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.

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 CFP® professional with four years of industry experience, currently serving as a financial advisor at Morgan Stanley in San Antonio, TX. His prior roles include positions at CapFinancial Partners LLC (CAPTRUST), Sendero Wealth Management, and The Vanguard Group, Inc. Outside of advising, he has been involved with Lending Strategy Advisors in a business development capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning using firm-approved tools and serves clients both directly and through corporate financial planning agreements.

Everett Collins is a financial advisor with Raymond James & Associates in Dallas, TX, holding Series 63 and Series 65 designations and 35 years of industry experience. He has been with Raymond James & Associates since 2000. Outside of his advisory role, he is a member of the advisory board for St. Luke's Episcopal School, where he reviews the quarterly performance of the school's endowment fund. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations using proprietary research and planning tools, supporting both discretionary and non-discretionary advisory relationships.

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 previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Merrill in 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Lisa Blonkvist is a financial advisor at Morgan Stanley with 39 years of industry experience. She has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Jason Martinez is a financial advisor at Cetera with 21 years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial. Outside of his advisory role, he owns Texas Legacy Planners PLLC, an insurance agency focusing on fixed life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients with a wide range of portfolio management and retirement plan services. The firm operates a multi-manager platform offering various investment strategies and serves over 10,000 advisors and approximately 800,000 clients.

Kristine Beaver is a financial advisor at LPL Enterprise with Series 65 and Series 63 licenses and two years of industry experience. Her background includes positions at Global View Capital Advisors, LLC and Northwestern Mutual Investment Services LLC. She serves as an intelligence and targeting officer in the United States Navy Reserve. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory programs with brokerage and insurance products.

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 at LPL Financial in San Antonio, TX, holding a Series 66 designation with three years of industry experience. His prior experience includes roles at Zions Bank and Cetera Investment Services LLC. Stewart serves as a board member of the Trinity University San Antonio Alumni Board. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement consulting, and brokerage services supported by proprietary research and third-party subadvisors.

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.

Walter Hayne is a Senior Financial Advisor at Merrill Lynch Wealth Management with three decades of experience spanning wealth management, commercial and private banking, valuation, strategy, and transactional mergers and acquisitions. He co-founded Hayne Moon & Associates and works closely with business founders, corporate executives, and families with assets in energy, investment markets, and real estate. Walter assists clients in navigating complex financial challenges, including diversification, tax-efficient wealth structuring, liquidity management, and legacy planning. He also provides clients with access to Bank of America, N.A.'s resources in investment banking, financing, and cash management solutions. Walter holds a Bachelor’s degree in History from Williams College and an MBA in Finance from Southern Methodist University’s Cox School of Business. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He manages discretionary portfolio strategies that may incorporate individual securities, Merrill Lynch Wealth Management model portfolios, and third-party investment approaches. In addition to his professional responsibilities, Walter has served on the boards of various charitable and civic organizations in San Antonio and the surrounding area. He lives in San Antonio with his wife and four children. His personal interests include biking, fishing, golfing, hiking, hunting, music, racquetball, skiing, spending time with family, and tennis.

Mary Patricia Douglass is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and beginning her advisory career in 2026. She has prior experience at PlainsCapital Bank and has held various roles connected to the University of Texas at Austin. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Jeffrey Wright is a Certified Financial Planner (CFP®) with 17 years of industry experience. He currently works at Morgan Stanley in San Antonio, TX, having held roles at Morgan Stanley Private Bank, Victory Capital Management, and Financial Engines Advisors, among others. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.