Judith Phu is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Victory Capital Services, Inc., Victory Capital Management, Inc., Money Concepts Capital Corp, and New York Life Insurance Co. Phu is the founder of Ministerio de Misericordia, a financial literacy program supporting individuals leaving abusive situations. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with broker-dealer execution and custody services.

Xienh Ly is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citi since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and holds distinctive market roles including operating as a swap dealer and futures commission merchant.

Rodrigo Alvarez is a financial advisor at PNC Wealth Management in San Antonio, TX, holding Series 63 and Series 66 licenses with two years of industry experience. His work background includes positions at PNC Investments and PNC Bank. Outside of finance, he has been employed at Walmart for several years. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven portfolio strategies and third-party management.

Charles Mercer IV is a financial advisor with Citigroup Global Markets in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Citibank NA since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor investment managers, and it combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Cindy Crow is a financial advisor at First Command Advisory Services with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with First Command in various related roles since 2012. She is based in San Antonio, TX. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, delivering investment management through a centralized team that selects model portfolios and third-party managers from approved lists.

Konrad Kuykendall is a financial advisor with Independent Financial Partners in San Antonio, TX, holding a Series 66 designation and 23 years of industry experience. He has worked with IFP Securities, LLC since 2019 and with Independent Financial Partners since 2016, including a prior role at LPL Financial. Outside of advising, Kuykendall serves as a board member of the LARK Family Foundation, a charitable giving organization. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform providing both discretionary and non-discretionary account management, with notable expertise in retirement-plan advisory and pension consulting services.

Elizabeth Braman is a financial advisor at First Command Advisory Services with four years of industry experience. She holds a Series 66 credential and has been affiliated with First Command Insurance Services, Advisory Services, and Brokerage Services since 2022. Outside of her advisory role, she operates a violin instruction business and works as a travel agent specializing in Disney vacations. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Robert Budraitis is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds the Series 66 designation and has worked in roles at USAA Financial Planning Services, Usaa Investment Management Company, Charles Schwab & Co, and Charles Schwab Bank. Outside of his advisory work, he is co-owner and partner of ASVB LLC, an online retail and print-on-demand business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm offers integrated services linked to Empower’s administrative platforms, including point-in-time financial plans and optional managed account solutions.

Kurt Steves is a financial advisor at Luther King Capital Management Corporation with 21 years of industry experience. He holds Series 63 and Series 65 designations. His prior roles include positions at TCBI Securities, Texas Capital Bank, Suntrust Robinson Humphrey, Fifth Third Securities, and J.P. Morgan Securities Inc. Luther King Capital Management Corporation serves a range of clients including individuals, trusts, foundations, pension plans, and government entities. The firm employs fundamental, bottom-up analysis across multiple asset classes and manages a variety of portfolios, mutual funds, and private investment vehicles.

Eric Rodriguez is a financial advisor with PNC Wealth Management in San Antonio, TX, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. His career includes roles at BBVA Wealth Solutions, BBVA Securities, COMPASS Bank, and BBVA Compass Insurance Agency. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including a discretionary digital portfolio solution currently in an employee-only pilot phase. The firm uses algorithmic tools for risk assessment and relies on third-party managers for portfolio implementation and oversight.

Robert Armendariz III is a financial advisor with Eagle Strategies (NY Life) based in San Antonio, TX. He holds Series 63 and Series 65 licenses and has eight years of industry experience. He operates Presidio Wealth Strategies, through which he brokers non-registered insurance products in addition to his advisory work. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services, offering tailored recommendations across multiple program types within the New York Life affiliate structure.

Robert Deming is a financial advisor with Independent Financial Partners in San Antonio, TX, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. His career includes roles at MSI Financial Services, LPL Financial, and IFP Securities. Beyond his advisory work, Deming serves as president of the board for Friends of Enchanted Rock and holds board positions with several nonprofit organizations focused on community support and historical preservation. Independent Financial Partners is a nationwide firm offering investment advisory, financial planning, trust, and retirement-plan services through a decentralized model. The firm serves individual, charitable, corporate, and high-net-worth clients with a focus on retirement-plan advisory, pension consulting, and compliance with Department of Labor rollover guidance.

Jeremy Thompson is a Series 66-licensed advisor at Citigroup Global Markets with three years of industry experience. He has been with Citibank since 2019 and has prior work experience at Revamped Home Security and TruGreen Lawn Care. Citigroup Global Markets serves individual and institutional clients through multiple wealth management platforms, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and supports complex, large-scale client relationships with bespoke discretionary solutions.

Marisa Decker is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Bank of America, Merrill, and Wells Fargo entities. Outside of her advisory role, she owns a sole proprietorship called Stardust and Vagabonds that sells hand-painted hats online and at craft shows. 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 for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Immenschuh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with business owners, professionals, and their families, employing a comprehensive client-centered approach to wealth management. His team delivers personalized strategies focused on growth, accumulation, preservation, and transfer of wealth. He aims to collaborate with clients to develop customized financial plans aligned with their priorities and goals. Tom's expertise includes retirement planning, wealth management and preservation, concentrated stock and options, company-sponsored plans design and refinement, corporate cash and treasury management, liability management, and trust, estate, and insurance planning services. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tom is a graduate of the University of Texas at San Antonio with a BBA in Finance and a minor in Accounting. He served in the United States Air Force from 1982 to 1986, continued in the Air Force Reserve until 1995, and was activated for Desert Shield and Desert Storm. In the San Antonio community, Tom has served on the Board of Any Baby Can, The ARC of San Antonio, and the Texas Planning Council Partners in Policy Making. He volunteers for the Central Catholic School Golf Team and has been involved with organizations such as Catholic Charities of San Antonio and Oak Hills Country Club. He resides in Castle Hills with his wife Charlotte Gallagher Immenschuh and their three sons, Evan, Ian, and Owen.

Dominic Stanford is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various divisions of JPMorgan Chase since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and integrates an ESG eligibility framework when recommending strategies.

Taylor Finley is a financial advisor with Cambridge Investment Research Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and having nine years of industry experience. He has been with Cambridge Investment Research, Inc. since 2016 and operates Finley Financial Services concurrently. Finley serves as secretary and board member of the Tivy Athletic Booster Club and is involved in fundraising activities for Hill Country College Fund. Cambridge Investment Research Advisors is a large SEC-registered adviser that serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing a variety of portfolio management and model-based strategies across multiple platform arrangements.

James Bradford is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked in the education sector within several school districts and at Texas A&M University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Douglas Bock is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for six years before joining Ameriprise in 2022. Outside of his advisory role, he is involved in independent insurance brokering and serves as a financial advisor for Randolph Brooks Federal Credit Union. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to create tailored recommendations.

David La Grange is a financial advisor at Merrill in San Antonio, TX, holding a Series 66 designation. He has experience working at Enfra and Precision Food Innovations prior to joining Merrill and Bank of America in 2026. 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.