Marc Hebert is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he is a co-owner of a family rental property business in East Hampton, Connecticut. Merrill, along 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, and institutional investors.

Robert Nerio is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and previously worked for Bank of America, N.A. for ten years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a tailored advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its investment process and offers capabilities in derivatives and commodities through its broader regulatory registrations and affiliations.

Gloria Dowiak is a financial advisor with Cambridge Investment Research Advisors in Houston, TX, holding a ChFC® designation along with Series 63 and 65 licenses. She has 23 years of industry experience, including prior roles at LPL Financial and Valic Financial Advisors. She serves as a board member for the Huntington Village Community Association, a homeowners association. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Duane Horne is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at Prudential Insurance Company of America since 1993 and joined LPL Enterprise in 2024. His activities include selling term life insurance, fixed annuities, disability insurance, and long-term care insurance. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven portfolio management and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Danyel Ramelow is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Edward Jones since 2002. Based in Houston, TX, Ramelow holds Series 63 and Series 66 licenses. Outside of advising, Ramelow is involved with Common Knowledge Inc., a business specializing in leasing survey applicant databases. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices nationwide.

David Altemus is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, Morgan Stanley, 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 institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Franklin Fortney is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has prior experience at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a partner in private equity and energy investment partnerships and participates on the event committee for the SEAL Legacy Foundation, a nonprofit supporting families of U.S. Navy SEALs. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities and wealth management through proprietary research and model-based asset allocations.

Sandor Takacs is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 designations and 20 years of industry experience. His career includes prior roles at Capital One Advisors, Edward Jones, and Wells Fargo Investments. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers a range of brokerage and advisory solutions supported by extensive research and analytics.

Timothy Wells is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at The Vanguard Group, Bank of Oklahoma Financial, and Wells Fargo Bank. Outside of advising, he has served as an independent contractor teaching Bible classes at Garden Oaks Church of Christ and operates a coaching and consulting business, The Infinite Executive. Fidelity Strategic Advisers LLC, where he works, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Stephen Heller is a financial advisor with Edward Jones in Kingwood, TX, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Edward Jones since 2003. 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 provides a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cassidy Wilson is a financial advisor at Thrivent Investment Management with seven years of industry experience. She holds a Series 66 designation and has been with Thrivent and its affiliated entities since 2014. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering one-time or ongoing planning engagements focused on topics such as retirement, income tax, estate, and business continuation planning. The firm combines holistic, goal-based analyses with managed-account options under a consolidated billing approach, while keeping planning and portfolio management services separate.

Seth Bailey Dudley is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Fidelity Investments and AIG Retirement Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program combines quantitative and qualitative research with forward-looking capital market assumptions to support its recommendations.

Michelle Engalla is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 26 years of industry experience. She has worked with J.P. Morgan Securities since 2012 and has prior experience at Raymond James Financial Services and Chase Investment Services Corp. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The program incorporates centralized due diligence and may include ESG criteria in its recommendations.

Braden Witham is a financial advisor at Fidelity with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Fidelity, he worked at Charles Schwab and has held various roles outside the financial sector. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its work with registered investment companies, use of AI-driven methodologies, and role in developing model portfolios for Fidelity Institutional Wealth Adviser.

Robert Rosenbaum is a financial advisor at Merrill based in Houston, TX, holding a Series 66 designation with four years of industry experience. His prior work includes roles at Bank of America, Premium Retail Services, and Best Buy Co. Inc. 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 plans, corporations, and charitable organizations.

Lee Gibson is a financial advisor with Cetera, holding a Series 66 designation and 14 years of industry experience. He has worked at Cetera and its related entities since 2025 and previously spent 12 years at Concourse Financial Group Securities Inc. In addition to his advisory role, Gibson is involved in manufacturing and sales of a proprietary design product under a commission agreement. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Craig Zumpano is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works alongside clients and their families to help achieve their financial goals, whether that involves planning for retirement or managing significant financial events. Craig focuses on creating personalized financial strategies tailored to each client's long-term objectives, addressing areas such as family wealth management, retirement planning, philanthropic and socially responsible investing, individual and corporate investment strategies, tax minimization, and retirement income. Craig holds the Professional Investment Advisor (PIA) designation. He graduated from Columbiana High School and the University of Pittsburgh. Throughout his career, he has embraced Merrill's tradition of community involvement, dedicating significant time to volunteering. He has been a member and volunteer with the Knights of Columbus for 26 years, serving in leadership roles such as Trustee, Deputy Grand Knight, and Grand Knight. Additionally, Craig has contributed over 25 years to the Houston Livestock Show and Rodeo Metro Go Texan committee, where he has held multiple leadership positions including Assistant Captain, Captain, Vice Chairmen, Historian, and Coordinator. Outside of work, Craig enjoys biking, fishing, golfing, horseback riding, running, yoga, and spending time with his family.

Brent Mitcham is a CFP®-certified financial advisor with 10 years of industry experience, currently affiliated with Cetera. He previously worked at Concourse Financial Group Securities Inc for nearly a decade and operates his own financial planning business, Strategic Financial Advisors. In addition to advising, he is involved in managing business operations and estate planning through Mitcham Advisors LLC and offers life, fixed annuity, and health insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary strategies with access to affiliated and third-party money managers.

Michael Olario is a financial advisor with J.P. Morgan Securities in Houston, TX, holding Series 65 and Series 66 credentials and 17 years of industry experience. His prior work includes roles at Bank of America, Merrill, Waddell & Reed, and Ameriprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations, incorporating an ESG eligibility framework where applicable.

William Buchanan is a financial advisor with OSAIC based in Houston, TX, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has previously worked at Royal Alliance Associates, Inc. and VOYA Financial Advisors. Buchanan is involved in several business activities, including serving as a senior financial advisor at Altus Consulting Group and as a partner at Edge Private Wealth. OSAIC Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach includes model-based asset allocation and portfolio optimization, supporting discretionary management and third-party strategies.