Jo Dyer serves as a Resident Director at Merrill, bringing more than a decade of experience as a Certified Public Accountant to her role as a financial advisor. She focuses on legacy planning, personal retirement planning, women and wealth, tax minimization, and retirement income. Jo strives to be the primary resource for high-net-worth families seeking guidance on creating and executing their financial goals for today and future generations. Her professional expertise includes working with business owners, wealth creators, and multi-generational families to develop personalized strategies that involve trust and estate planning, in collaboration with clients' accountants, attorneys, and other professional advisors. While Jo utilizes her CPA background to inform her guidance, she does not provide tax advice in her capacity at Merrill. Jo holds a Bachelor's degree from Texas A&M University System and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). She is also involved in her community as a Better Money Habits Champion and volunteers with CASA of the Highland Lakes. Outside of work, Jo enjoys spending time with her family, playing tennis, and practicing yoga.

Nils Eric Florander is a Series 66 licensed financial advisor with Edward Jones, based in Marble Falls, TX. He has 10 years of industry experience and has been with Edward Jones since 2015. He also has a concurrent role at Baylor University since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Paul White is a financial advisor at Edward Jones in Marble Falls, TX, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2015. Outside of his advisory role, White serves as an advisory board member for Heart of the Hills Pregnancy and Family Resources and is president of the school board at St. John Bosco High School in Fredericksburg, TX. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

William Lynch IV is a financial advisor at Edward Jones with five years of industry experience. He has worked at Edward Jones since 2020 and previously spent eight years at Lennar Homes Corporation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Thomas Moore is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Securities Corporation for nine years. He is also involved in several business ventures, including ownership of a retail floral and gift shop and participation on the board of a grief support group for parents who have lost children. OSAIC serves a diverse client base comprising individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage a wide range of investment options.

Cray Martin is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 1998. Outside of his advisory work, he owns and operates CR Martin Ranch, a private cattle production and agricultural enterprise. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings that include fee-based financial planning and portfolio management.

George Williams is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 65, Series 63, and Series 66 designations. His prior experience includes roles at Empower Wealth and Tax, Travis County, LPL Financial/Strategic Financial Concepts, MSI Financial Services, New England Securities, Chase Investment Services, Edward Jones, and Ameriprise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Frank Winford Sr. is a financial advisor at Raymond James & Associates with 36 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Raymond James since 2016. Outside of his advisory role, he serves as a trustee for two family trusts. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and municipalities. The firm provides tailored, non-discretionary financial planning and investment consulting supported by a wide range of portfolio management styles and affiliated research.

Brian Surovik is a financial advisor at Ameriprise Financial Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2018, previously working at Investment Professionals, Inc. from 2016 to 2018. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Paul Fredrickson is a CFP® professional with 12 years of industry experience. He has been with Edward Jones since 2015 and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Charles Bowen is a financial advisor at Cetera with 40 years of industry experience. He holds a Series 63 designation and has held roles at Cetera Wealth Services, Summit Financial Group, and other firms. Outside of advising, Bowen is involved in ranching operations and serves as a committee member for an educational trust that awards scholarships to high school students. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial relationships.

Mitchell Rivers is a CFP® with 18 years of experience, currently serving as a financial advisor at Edward Jones since 2007. He holds a Series 66 license and is based in Marble Falls, TX. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of discretionary and non-discretionary investment strategies, managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Kaitlin Lewis is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals and families to help navigate important financial decisions and create personalized strategies designed to support their long-term goals. Kaitlin focuses on clarity in financial planning, assisting clients in understanding complex financial topics and gaining confidence in their decisions. Before joining Merrill, Kaitlin gained experience in banking and lending, which provided her with a broad perspective on how investments, cash flow, and credit decisions integrate within a comprehensive financial strategy. She also served in Military Intelligence as a linguist and analyst in the United States Army, where she developed analytical discipline and attention to detail that inform her approach today. Kaitlin's expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, and women and wealth. Kaitlin earned a Bachelor of Business Administration from The University of Texas at San Antonio and holds the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. Outside of her professional work, Kaitlin enjoys cooking, reading, skiing, spending time with her family, traveling, and practicing yoga.

Christine Buckley is a financial advisor with Edward Jones in Marble Falls, TX, holding a Series 66 designation. She began her career at PwC in 2018, followed by five years at Faske Lay & Co., before joining Edward Jones in 2025. 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 offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jimmie Stark Jr. is a CFP®-credentialed financial advisor with Edward Jones in Marble Falls, TX, bringing 12 years of industry experience. He has worked at Edward Jones since 2014. Outside of finance, Stark has served as a basketball official since 1990. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of managed solutions, separately managed accounts, and affiliated funds, supported by a large national network of advisors and branch offices.

Corey Skahill is a financial advisor with Edward Jones in Marble Falls, TX, holding the ChFC® designation and Series 66 license. He has 15 years of industry experience and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Ronald Jernigan is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. His prior experience includes roles at National Planning Corporation and Sigma Financial Corporation. LPL Financial is a national investment adviser and broker-dealer serving individual and institutional clients with a wide range of financial planning and advisory programs, including retirement plan consulting and model portfolio management.

Kenneth French Sr. is a financial advisor with Edward Jones in Horseshoe Bay, TX, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. French also serves as a board member of the Victoria Lay Person Pension Board, where he participates in setting investment policy for a retirement fund. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Paul White is a CFP®-credentialed financial advisor with Edward Jones, based in Marble Falls, TX, with 26 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory work, he is the sole owner of a business office in Fredericksburg, TX. 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 offers a range of advisory and investment solutions, operating under a fiduciary standard.

Daniel Arrington is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 26 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously was with Summit Financial Group Inc. Outside of financial services, Arrington operates a fishing guide business in Texas and serves on a memorial scholarship selection committee. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, overseeing over $256 billion in assets through more than 10,000 advisors.