Jesus Ramos is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to that, he was employed with USAA in various financial advisory and investment management roles from 2009 to 2020. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and due diligence on alternative investments.

Dominic Stanford is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank in various capacities since 2016, and previously worked at Frost Bank from 2013 to 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Desiree De Hoyos is a financial advisor at Fisher Investments with five years of industry experience. She holds a Series 66 designation and previously worked at Charles Schwab Bank, Charles Schwab, Edward Jones, Lowe's Companies, and Victoria's Secret. Fisher Investments serves a global range of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios, with services that include sub-advisory, retirement plan management, and risk management strategies.

Taylor Finley is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 65 and Series 63 licenses and has been with Cambridge Investment Research, Inc. since 2016. Finley serves as Secretary and board member of the Tivy Athletic Booster Club and is involved with the Hill Country College Fund, where he contacts donors on behalf of the university. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platforms tailored to client objectives.

John Frahm is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Edward Jones in San Antonio, TX, where he has worked since 2022. His prior experience includes roles at CoStar Group, American National Life Insurance Company, and Saybrus Equity Services, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

James Bradford is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked in the education sector within several school districts and at Texas A&M University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Douglas Bock is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for six years before joining Ameriprise in 2022. Outside of his advisory role, he is involved in independent insurance brokering and serves as a financial advisor for Randolph Brooks Federal Credit Union. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to create tailored recommendations.

David La Grange is a financial advisor at Merrill in San Antonio, TX, holding a Series 66 designation. He has experience working at Enfra and Precision Food Innovations prior to joining Merrill and Bank of America in 2026. 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, pension plans, corporations, and charitable organizations.

Stephen Loeb is a financial advisor at Morgan Stanley with 52 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved as a co-manager in investment-related ventures including Heirs of S. Abraham LLC and a partnership in a real estate firm in Houston, Texas. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning arrangements.

Justin Morales is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has previously worked in various roles at BrassCraft Manufacturing, Rheem Manufacturing, Mass Mutual Investors Services, Mass Mutual Life Insurance Company, Best Plumbing Specialties, United Rentals, and Republic Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Erick Monteagudo is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, and Firstmark Credit Union, among others. 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 combines a non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized supervisory and custody arrangements.

Abelardo Miranda is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Merrill since 2009 and has concurrently worked at Bank of America, N.A. since 2006. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Chase Havemann is a financial advisor at Morgan Stanley in San Antonio, Texas, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2024, he worked as an insurance broker at Family First Life and has held various roles including at the University of Texas at San Antonio and Scuzzis Italian Restaurant. Outside of his advisory work, he is involved in officiating weddings. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

Peter Tijerina is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Primerica Advisors since 2016 and has worked with Primerica Financial Services since 2013. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm focuses on tiered wrap-fee solutions and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Edward Mc Clure Jr. is a financial advisor with Edward Jones in San Antonio, TX, holding Series 63 and Series 66 credentials and over 30 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1994. Outside of his advisory role, Mc Clure serves as a board member of McCoy Water Supply Corp. and is president of Atascosa AG Inc., a ranching and grape vineyard operation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors. The firm provides discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Carl Thorson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Raymond James, Merrill, Citigroup, and USAA. J.P. Morgan Securities LLC 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 through a dedicated team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Noah Minica is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he was involved with Doubletake Archery LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Bradley Lemmon is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Ameriprise in 2021, he worked at Edward Jones for seven years. He is based in Helotes, Texas. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

John Glade is a financial advisor at Merrill with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Ameriprise, Comerica Bank, Wells Fargo Bank, and National Alliance Securities. Glade serves on the boards of First Tee Greater Austin and the Warrior National Foundation. 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, offering model-based and discretionary strategies for individual and institutional investors.

Erica Licon is a Planning Consultant at Fidelity Investments. In this role, she works with clients to assist them in pursuing their financial goals, leveraging the resources available at Fidelity. Erica emphasizes building long-term relationships by recognizing the unique circumstances and needs of each client. Her professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as Financial Advisor and Office Assistant positions at Thrivent Financial. These roles have contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Erica enjoys family activities, golf, movies, soccer, and traveling.