Baochau Ton is a financial advisor at Merrill with seven years of industry experience. Prior to joining Merrill in 2024, Ton worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2018 to 2024. Ton's background also includes roles in healthcare and academia, including the University of Texas MD Anderson Cancer Center and Texas A&M University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Gregory Metz is a financial advisor at Morgan Stanley in San Antonio, TX, with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at major firms including Wells Fargo Clearing and UBS Financial Services. Outside his advisory role, he is co-owner of Synergiz Partners LLC, a floral import-export business operated by his spouse. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, combining tailored financial planning with extensive resources and investment strategies.

Korson Hastings is a financial advisor at Equitable Advisors holding a Series 66 designation with one year of industry experience. His prior experience includes roles at the University of Texas at Dallas and Trinity University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to offer a range of investment solutions without sponsoring its own wrap fee program.

Raul Guerrero is a CFP® and Series 66-registered financial advisor with 18 years of industry experience. He is currently with Charles Schwab in San Antonio, TX, where he has worked since 2020. Prior to Schwab, he held various roles at USAA Investment Management Company and its affiliated entities from 2008 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

Christopher Budde is a financial advisor at J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses with seven years of industry experience. His prior work includes roles at Mcgill Airflow LLC and Panda Express, as well as four years at Abilene Christian University. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager selection, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The program combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations and incorporates a range of eligible investment strategies.

Wesley Taylor is a financial advisor with Raymond James Financial in San Antonio, Texas, holding Series 65 and Series 63 licenses and having one year of industry experience. He previously worked with Mutual of Omaha and serves as a worship leader at First Presbyterian Church. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

William Davis III is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His prior roles include positions at International Bank of Commerce, Air Force Federal Credit Union, Infinex Investments, and Avantax Advisory Services. Outside of advising, he is involved with DOUBLE D BAR RANCH, LLC, a business unrelated to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, with investment approaches that include model portfolios, third-party subadvisors, and customized strategies.

Richard Sharp is a financial advisor with Osaic, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has previously worked at Securities America Advisors and Securian Financial Services, and has owned Symmetry Financial Solutions, a business involved in investment advisory and insurance services, since 2020. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering both brokerage and advisory services across various financial programs. The firm emphasizes model-based asset allocation and portfolio optimization supported by multiple management strategies, with a notable scale and complex affiliate network.

Richard Walters Jr. is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2022, with prior roles at The Vanguard Group and the Arizona State Retirement System. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs.

Lisa Martinez is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Sendero Wealth Management, LLC. Outside of her advisory role, she serves as president of her neighborhood homeowner’s association in San Antonio, Texas. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Jose Ramos is a Series 66-licensed financial advisor with J.P. Morgan Securities in San Antonio, TX, bringing eight years of industry experience. He has worked with various divisions of JPMorgan Chase since 2009. Outside of his financial advisory role, Jose also performs as a musician in a local band. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Iryna Shepeta is a financial advisor with Primerica Advisors in San Antonio, TX. She holds Series 65 and Series 63 licenses and has been with Primerica Financial Services and PFS Investments Inc. since 2025. Prior to her advisory career, she was self-employed from 2015 to 2017 and unemployed from 2017 to 2025. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors using primarily model-driven strategies managed by unaffiliated asset managers.

Michael Sonnier is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Merrill since 2009 and has been with Bank of America since 2002. Sonnier serves on the advisory board of PragerU, a media organization providing free educational content promoting American values. 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, and institutional investors.

Adalberto Cuevas is an International Wealth Advisor with Merrill Lynch Wealth Management. In this role, he provides personalized wealth management strategies tailored to clients' evolving financial needs. Leveraging insights from Merrill and the comprehensive banking and lending solutions of Bank of America, he aims to help clients pursue their financial goals. With over 25 years of experience in the financial industry, Adalberto brings a deep understanding of wealth management. He was born in Mexico, grew up in Chicago from the age of eight, and has lived in San Antonio for more than 20 years. He holds a Bachelor's Degree from St. Mary's University and has earned the Personal Investment Advisor (PIA) designation. Adalberto is bilingual, fluent in both Spanish and English. Committed to community involvement, Adalberto follows the Merrill tradition of participating in local organizations through volunteer work. His professional philosophy centers on building strong, accessible relationships with clients to assist them in making important financial decisions.

Annabelle Watson is a financial advisor at Ameriprise with three years of industry experience. She previously worked at Raymond James & Associates and Recognos Financial. Watson is also involved with Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage her practice. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored planning through a centralized consulting team.

Jason Davis is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Eagle Strategies LLC, Bank of America Merrill Lynch, Wells Fargo Bank, and Keller Williams Realty. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Alan Imes is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2020, including time at Charles Schwab Bank, SSB. Prior to that, he was employed at USAA in various financial planning and investment management roles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, using multi-asset model portfolios, due diligence on alternative investments, and a centralized operational structure serving a large client base.

Marissa Carabajal is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has been with Merrill for 26 years. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Friesen Jr. is a financial advisor with RBC Capital Markets in San Antonio, TX, holding a Series 66 license and 15 years of industry experience. He previously worked at Morgan Stanley for five years before joining RBC Capital Markets in 2016. He serves on the board of directors for St Davids Episcopal School, where he is involved with finance and budgeting. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and utilizes both in-house and third-party investment managers and model providers.

Joshua Galindo is a financial advisor at Morgan Stanley based in San Antonio, TX, holding the Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he was affiliated with Texas Cavaliers and has experience working in education within the Alamo Heights School District. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies.