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.

Christopher Bingham is a financial advisor at Advisory Services Network with 25 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2000. Bingham also works as an independent insurance agent offering products through unaffiliated insurance companies. Advisory Services Network serves individuals, families, corporations, charitable organizations, and employer retirement plans. The firm’s network of independent advisers provides portfolio management, financial planning, investment and retirement-plan consulting, and third-party manager selection, overseeing approximately $8.6 billion in client assets.

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.

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.

Frank Bullinger Jr. is a financial advisor with Titleist Asset Management, LLC in San Antonio, TX, holding Series 63 and Series 66 credentials and 25 years of industry experience. He previously worked at Edward Jones for 19 years and Prospera Financial Services Inc. for 5 years. Outside of his advisory role, Mr. Bullinger serves on the boards of several nonprofit organizations, including St. Michaels Cemetery Association, Clay County Outreach, and Our Lady Queen of Peace Catholic Church. Titleist Asset Management provides investment management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, qualified employee plans, charitable organizations, and businesses. The firm customizes portfolios based on client objectives and employs a rules-based investing system overseen by an investment committee.

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.

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.

Dennis Janysek is a financial advisor with Frost Investment Services based in San Antonio, TX. He holds a Series 63 designation and has 29 years of industry experience. His prior work includes extensive tenure at Frost Brokerage Services, Inc. and Frost National 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 proprietary and third-party model portfolios through the Fidelity Managed Account Xchange platform.

Jason Santowski is a financial advisor with Frost Investment Services in San Antonio, TX, holding Series 65 and Series 63 credentials and bringing nine years of industry experience. He previously worked at Wells Fargo Bank NA for 15 years before joining Frost Investment Services and its affiliated entities in 2026. Frost Investment Services advises individual and corporate clients, including high-net-worth households, providing investment advisory and portfolio management services. The firm operates as an enterprise advisory platform with a notable affiliation to a banking institution and approximately 179 advisors managing about $3.7 billion in client assets.

Thomas Yager is a financial advisor at Sendero Wealth Management, LLC with 11 years of industry experience. He holds the ChFC® designation and Series 66 license. His prior experience includes multiple roles at Capital Group and American Funds from 2015 to 2025. Sendero Wealth Management is a partner-led registered investment adviser serving high net worth individuals, families, endowments, and institutions, typically those 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, supported by ongoing manager due diligence and a sub-advisor program.

Robert Malina is a financial advisor at Frost Investment Services with 10 years of industry experience. He holds a Series 63 designation and has worked at Frost Bank and Frost Brokerage Services Inc since 2014 and 2015, respectively. Outside of his advisory role, he serves on the board and finance committee of Austin Explore, a philanthropic organization. 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 multi-manager platform and incorporating fundamental, technical, and cyclical research.

Mark Travis is a financial advisor with Hilltop Securities Inc. in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He previously worked at SWBC Investment Services for 12 years before joining Hilltop Securities in 2023. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to individuals, corporations, nonprofit, and institutional clients. The firm manages approximately $2.25 billion in assets and offers a range of portfolio management programs through an open-architecture platform that includes adviser-managed and model-based solutions.

Frederick Middleton is a financial advisor at Sendero Wealth Management, LLC in San Antonio, TX, holding Series 63 and Series 65 licenses with 59 years of industry experience. He has been with Sendero and its affiliated entities since 2007. Outside of his advisory work, he has partial ownership in Los Amigos Ranch, a family ranch in Yancy, Texas. Sendero Wealth Management is a partner-led registered investment adviser serving high net worth individuals, families, endowments, and institutions, generally focusing on clients with $3 million or more in investable assets. The firm manages approximately $5.8 billion in assets and offers investment management, family office and foundation services, and multi-generational legacy planning through an open-architecture model combining strategic asset allocation, active and passive strategies, and alternative investments.

James Sanders is a financial advisor at Wealth Watch Advisors, Inc. based in San Antonio, TX, holding a Series 66 designation with nine years of industry experience. His prior experience includes seven years at Edward Jones. In addition to advisory services, he is a licensed insurance agent offering life insurance and annuities. Wealth Watch Advisors serves a diverse client base, including individuals, pension plans, trusts, charitable organizations, corporations, and other registered investment advisers. The firm employs a range of investment strategies vetted by its Investment Committee, utilizing third-party model managers and offering access to approved alternative private placements for accredited investors.