial decisions his clients face during different life events. He approaches financial planning by considering his clients' current life circumstances and strives to provide clear explanations for his recommendations. His goal is to support clients through changing situations with straightforward and tailored financial plans. Outside of his professional work, Jacob enjoys cooking and baking, fitness activities, socializing with friends, gardening, hiking, and traveling.

Troy Perkins is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Cetera and its related entities since 2025 and previously served at Concourse Financial Group Securities and Lincoln Financial Securities. Perkins is also involved in several financial service businesses, including his own Perkins Financial, where he provides insurance and financial products. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various third-party managers and program options.

Scott Gross is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals, families, and business owners pursue financial confidence through personalized wealth management strategies tailored to their unique goals, values, and aspirations. Scott works closely with clients to develop thoughtful and flexible financial plans that address various aspects of their financial lives, including investments, retirement planning, risk management, estate considerations, cash flow needs, and legacy objectives. With a family background in financial planning, Scott brings a collaborative and proof-based approach to advising. Alongside his brother Gary at Gross and Associates, he combines technical expertise and interpersonal skills to provide strategies supported by financial modeling. His areas of focus include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Scott holds a Personal Investment Advisor (PIA) designation and earned his education from the University of North Texas and Klein Forest High School. Outside of his professional role, he has interests in adventure sports, ice hockey, scuba diving, and soccer.

Tyler Fink is a financial advisor at Merrill with a Series 66 designation. He has prior experience at Bank of America, Fisher Investments, and has worked in various roles outside the financial industry, including at Texas Christian University and Bear Creek Running Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raymond Rogers is a CFP® and ChFC® with 11 years of industry experience, currently practicing at Edward Jones in Conroe, TX. He has been with Edward Jones since 2014 and previously served in the US Army Reserves from 2013 to 2021. Outside of his advisory role, Rogers is a rental property owner. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options supported by a large nationwide network of financial advisors and branch offices.

Michael Pritchard is a Series 66-licensed financial advisor with LPL Financial, based in The Woodlands, TX, and has 10 years of industry experience. He has previously worked at Capital One Advisors, Capital One Investing, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matthew Lentz is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014, concurrently with his role at Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Alan Mendoza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Clearing since 2021 and has been with Wells Fargo Bank, N.A. since 2018. Prior to that, he was employed at Speedy Cash from 2015 to 2018. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.