Luke Scamardo is a CFP® and holds a Series 66 license with 22 years of experience in financial advising. He has been the sole advisor and principal of Scamardo Financial LLC since 2004. Scamardo Financial LLC provides portfolio management, financial planning, and pension consulting services primarily to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm emphasizes a long-term investment approach driven by fundamental analysis and operates mainly on a non-discretionary basis, requiring client approval before implementation of recommendations.

Matthew Schwegman is a CFP® professional with 14 years of industry experience, operating as the sole advisor at ComposedPro, Inc. He also serves as CFO of Made in the Shade, a franchisor of custom window treatments, where he oversees financial, accounting, and tax activities. Additionally, he is president of two related businesses providing tax preparation and small business consulting services. ComposedPro, Inc. is an independent wealth management firm serving approximately 50 clients with financial planning, portfolio management, retirement-account advice, estate planning support, and access to alternative investments. The firm’s approach emphasizes goals-based planning, fee and tax reduction through disciplined portfolio construction, and specialized separately managed account solutions.

Hello, my name is Chris Reddick. I am a fee-only Financial Planner and Chris Reddick Financial Planning, LLC owner since 2019. My firm specializes in advice-only investment, retirement, and financial planning for professionals in corporate, education, and public service careers. I am a CERTIFIED FINANCIAL PLANNERTM professional, the industry's highest standard for personal financial planning. Chris also holds the IRS’s Enrolled Agent (EA) elite credential, as evidence of his expertise in tax planning. I am a goal-based financial planner. We establish goals together, track progress in accomplishing your goals, and celebrate your wins. So, if you are looking for a financial planner that holds you accountable for getting results, I am the one for you! I was born and raised in Canada and earned an MBA in Business Studies at the University of Guelph. I earned a Ph.D. in Political Science from the University of Sheffield in the United Kingdom. In 2000, I moved to the U.S. to begin my university teaching career at Murray State University in Kentucky. I am a full professor at the University of Texas at San Antonio and have taught, among other subjects, a graduate-level course in economics since 2001. In addition, I have 11 years of management experience as a department chair and author of numerous books and articles on technology, finance, and other management subjects.

Loretta Heffron is a financial advisor at ENDURE Retirement LLC in San Antonio, TX, with 11 years of industry experience. She holds a Series 65 designation and previously worked at Redhawk Wealth Advisors, Inc. from 2015 to 2018. Outside of her advisory role, she is involved as an independent producer in group health. ENDURE Retirement LLC specializes in retirement plan consulting and non-discretionary investment advisory services for employer plan sponsors and individual clients. The firm focuses on pension and profit-sharing plans, providing ERISA 3(21) investment advice, plan monitoring, fee benchmarking, and participant education, primarily operating on a non-discretionary basis.

Ernest De La Rosa Jr. is a financial advisor at Visionary Wealth Partners LLC with seven years of industry experience. He holds a Series 66 designation and has worked at several firms including Mass Mutual Investors Services, Equitable Advisors, and Merrill. In addition to his advisory role, he is an independent insurance agent specializing in life, disability, employee benefits, and fixed annuities. Visionary Wealth Partners LLC provides investment management, financial planning, and retirement-plan consulting to clients such as trusts, estates, charitable organizations, corporations, and pension and profit-sharing plans. The firm emphasizes passive investment strategies using diversified, low-cost index funds and ETFs, asset allocation, and tax-aware portfolio management, and offers advisory services on assets held within insurance products.

Qing Selby is a CFP® professional with 12 years of industry experience, currently serving as the sole advisor at Relyon Financial Advisors, LLC in San Antonio, TX. He has led Relyon Financial Advisors since its founding in 2015. Outside of his advisory role, he is involved in IT strategic consulting and program management and acts as a trustee for the Selby Family Trust. Relyon Financial Advisors is an independent, fee-only registered investment adviser that offers financial planning, discretionary wealth management, and limited-scope consulting to individuals, families, corporations, nonprofits, and retirement plans. The firm employs a quantitative, evidence-based investment process featuring a proprietary daily algorithm combined with Modern Portfolio Theory, focusing on low-cost mutual funds and ETFs with ongoing portfolio oversight.

