Varkey Babukutty is a CFP® and CPA with 32 years of experience in the financial services industry. He is currently with Cetera and has experience running his own firm, Babukutty Financial, since 2017. In addition to advising, he provides tax planning and tax return preparation services. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management and access to third-party money managers.

Travis Dock is a financial advisor with J.P. Morgan Securities in Sugarland, TX, holding Series 63 and Series 66 credentials and 13 years of industry experience. His prior positions include roles at Wells Fargo Clearing and Citizens Securities. Outside of his advisory work, he has interests as a landlord in rental property management. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Stephen Levine is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with Cetera and its affiliate firms since 2013 and is also the owner of Tradewins Financial, LLC. Outside of his advisory role, Levine participates in bass fishing tournaments as a sponsored fisherman. Cetera Investment Advisers LLC is a nationwide advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary strategies across multiple program structures.

Britton Noble is a financial advisor at LPL Financial with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Raymond James Financial Services. He also operates BNoble LLC and The Noble Group, entities related to his advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Eunice Gonzalez is a financial advisor with Merrill in Bellaire, TX, holding a Series 66 designation and four years of industry experience. She previously worked at Bank of America from 2006 to 2022. Outside of her advisory role, she is involved in a home healthcare business providing overnight care for a quadriplegic individual. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lyn Patterson is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities since 2012, also maintaining a long tenure at JPMorgan Chase Bank, N.A. since 1992. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm integrates institutional advisory operations with brokerage and investment management capabilities.

Philip Turner is a financial advisor with Primerica Advisors in Houston, TX, holding Series 65 and Series 63 credentials and five years of industry experience. His work history includes roles at Datasite, LLC., Primerica Financial Services, and Worldpay from FIS. Outside of advisory services, he is involved in sales of loan products through Primerica Mortgage and refers home security and automation services with a Primerica affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed mainly by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing, focusing on advisory services rather than institutional portfolio management.

Michael Nguyen is an Investment Consultant currently working at Fidelity Investments since 2026. He has previously held roles including Private Client Banker at JP Morgan Chase from 2025 to 2026, Independent Financial Advisor at Innovation Partners LLC in 2024, Investment Adviser Representative at Catalyst Wealth Management from 2022 to 2024, and Independent Financial Advisor at GWN Securities during the same period. He holds a California Insurance License, supporting his work in financial advising and investment consulting. Michael's professional approach emphasizes understanding clients' priorities to provide personalized guidance, ensuring they feel heard and confident in their financial decisions.

Steven Thorpe is a financial advisor with Morgan Stanley in Sugar Land, TX, holding a Series 66 credential and 14 years of industry experience. He previously worked at Merrill from 2011 to 2017 before joining Morgan Stanley and its affiliate Morgan Stanley Private Bank, National Association, where he has worked since 2017. Outside of his advisory role, Thorpe serves as a board member of the Valley Village Dad's Club in Houston, Texas. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by advanced analytical tools.

David Gura is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, based in Sugar Land, Texas. He has been with Merrill Lynch since 1999 after a 19-year career in the energy industry with Schlumberger. David works with a select group of clients to help them achieve their financial goals, offering personalized advice and access to specialized investment services tailored for sophisticated investors. He regularly meets with clients to ensure their financial strategies align with their personal circumstances. David holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and also holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) certifications. He earned his bachelor's degree in electrical engineering from Worcester Polytechnic Institute. He resides in Sugar Land with his wife and four dogs. David and his team are involved in community activities, supporting charitable organizations including the Fort Bend County Animal Shelter, Citizens for Animals of Midland Odessa (CAMO), and Saving our Companion Animals (SOCA). His client focus areas include college education planning, family wealth management strategies, retirement planning, portfolio management services, and tax minimization.

Serena Sneeringer is a financial advisor at Ameriprise with 11 years of industry experience. She holds the Series 66 designation and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to produce personalized recommendation reports, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated team.

Dale Heysse is a financial advisor with UBS Financial Services in Sugar Land, TX, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has worked at UBS since 2020 and previously at Bank of America and Merrill from 2014 to 2020. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a range of capital markets services supported by proprietary research and model-based asset allocation strategies.

Ian Hass is a financial advisor with LPL Financial, holding Series 66 and Series 63 designations and 21 years of industry experience. His prior roles include positions at Thornburg Securities Corp. and Blackrock Investments, Inc. He is a partner in IHSM Properties LLC, a partnership noted in regulatory filings. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management alongside model portfolios and research from internal and third-party sources.

Rusty Hanna is a financial advisor with J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, NA since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrea Hendon is a financial advisor with J.P. Morgan Securities LLC holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Merrill and Edward Jones. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Ritchie Nuncio is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2019 and previously spent six years at Merrill. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Bott is a financial advisor with Cetera, holding the PFS™ and Series 63 designations and bringing 38 years of industry experience. His prior work includes long tenure at Avantax Advisory Services and its related entities, along with experience at Coopers & Lybrand. Outside of his advisory role, he serves as Vice President at Kenwood & Associates, PC CPA's, focusing on tax preparation and accounting. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and retirement services, overseeing more than $256 billion in assets through over 10,000 advisors.

Lisa Washington is a financial advisor with LPL Financial, holding a Series 63 designation and 35 years of industry experience. She previously worked at Waddell & Reed, Inc. and various insurance carriers over a 32-year period before joining LPL Financial in 2021. Outside of her advisory role, she is an agent for a non-variable insurance business serving clients in their homes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and model portfolios, with both discretionary and non-discretionary management options.

Yaqi Li is a financial advisor with J.P. Morgan Securities in Sugarland, TX, holding Series 63 and Series 66 designations and bringing nine years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Li worked at Bank of America/Merrill Lynch and AIG. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, delivering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis.

Jeffrey Gulitus is a CFP® and ChFC® with eight years of industry experience. He has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked at Infinity MEP and WSP, where he was involved in mechanical, electrical, and plumbing design projects. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and maintaining a large network of financial advisors and branch offices nationwide.