Roland Villanueva Jr. is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fisher Investments, Edward Jones, and Charles Schwab & Co., Inc. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Kevin Seales is a CFP® professional affiliated with Schwab Wealth Advisory, Inc. He has five years of industry experience, including roles at Merrill Lynch and Scottrade. He currently operates out of Westlake, TX, and holds Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to offer tailored investment guidance with client authorization required for trades.

Eric Cardenas is a financial advisor at Sanctuary Advisors, LLC with 20 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney for over 14 years. He has been with Sanctuary Advisors and its affiliated entity Sanctuary Securities since 2023. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including high-net-worth individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports a network of more than 400 independent investment adviser representatives, providing portfolio management, retirement plan consulting, and access to multiple account management platforms.

Joseph Mcintosh is a financial advisor with Mercer Global Advisors Inc. in Colleyville, TX, holding a Series 65 designation and 11 years of industry experience. He previously worked at Steward Financial Group, LLC for 10 years before joining Mercer in 2023. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management, using a variety of implementation options including ETFs and separate accounts.

Jose Guerra Jr. is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory with five years of industry experience. His prior roles include positions at JPMorgan Securities LLC and BNP Paribas. Outside of his advisory work, he is a Regional Advisory Board Member for IDEA Public Schools of Tarrant County and serves on the Board of the Fort Worth Hispanic Chamber of Commerce. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools. The firm’s approach includes tailored recommendations and annual reviews, with trades executed only upon client authorization.

Jaie Arlington is a financial advisor at Sanctuary Advisors, LLC with 19 years of industry experience. He holds the Series 66 designation and previously worked at Merrill for 12 years before joining Sanctuary Securities in 2021. Arlington serves as a power of attorney for his parents’ investment accounts. Sanctuary Advisors, LLC provides investment advisory and financial planning services to individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations through a nationwide network of more than 400 independent investment adviser representatives. The firm offers diverse portfolio management options and employs various analytical approaches, acting as a fiduciary when a written advisory agreement exists.

Stephen Taylor is a Series 66-licensed financial advisor with Goldman Sachs Wealth Services in Irving, TX, bringing four years of industry experience. He has been with Goldman Sachs since 2019. Goldman Sachs Wealth Services advises a diverse client base including individual investors, executives, corporate and plan sponsors, and institutional clients, providing tailored financial planning and portfolio management. The firm integrates strategic allocation models and proprietary research with a range of service offerings, leveraging the broader Goldman Sachs ecosystem.

Loyd Beacham IV is a CFP® professional with eight years of industry experience, currently serving as an advisor at PNC Wealth Management in Ft. Worth, TX. His prior roles include positions at Coppell Advisory Solutions LLC, Badger Creek Advisors, and Voya Investment Management. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account that employs algorithm-driven portfolio strategies managed by PNC or third-party strategists.

Norris Mcclane is a financial advisor at Luther King Capital Management Corporation with 12 years of industry experience. He holds a Series 66 credential and previously worked at Avalon Advisors, LLC and Avalon Wealth Management LLC. Outside of his advisory role, he serves as an independent director and audit committee member at Vantage Bank and is involved in business consulting through Norris Robert Mcclane International, LLC. Luther King Capital Management Corporation advises institutional and individual clients, including trusts, foundations, pension plans, and government entities. The firm offers a range of investment services such as separately managed portfolios, sub-advisory and model portfolio services, and manages the LKCM Funds, pursuing fundamental, bottom-up analysis across various equity and fixed income strategies.

Rakesh Patel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked at Charles Schwab since 2017, including his current role at Schwab Wealth Advisory since 2021, and previously worked at TD Ameritrade from 2013 to 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to offer tailored guidance on a broad range of investment options, with trades executed only upon client authorization.

Richard Truitt is a CFA® charterholder with 13 years of industry experience. He has been with Luther King Capital Management Corporation since 2001. Luther King Capital Management Corporation advises institutional and individual clients including trusts, foundations, pension plans, government entities, and registered investment companies. The firm employs fundamental, bottom-up analysis across multiple equity, fixed income, and balanced strategies, managing approximately $31.5 billion in regulatory assets.

Bryan Clintsman is a CFP® professional with 26 years of industry experience. He currently works at Focus Partners Wealth, LLC and previously held roles at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and ran Clintsman Financial Planning for 20 years. He has also been associated with Ernst & Young since 2000. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management, financial and tax planning, and employee benefit consulting. The firm employs an investment approach that combines active and passive strategies within an enhanced open architecture framework, integrating quantitative analysis and specialized techniques such as options overlays and trend-following.

Steven Hale is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Westlake, TX, bringing 10 years of industry experience. He previously worked at TD Ameritrade and Edward Jones before joining Schwab Wealth Advisory in 2021. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to clients' goals and risk tolerance and execution only upon client authorization.

Dylan Vertner is a Series 66-licensed advisor at Goldman Sachs Wealth Services with four years of industry experience. Prior to joining Goldman Sachs in 2022, he worked at Veterans United Home Loans and has held various roles including at Columbia Country Club, University of Missouri Operations, and Macklan Ent. Outside of advisory work, he is an independent contractor at TaskRabbit, performing general labor tasks. Goldman Sachs Wealth Services serves a wide range of clients from individual investors to institutional clients, offering financial planning, portfolio management, and specialized programs such as Private Family Office and Executive Wealth services. The firm employs strategic and tactical allocation models supported by proprietary analytics and integrates capabilities across Goldman Sachs affiliates to deliver comprehensive wealth advisory solutions.

Robert Williams is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Empower Financial Services, The Vanguard Group, and BBVA Securities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Stacey Kirkpatrick is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Farther since 2025. Her prior roles include positions at Raymond James Financial Services and Cetera, among others. Outside of finance, she was previously involved in operating SDK Desserts LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a digital platform combined with in-person meetings. The firm employs a Modern Portfolio Theory-based approach, using proprietary model portfolios with algorithmic rebalancing, and incorporates exchange-traded funds, mutual funds, equities, fixed income, and AI tools in portfolio management.

Erin Smith is a financial advisor at Sanctuary Advisors, LLC in Fort Worth, TX, holding a Series 66 designation with 22 years of industry experience. Her prior roles include positions at Truist Advisory Services, BB&T Securities, Higginbotham, and Merrill. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm offers a range of portfolio management programs and employs various analytical approaches, operating as a fiduciary under written advisory agreements.

Kirk Badii is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 15 years of industry experience. His prior roles include positions at Cantella & Co., Raymond James Financial Services, UBS Financial Services, and Credit Suisse Securities. Badii operates marketing entities for securities and advisory services under the names Badii Group Private Wealth Management and Badii Group, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms and employs a combination of strategic asset allocation, multi-manager portfolios, and a mix of passive and active investment exposures.

Christina Faulkner is a financial advisor at Schwab Wealth Advisory, Inc. with 15 years of industry experience. She holds Series 66 and Series 63 licenses and has held various roles within Charles Schwab-affiliated firms since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Hallie Fraze is an advisor at Schwab Wealth Advisory with a Series 66 designation and less than one year of industry experience. Her prior work experience includes roles at Charles Schwab & Co., Inc., Charles Schwab, Target, and the University of North Texas. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client authorization required for trades.