Kristopher Gallow is the sole advisor at Ghost Strategies LLC, an independent firm based in San Antonio, TX. He holds a Series 65 designation and has one year of industry experience. Prior to founding Ghost Strategies in 2023, he worked at Torres Financial Services Inc. and currently holds a role at Toast Inc., a software company where he serves as an Operations Specialist. Ghost Strategies LLC provides portfolio management and investment advisory services to individual clients. The firm operates as a small, solo practice with approximately $1.0 million in assets under management, combining portfolio management with underwriting experience to inform investment analysis.

Roger Graham is a financial advisor at Braintrust Capital, LLC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and UBS Financial Services. Braintrust Capital, LLC provides investment advisory and financial planning services to individual investors and employer-sponsored retirement plans. The firm offers asset management, comprehensive portfolio management, standalone financial planning, and retirement plan consulting, employing fundamental, technical, quantitative, and sector analysis in its investment process.

George Fisher is a financial advisor at Boynton Financial LLC in San Antonio, TX, with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Boynton Financial since 2011. In addition to his advisory work, Fisher is involved in the sale of fixed insurance and annuities through Allianz. Boynton Financial serves individuals, families, and professionals by providing fee-based asset management, retirement planning, and access to securities, partnership interests, insurance products, and annuities. The firm employs a risk-profile-based approach with monthly reviews and offers multiple billing options, operating as a small, solo practice with limited custody arrangements.

Herbert Palm Jr. is the sole advisor at HMP Capital Management, LLC, holding a Series 65 license with 16 years of industry experience. He has worked at Dan A Hughes Company, LP since 2011 and founded HMP Capital Management in 2008. HMP Capital Management is a state-registered investment adviser that provides discretionary portfolio management to individual and high-net-worth clients. The firm focuses on customized equity, fixed-income, and special-situation strategies, employing leverage, margin borrowing, and derivatives within a performance-based fee structure.

Mary Fitzgerald is the sole advisor at Financial Edge in San Antonio, TX, holding a Series 63 designation with 36 years of industry experience. She has been with Financial Edge since 1989. Outside of advisory work, she serves as president of MBA Financial Edge Inc., an accounting and tax service firm. Financial Edge primarily serves individual clients, including some high-net-worth individuals, retirement plans, and small businesses. The firm provides comprehensive financial planning, portfolio management, income tax preparation, and pension consulting, with an investment approach focused on asset allocation and global diversification through passively structured mutual funds.

Helping Business Executives, Military Veterans, and Young Professionals Build Lasting Financial Security and Financial Peace of Mind. Independent. Fee-Only. Fiduciary. Lifetime Financial Planners is a fiercely Independent, Fee-Only, Fiduciary, Financial Planning, Investment Management, Tax Planning advisory firm. We guide Executives, Military Veterans, and Young Professionals through a proven 7-Step Financial Planning Process. Personalized Financial Planning for Every Stage of Life A Personalized Financial Plan should coordinate every aspect of your financial life, and not treat each decision independently. Depending on your needs, your customized financial plan may include: • Cash Flow & Spending Planning • Investment Management • Multi-Year Tax Planning Strategies • Retirement Income & Distribution Planning • Executive Compensation & Equity Compensation Planning • Social Security Optimization Strategies • Insurance & Risk Management Planning • Liquidity & Credit Planning • Education Planning • Charitable Giving Strategies • Estate, Legacy & Family Wealth Planning By integrating each of these areas into one comprehensive strategy, we help ensure that every financial decision supports your long-term goals. Executive Compensation Planning For many business executives, compensation extends far beyond base salary. Stock Awards, Deferred Compensation Plans, and Executive Benefit Programs can create tremendous opportunities, but they also create significant tax complexity and financial planning decisions. Lifetime Financial Planners helps clients develop coordinated strategies for: • Restricted Stock Units (RSU) • Stock Appreciation Rights (SAR) • Nonqualified Stock Options (NQSO) • Incentive Stock Options (ISO) • Employee Stock Purchase Plans (ESPP) • Deferred Compensation Plans (DCP) • Net Unrealized Appreciation (NUA) • Concentrated Company Stock Why work with a Fee-Only CERTIFIED FINANCIAL PLANNER® professional? Anyone can call themselves a Financial Advisor, but not everyone is held to the Fiduciary Standard of Care. Independent, Fee-Only, Financial Planners combine advanced training, fiduciary ethics, and complete transparency to help you make confident financial decisions during every stage of life. Professional Credentials: Master of Science (M.S.) Degree in Personal Financial Planning CERTIFIED FINANCIAL PLANNER® Professional Chartered Retirement Planning Counselor (CRPC®) Austin & San Antonio, TX Metro Area & Nationwide

