Kelly O’Day is a financial advisor at First Command Advisory Services with nine years of industry experience. He has worked at various entities within the First Command organization since 2016 and served in the US Navy from 2011 to 2017. Outside of advising, he holds a landlord role at a rental property business. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs utilizing model portfolios managed by an internal Investment Management Team.

Aaron Davila is a financial advisor at OSAIC Institutions, Inc. with three years of industry experience. He holds a Series 66 designation and has worked at firms including Infinex Investments and AFFCU. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating a hybrid adviser/broker-dealer structure with a distinctive model that emphasizes firm supervision and third-party partnerships.

Tammie Tirres is a financial advisor with Foundations Investment Advisors LLC in San Antonio, TX, holding a Series 65 designation and five years of industry experience. She previously worked at Queen B Advisors, LLC and Noble Capital. In addition to her advisory role, she is active in insurance and annuity solutions as a sales agent for Magellan Insurance. Foundations Investment Advisors LLC provides financial planning and portfolio management services to a diverse client base, utilizing a blend of fundamental, technical, and cyclical analysis along with model portfolios and discretionary authority assigned to its advisors.

Charles Maddox is a financial advisor with Empower Advisory Group in San Antonio, TX, holding Series 63 and Series 66 designations and one year of industry experience. His prior roles include positions at Empower Financial Services, Amcap Mortgage, Nationwide Insurance, and several banking institutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing through a proprietary “point-in-time” financial planning approach.

Sidney Frith is a financial advisor at First Command Advisory Services with a Series 66 designation and four years of industry experience. Prior to joining First Command, he served in the U.S. Air Force for 20 years. Frith is also the owner of S J Wealth, LLC, a business formed to support his role as an advisor. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by an internal Investment Management Team and Wealth Portfolio Managers.

Matthew Donaghue is a CFP® professional with over 22 years of experience in the financial services industry. He is currently with Kestra Advisory Services, LLC, where he has worked since 2023, and previously held roles at Cetera and Foresters Financial Services. Outside of his advisory work, he is a managing member and agent of an insurance agency specializing in fixed life, health, disability, long-term care, and annuity products, and serves as an instructor for CLTC training courses. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, employee education, and utilizes multiple management platforms, serving clients ranging from retirement plans to sovereign wealth funds.

Roxiane Kerns is a financial advisor with Rockefeller Financial LLC, holding a Series 66 designation and bringing 30 years of industry experience. She worked at Merrill Lynch from 1984 to 2021 before joining Rockefeller Financial in 2021. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management and financial planning services, operating uniquely as both a registered broker-dealer and an investment advisor with an integrated platform that includes discretionary and non-discretionary solutions across various asset classes.

Kenneth Michaud is a Certified Financial Planner® (CFP®) with 30 years of industry experience. He is currently an advisor at First Command Advisory Services and has previously worked at firms including Frost Brokerage Services, Broadway Wealth Solutions, and USAA Investment Services. Michaud holds Series 63, 65, and 66 licenses. First Command Advisory Services is an SEC-registered investment adviser focused on serving individuals, corporate, and charitable clients, with a particular emphasis on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs using a centralized Investment Management Team to design and manage model portfolios with a range of mutual funds, ETFs, and third-party managed accounts.

Bradford Hardy is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Corient. His prior experience includes roles at Capital Advisors, Inc., Fidelity Investments, TIAA CREF, TD Ameritrade, and Scottrade. Outside of his advisory work, he owns and manages a short-term vacation rental business in San Antonio, Texas. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm employs a goals-based, team investment approach combining in-house strategies with third-party solutions and incorporates risk management tools and alternative investments where appropriate.

Christina Rodriguez is a financial advisor at Empower Advisory Group with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Citigroup, Progressive Insurance, Victory Capital Advisers, and J.P. Morgan Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

John Stults is a financial advisor with Ameritas Advisory Services, LLC in San Antonio, TX, holding a Series 66 designation and 26 years of industry experience. His career includes roles at Ameritas Investment Corp and Securian Financial Services, Inc. He is also active as an independent insurance agent and serves as secretary of the Blanco Chamber of Commerce. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of asset management and financial planning solutions, utilizing model portfolios, mutual funds, ETFs, and individual securities across various program platforms.

John Cervantes is a CFA® charterholder with 17 years of industry experience. He is currently with Prime Capital Financial and has held roles at TCBI Securities, Texas Capital Bank, Bank of America, Merrill, and USAA Financial Planning Services. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans with services including asset management, financial planning, retirement plan sponsor and trustee services, and family office offerings. The firm employs a combination of core/satellite, thematic, and tactical strategies and maintains an affiliated accounting subsidiary providing tax planning and bill-pay services.

Justin Blauvelt is a financial advisor at First Command Advisory Services in San Antonio, TX, holding a Series 66 designation with three years of industry experience. His prior roles include positions at First Command Insurance Services, First Command Brokerage Services, Tatonduk Outfitters Ltd., and Scoobeez, Inc. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs, managing portfolios through a centralized Investment Management Team and Wealth Portfolio Managers who select approved third-party managers.

Kristin Carlton is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Savant Wealth Management. Prior to joining Savant in 2026, she spent a combined ten years at Exencial Wealth Advisors, where she remains an equity partner. She serves on the board of the San Antonio Estate Planner Council in an unpaid role. Savant Wealth Management provides comprehensive wealth management, financial planning, and related services to individuals, families, institutions, and high-net-worth clients. The firm combines evidence-based asset allocation with actively managed strategies and maintains integrated accounting, legal, and trust services through affiliated entities.

Sean Collins is a financial advisor with Creative Planning in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at USAA Financial Planning Services and USAA Investment Services Company. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supplemented by specialized approaches such as direct indexing and tax-loss harvesting.

Joseph Rodriguez is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Transamerica Financial Advisors since 2012. He has also been associated with World Financial Group since 2005 and founded Rodriguez Holland & Co in 1981. Outside of advising, he is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes a model portfolio and third-party manager approach through multiple platforms such as Transamerica ONE and TFA365, managing approximately $1.7 billion in regulatory assets under management.

Edward Gonzales Jr. is a CFP®-credentialed financial advisor with 32 years of industry experience, currently with Schwab Wealth Advisory, Inc. since 2026. His prior experience includes roles at Charles Schwab & Co., Charles Schwab Bank, USAA Investment Management Company, USAA Financial Planning Services, USAA Financial Advisors Inc., and Ameriprise Advisor Services, Inc. He is based in San Antonio, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Fernanda Novaes is a financial advisor at Corient in San Antonio, TX, holding Series 63 and Series 66 designations with 20 years of industry experience. She previously worked at Intercontinental Wealth Advisors LLC and Intercontinental Asset Management Group, Ltd. from 2012 to 2023. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and incorporates risk management tools, alternative investments, and private fund allocations as appropriate.

John Kauth III is a financial advisor at Corient with 39 years of industry experience. He holds a Series 63 designation and has worked in various capacities including over two decades at Intercontinental Wealth Advisors LLC before joining Corient. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm employs a goals-based, team approach to portfolio management, integrating proprietary strategies with third-party manager solutions and advanced risk management tools.

Raymond Frueboes is a CFP® professional with 10 years of experience in the financial industry. He currently works at Sequoia Financial Group, L.L.C. and has previously held positions at TIAA, Citigroup Global Markets, Charles Schwab, and Fidelity Brokerage Services. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and consulting services to a diverse clientele, including individuals, family offices, corporations, and charitable organizations. The firm uses a combination of model portfolios and custom solutions overseen by an Investment Policy Committee and employs a variety of investment vehicles such as mutual funds, ETFs, individual securities, and private investments.