Kristen Palme is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 63 designation and 27 years of industry experience. She has been with Ameriprise since 2005, initially with Ameriprise Financial Services, Inc., and continues her role through the main firm since 2020. Outside of her advisory work, she serves as president of the Junior League of San Antonio and is a board member of the North East Educational Foundation. 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 recommendations and ongoing planning centered on dependable income and tax-aware withdrawal strategies for clients nearing or in retirement.

Alexandra Cavazos is a financial advisor at LPL Financial with 12 years of experience in the industry. She holds the Series 66 designation and has worked at LPL Financial and AC Financial since 2014. In addition to her advisory work, she is involved with Anarte Gallery, an outside business activity based in San Antonio. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios, emphasizing both discretionary and non-discretionary strategies supported by research and technology tools.

David Coolbaugh is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 35 years of industry experience. His prior roles include positions at Citigroup and USAA Investment Management Company. Fidelity’s Strategic Advisers LLC, where he works, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Miguel Aguilar is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with several construction and electrical firms and owns AMS Mechanical and Aggielar Management Solutions, both non-investment related businesses. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Roger Garza is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He is based in San Antonio, TX. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling methods such as Monte Carlo simulations as part of its financial planning process.

Massimo Gerosa is a financial advisor at Merrill in San Antonio, TX, holding Series 63 and Series 66 credentials with seven years of industry experience. His prior roles include positions at Texas Partner Bank and Wells Fargo. Outside of finance, he is a self-employed pianist and serves on the boards of the Crews Kolodzey Foundation and the Lockhart Economic Development Corporation. 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 and profit-sharing plans, corporations, and charitable organizations.

Andrea Miller is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 19 years of industry experience, all with Merrill since 2007. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Alfredo Santos Sr. is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at USAA Investment Management Company, USAA Financial Planning Services, and USAA Financial Advisors, Inc. since 2011. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and due diligence on alternative investments.

Diane Diaz is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Merrill since 1985. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

F Michael Wood Jr. is a Private Wealth Advisor at Merrill Private Wealth Management. He leads the Nelson Wood Nelson team, working closely with nonprofits, endowments, businesses, and ultra-high-net-worth families to address diverse financial needs. Michael assists institutional and individual clients in managing liabilities and liquidity and coordinates efforts among clients' tax and legal advisors to promote a cohesive wealth management strategy. Michael began his career at Accenture in business and strategy consulting. He holds a B.S. in Civil Engineering from The University of Texas at Austin and an M.B.A. in Finance from Rice University's Jesse H. Jones School of Management. He holds several professional designations including Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), and Certified Financial Planner (CFP). Active in his community, Michael is past president of the Children’s Bereavement Center of South Texas and serves as Co-Chair of its advisory board. He is also a current board member of The San Antonio Academy and a past board member of the San Antonio Zoo. Michael enjoys fishing, golfing, hiking, hunting, and spending time with his wife, Jodi, and their two children.

Ryan Ortiz is a financial advisor with Merrill in San Antonio, Texas, holding a Series 66 designation and 10 years of industry experience. He has worked with Bank of America, N.A. since 2016 and has been associated with Merrill since 2014. Ortiz also teaches part-time at the University of the Incarnate Word. 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 a range of individual and institutional clients.

Matthew Rose is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s Institutional Consulting Services program offers non-discretionary advice delivered by a select group of Wealth Advisors.

William Sammons is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Outside of his advisory role, Sammons is a partner at HYGGE Ranch LLC, a real estate business in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and firm‑approved tools to model outcomes without providing individual security recommendations in standalone planning.

Jennifer Taylor is a Series 66 licensed financial advisor at Edward Jones with five years of experience at the firm. Prior to joining Edward Jones, she was involved with the First Baptist Church of La Vernia for three years and spent five years as a stay-at-home parent. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large national network of financial advisors and branch offices.

Robert Arteaga is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. His career includes roles at MML Investors Services Inc, MassMutual, Investment Professionals, Inc., and Ameriprise Financial Services, Inc. He has been with Ameriprise since 2018. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored retirement income recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.

Caleb Smith is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Clearview Eastern, and various educational institutions in San Antonio. He has also worked in the automotive and service industries and spent six years teaching at the middle and high school levels. 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, and institutions.

William Lissau is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Merrill since 2009 and has been affiliated with Bank of America, N.A. since 2004. Lissau serves as a trustee for the Lew Wentz Foundation, a charitable organization providing loans and scholarships to students at the University of Oklahoma. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, utilizing model-based and discretionary strategies for a diverse range of individual and institutional investors.

Fernando Cano is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 63 designation and has worked at Bank of America and Merrill since 2015. He is based in San Antonio, TX. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Samuel Haley is a Series 66-registered financial advisor with Raymond James & Associates in San Antonio, TX, where he has 18 years of industry experience. He has been with Raymond James since 2008. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, pension plans, and charitable organizations, offering financial planning and investment consulting primarily through non-discretionary strategies supported by extensive research and portfolio management options.

Janis Gonzalez is a financial advisor at Fidelity with seven years of industry experience. She previously worked at JP Morgan Securities LLC and Hot Noize before joining Fidelity in 2025. Gonzalez holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.