Christine Malik is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2015 and 2016, respectively, and previously held roles at RX To Go Pharmacy and Walgreens. Malik is also involved in referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets under management through a large network of advisors delivering model-based investment strategies supported by third-party asset managers and custodial services.

Veronica Hernandez is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. Merrill, along 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Foy is a CFP® professional with 35 years of experience in the financial industry. He currently advises clients through LPL Financial, where he has worked since 2019. Prior to that, he spent 10 years at Raymond James Financial and has operated the Patrick Foy Financial Group since 2008. He is also a public notary. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management, access to model portfolios and research, as well as a variety of institutional and participant advice programs.

Christian Sanchez is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley since 2018, including time with Morgan Stanley Private Bank, N.A. His prior experience includes roles at Wells Fargo and JP Morgan. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and modeling tools but generally does not offer individual security recommendations as part of standalone planning.

Joseph Howard is a financial advisor with Ameriprise in Friendswood, TX, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Maique Insurance and Financial Services, Inc and Katie Lamb State Farm. He is also employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services targeted at individuals with significant investable assets, using a centralized consulting team to deliver non-discretionary, research-driven recommendations that integrate tax and income strategies.

Gregory Bergeron is a Financial Advisor at Merrill Lynch Wealth Management. As a Personal Investment Advisor (PIA), he provides investment guidance and wealth management services to his clients. Gregory's role involves assisting clients in managing their financial portfolios to meet their investment objectives. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his expertise in personal investment advisory services. Further details regarding his educational background, specific areas of expertise, or personal interests have not been provided.

James Mc Donald III is a financial advisor at Morgan Stanley in Houston, TX, holding a Series 66 license with four years of industry experience. His background includes positions at Morgan Stanley Private Bank and Morgan Stanley, as well as previous roles at Helix Media 360, Beachbody, and service in the U.S. Navy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Byoung Kang is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and starting his advisory career in 2025. Prior to joining Ameriprise, he worked for Goose Creek CISD for 14 years. He is also employed at DGW Worldwide, LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations through a centralized consulting team.

Edward Gardner is a CFP® accredited financial advisor at Osaic with 31 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2007 and operates his own CPA firm, Edward M Gardner PC, providing tax planning and preparation services since 1991. Gardner is also involved in managing a building that houses his CPA practice and securities business. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services with an array of investment options and third-party solutions. The firm utilizes asset-allocation tools and risk-assessment methods to build customized portfolios managed on both discretionary and non-discretionary bases.

Carlos Kuri is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 credential and 23 years of industry experience. He has been affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and 2015 respectively, and previously worked at Citigroup Global Markets. Outside of his advisory role, he serves on the advisory board of Erika Blumenfeld Studio Lab, an art and culture organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by proprietary tools and methodologies.

Cristina Moore is an International Wealth Advisor at Merrill Lynch Wealth Management. In this role, she provides wealth management services with a focus on international financial matters. She holds the Personal Investment Advisor (PIA) designation, reflecting her professional qualifications in investment advising. Ms. Moore earned a Bachelor's Degree from Tulane University and a Juris Doctorate Degree from the University of Texas. No additional personal interests or community involvement information has been provided.

Daniel Kroll is a financial advisor with Wells Fargo Clearing in Houston, TX, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory work, he is a landlord of a rental property in Jensen Beach, Florida. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers services supported by research from Wells Fargo Investment Institute and third-party analytics.

Shaquila Ellis is a financial advisor with Primerica Advisors based in Houston, TX, holding Series 65 and Series 63 licenses and 19 years of industry experience. She has worked with Primerica in various capacities since 2002 and contributes part-time to J.E.M.E. Publishing, LLC, an artificial intelligence consulting business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies created by unaffiliated asset managers and supported by custodial services from Pershing and portfolio management by BNY Mellon Advisors.

Kazuyoshi Kimura is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Sacramento, California. With 23 years of experience, he specializes in managing new wealth, personal retirement planning, and retirement income. Kazuyoshi works closely with clients to develop personalized financial strategies tailored to their long-term goals, leveraging the investment insights of Merrill along with the banking and lending solutions of Bank of America. He holds a Bachelor's Degree from Pacific Union College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional responsibilities, Kazuyoshi participates in community volunteering consistent with Merrill’s tradition of service. In his personal time, he enjoys camping, fishing, gardening, and spending time with his family.

Jenisteen Davier is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds the ChFC® designation and Series 66 license. Prior to her current role, she worked at Wells Fargo Advisors, LLC. Outside of her advisory work, she is a part-time dog walker in Houston, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Paula Scales is a financial advisor at Morgan Stanley in Houston, TX, with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2015. Outside of her advisory role, she owns a resume writing business and operates a retail and online customer service company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to model financial outcomes.

Monica Woodward is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets. Outside of her financial advisory role, she operates as a life coach under her own practice. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad array of advisory programs. The firm’s planning process uses structured discovery and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Douglas Sobotik is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies that align with clients' individual goals and the dynamic conditions of today’s market. Leveraging the investment insights of Merrill and the banking services of Bank of America, he focuses on comprehensive wealth management tailored to each client's unique financial picture. Douglas holds the Personal Investment Advisor (PIA) designation. His educational background includes an Associate's Degree from San Jacinto College, coursework completed at the University of Houston System, and a Bachelor's Degree from the University of Phoenix. Committed to community involvement, he participates in volunteer activities within the local area, reflecting Merrill’s tradition of serving the communities where clients live and work.

Ian Fredrick is a financial advisor at Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses with three years of industry experience. His prior work includes roles at E*Trade Securities, Caliber Home Loans, and CEI Logistics. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a variety of advisory programs supported by firm-approved planning tools and investment research.

Tattiana Quiros Vargas is a financial advisor at Morgan Stanley in Houston, TX, with 13 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Morgan Stanley Smith Barney LLC since 2020. Prior to this, she held roles at BBVA Compass Insurance Agency, BBVA Wealth Solutions, BBVA Securities, and Compass Bank. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by firm-approved tools and analytics. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.