Omar Akhil is a financial advisor at Vaulkshire Investment Advisors with 12 years of industry experience. He holds a Series 65 designation and has been with Vaulkshire LLC since 2015. Outside of his advisory role, he owns Brainiac, LLC, a business focused on development, strategy, and tutoring, and is an investor and partner in Crave Market, LP, where he contributes to operations and strategy. Vaulkshire Investment Advisors is an independent registered investment adviser serving individual and high-net-worth clients, family offices, partnerships, and charitable organizations. The firm offers discretionary portfolio management alongside investment consulting, business planning, and financial consulting, employing a diversified investment approach that includes equities, fixed income, alternatives, and derivatives tailored to client objectives and market conditions.

Victor Larsen is a CFP® professional with 38 years of industry experience, currently serving as the sole advisor at Larsen Financial Management. His prior experience includes roles at Sensus Wealth Management Group, National Asset Management, National Securities Corp, and WFG Investments Inc. In addition to his advisory work, Larsen owns and operates a tax preparation and consulting business and is also active as an independent insurance agent and a realtor. Larsen Financial Management is an independent advisory firm providing discretionary asset management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and other business entities. The firm uses both fundamental and technical analysis and employs a range of strategies across multiple asset classes, typically under discretionary authority.

Larry Cooper is a CFA® charterholder with 43 years of experience in the financial industry. He is the sole advisor at L. Cooper Investments, an independent firm based in San Antonio, TX, where he has been providing advisory services since 1983. L. Cooper Investments offers discretionary investment advisory and portfolio management services to individual investors, trusts, estates, charitable organizations, and institutional clients. The firm employs both fundamental and technical analysis to manage a mix of long-term holdings and short-term trading strategies tailored to clients’ financial goals and risk tolerances.

David Nash is a CFP®, CFA®, and holds a Series 65 license with 14 years of experience in financial advisory. He has led Magister Wealth Group LLC in San Antonio, TX since 2014. Outside of his advisory role, he provides private music lessons and performances during evenings and weekends. Magister Wealth delivers investment advisory and planning services to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm offers customized portfolio management, financial planning, education classes, and business consulting, and manages its own wrap-fee program.

Heather Dorrestijn is a financial advisor at First Fidelity Wealth Management LLC in New Braunfels, TX, holding a Series 65 designation with four years of industry experience. Her prior roles include positions at Capital Income Solutions, LLC and AlphaStar Capital Management, LLC. She is also associated with First Fidelity Tax & Insurance, a business operating since 2000. First Fidelity Wealth Management, LLC provides discretionary portfolio management to individual and high-net-worth clients, employing a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation. The firm manages assets using model-based portfolios and offers integrated services through affiliated businesses in insurance, estate planning, and tax support.

Gregory Thompson is a CFP® with 26 years of industry experience, currently serving as an advisor at Stone Oak Wealth Management, LLC in San Antonio, TX. He has worked with Stone Oak Wealth Management since 2005, including a period at Titleist Asset Management, Ltd. from 2011 to 2017. In addition to his advisory role, he is an independent insurance agent. Stone Oak Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm offers discretionary and non-discretionary portfolio management, financial planning, and pension consulting, utilizing a combination of analytical approaches and trading strategies tailored to client objectives.

Ruth Rivera is a financial advisor at Crescendo Wealth Group LLC in Round Rock, TX, with 12 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for Resources Investment Advisors, Inc. for 10 years. In addition to her advisory role, she owns ARM, LLC, a consulting business focused on 401(k) administration and compliance for employer-sponsored plans. Crescendo Wealth Group provides ongoing portfolio management for individual clients and consulting services to pension and employee benefit plans. The firm uses a range of investment vehicles and manages accounts on a discretionary basis, employing long-term strategies informed by fundamental and quantitative analysis.

Teresa White is a CFP®-certified financial advisor with 40 years of experience, currently affiliated with Money Managers Inc. She has worked with LPL Financial LLC and Next Financial Group Inc. Prior to that, she spent over four decades at Money Managers Inc. White is also involved in non-variable insurance through her own agency. Money Managers Inc. serves individuals, small businesses, and investment company clients by providing discretionary portfolio and wealth management, financial planning, and pension consulting. The firm uses a combination of fundamental and technical analysis, modern portfolio theory, and active trading strategies, and is notable for sponsoring a wrap fee program and managing accounts for investment companies.