Jennifer Villarreal is a Series 66-credentialed financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. She previously worked at GWN Securities Inc. for nine years before joining Cambridge in 2024. Villarreal is also involved as an agent with Sequel Financial Group and serves as an advisory representative of an RIA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a variety of portfolio management and model-based solutions tailored to client objectives.

Michael Mireles is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Management, Northwestern Mutual, The Prudential Insurance Company of America, Pruco Securities LLC, and USAA Financial Planning Services. Outside of his advisory work, he is the owner of Coconut Charlies Vacation Rentals LLC, a business managing rental properties. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services through a select group of Wealth Advisors alongside affiliated brokerage, distribution, and investment management capabilities.

Joseph Gonzales is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses. He has 44 years of industry experience, including longstanding roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co., Incorporated. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Angela Melchor is a CFP® professional with 11 years of industry experience, currently serving clients at Ameriprise Financial Services, LLC. Her prior experience includes roles at PNC Investments, BBVA Wealth Solutions, and Compass Bank. She holds Series 63 and Series 65 licenses. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning through written reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Shaju Alexander is a financial advisor with OSAIC in San Antonio, TX, holding a Series 66 designation and 28 years of industry experience. He previously worked for Lincoln Financial Securities Corporation for 19 years before joining OSAIC. Outside of advisory services, he is engaged in the sales and service of fixed life, health, and disability insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and diversified portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Leslie Irizarry is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 designation with eight years of industry experience. Prior to joining Morgan Stanley, Leslie worked at JPMorgan securities LLC and JP Morgan. Outside of advising, Leslie operates as a notary signing agent and has experience working with Uber in a customer service role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using proprietary tools and market modeling techniques.

Byron Armstrong is a financial advisor with Primerica Advisors in Castroville, TX, holding Series 63 and Series 65 licenses and with 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2004. In addition to advisory work, Armstrong receives non-investment related compensation for referrals related to home security and automation products and loan services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail client portfolio management rather than institutional or pension plans.

John Carrillo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works alongside a team with extensive investment experience to develop personalized wealth management strategies tailored to clients' unique financial goals. John specializes in areas including family wealth management, legacy planning, retirement income, socially responsible and ESG investing, liquidity management, and tax minimization. John grew up in Laredo, Texas, and pursued his education with a focus on business and investments. He graduated Magna Cum Laude from the University of Texas at San Antonio with a bachelor's degree, ranking in the top 1.5% of his college as a Distinguished Business Student and serving as a Senior Analyst in the university’s Investment Society. Early in his career, John gained experience through various roles involving cash flow modeling, discrepancy analysis, and CFO office functions. He holds the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). Outside of his professional work, John enjoys adventure sports, fishing, football, hunting, music, running, swimming, watching movies, and spending time with his family. He is also involved in professional development and mentorship through organizations such as the Next Level Leadership Program, Local AGN, and FADP/ADP Mentor.

Alan Gonzalez is a financial advisor at Morgan Stanley in San Antonio, TX, holding CFP® and Series 66 credentials with four years of industry experience. His prior roles include positions at CapFinancial Securities LLC, Sendero Wealth Management, and The Vanguard Group. Outside of his advisory work, he serves on the advisory board for Lending Strategy Advisors. Morgan Stanley Wealth Management provides a broad range of advisory programs for individual and institutional clients, delivering tailored financial planning supported by firm-approved tools and research from its Financial Advisors and Estate Planning Strategies Group.

Everett Collins is a financial advisor with RBC Capital Markets in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Prior to joining RBC in 2026, he spent 26 years at Raymond James & Associates. Outside of his advisory role, he serves on the advisory board for St. Luke's Episcopal School, overseeing adherence to investment guidelines for the school's endowment fund. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside services such as financial planning, custody, and brokerage.

Betty Cervantes is a financial advisor with Edward Jones in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Edward Jones since 1999. 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 large nationwide network of financial advisors and branch offices.

Miguel Salazar is a financial advisor at Morgan Stanley in San Antonio, TX, with five years of industry experience. He has been with Morgan Stanley since 2019 and previously worked at Wells Fargo Home Mortgage from 2015 to 2019. He holds the Series 66 designation. 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 supported by structured processes and proprietary modeling tools.

Shari White is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has worked at Merrill since 2020 and previously spent six years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa Blonkvist is a financial advisor at Morgan Stanley with 40 years of industry experience. She has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association. Blonkvist holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and investment research.

Jason Martinez is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 66 designation and has worked with Cetera since 2019, following a seven-year tenure at LPL Financial. Outside of his advisory role, he owns Texas Legacy Planners PLLC, an insurance agency specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including 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 supports various investment strategies and program structures.

Kristine Beaver is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and two years of industry experience. Prior to joining LPL Enterprise, she worked at Global View Capital Advisors and Northwestern Mutual. She serves as an intelligence and targeting officer in the United States Navy Reserve, a role she has held since 2003. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors and institutional entities. The firm utilizes model-driven investment strategies developed by internal and third-party research teams and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Jason Richard is a financial advisor with Edward Jones in San Antonio, TX, holding CFP® and Series 63 credentials and 25 years of industry experience. He previously worked for Advisors Asset Management, Inc. for 17 years, where he was a shareholder. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions, supported by a nationwide network of over 23,700 financial advisors.

Kameron Wood is a Series 66-licensed financial advisor with Morgan Stanley in San Antonio, TX, bringing 21 years of industry experience. He has worked with Morgan Stanley since 2009 and has served at Morgan Stanley Private Bank, National Association since 2015. Wood is also a partner in Fourkwoods Investments LLC, an investment-related business based in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Christopher Stewart is a financial advisor with LPL Financial based in San Antonio, TX, holding a Series 66 designation and three years of industry experience. Before joining LPL Financial, he worked at Cetera Investment Services and Zions Bank. He serves on the Trinity University San Antonio Alumni Board. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a broad range of investment strategies.

Reynaldo Davila Jr. is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliate Morgan Stanley Smith Barney since 2013. Based in San Antonio, TX, he focuses on wealth management within a large institutional firm. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and integrates various investment strategies, including relationships with investment companies and private funds.