Cindy Ough is a financial advisor at Merrill with 32 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at Merrill since 1993, including her current affiliation with Bank of America, N.A. since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a combination of model-based and discretionary strategies developed by internal teams and third-party managers.

Mark McKenzie is a financial advisor with Edward Jones in Magnolia, TX, holding a Series 66 credential and currently with the firm since 2021. His prior work experience includes roles at Texas A&M, The Liquor Mart, Blinn College, and various positions in the construction and hospitality industries. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with advisory services including discretionary and non-discretionary wrap fee strategies, access to managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and supports a large nationwide network of advisors and branch offices.

Britney Rascher is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in educational and childcare settings, including Willis Independent School District and Southside Baptist Childcare Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, SMAs, and affiliated mutual funds, operating under a fiduciary standard.

Jared Hensley is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and three years of industry experience. He previously worked at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of finance, he owns and operates a graphic design business called Wild Viking Studio. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services through a large network of advisers. The firm employs various tools and platforms to construct and manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Paul Hammersmith is a financial advisor with Wells Fargo Advisors in The Woodlands, TX, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing dating back to 2012. Outside of his advisory work, he is the sole owner of PHLH LLC, a financial practice based in Shenandoah, TX. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce. Advisors use firm research and planning tools to create tailored recommendations, with clients retaining discretion over implementation through brokerage or advisory programs.

Cesar Martinez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with eight years of industry experience. He has worked in various roles across J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, Merrill Lynch, and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Mark Nixon is a financial advisor with Raymond James & Associates in The Woodlands, TX. He holds Series 63 and Series 65 licenses and has 36 years of industry experience, including 13 years with Raymond James & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and firm-supported research.

Jonathan Zodin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2004 and plays a key role in client communication and business development for the team. Jonathan primarily focuses on developing initial financial plans that serve as blueprints to guide clients through their financial goals. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jonathan earned a bachelor's degree in communications from the University of Texas at Austin. His client focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income.

Ronald Folwell Jr. is a CFP®-designated financial advisor with 35 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at firms including Goldman Sachs & Co. LLC, United Capital Financial Advisors, and Cetera Advisor Networks, LLC. His practice is based in The Woodlands, TX. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting programs.

Derrick Mc Carley is a CFP®-credentialed financial advisor with Edward Jones in Conroe, TX, and has 10 years of industry experience. He has been with Edward Jones since 2015. 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, offering a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Morgan Murdock is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 17 years of industry experience. His prior firms include Edward Jones and Coastline Wealth Group. Morgan is also affiliated with Woodforest Financial Services and Woodforest Wealth Strategies in The Woodlands, TX. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored non-discretionary planning using risk profiling and analytical tools, and it supports municipal and public finance work through a unique affiliation with a municipal advisor.

Nabat Mahmudova is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Her prior experience includes roles at Bank of America, Neoair, and New York Life Insurance Company, as well as academic positions at Izmir University of Economics and City University of New York. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Johnathan Lyon is a financial advisor with LPL Financial based in The Woodlands, TX. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial, he was involved with Woodlands Wealth Builders and worked in full-time education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Hubert Runnels Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Runnels has held various roles with Woodforest Wealth, Woodforest Financial Services, and related entities since 2016, including serving as First Vice President at Woodforest Wealth. He is also an insurance agent for Woodforest Financial Services. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, alongside specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Logan Betts is a financial advisor with Raymond James Financial in Tomball, TX, holding a Series 66 designation and two years of industry experience. His career includes roles at Raymond James Financial Services Advisors, Woodforest National Bank, and earlier positions at SmartDraw Software and Renee Langdon State Farm. He is also an associate at Woodforest Wealth. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and maintains notable municipal advisor affiliations and specialized advisory programs.

Clayton Dean is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. He has previously been affiliated with Ameriprise Financial Services LLC and has an educational background including studies at Texas A&M University, Angelo State University, and the University of Louisiana-Lafayette. Outside of advising, he has experience with Central Texas Gasket & Polymer Co. Inc. Ameriprise specializes in retirement-income planning services for clients generally holding at least $1 million in net investable assets, utilizing a centralized consulting team to deliver tailored, tax-smart income strategies supported by algorithmic modeling and research.

Sam Van Leuven is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, Sam collaborates with clients to identify and plan for their financial goals through a disciplined and goal-based planning process. Sam has accumulated experience in financial consulting through positions at several firms, including Senior Financial Consultant and Financial Consultant roles at TD Ameritrade from 2018 to 2020, Financial Consultant at Scottrade from 2017 to 2018, and Financial Solutions Advisor at Merrill Edge from 2015 to 2017.

Nathan Harrison is a financial advisor with OSAIC who holds the Series 66 designation and has 24 years of industry experience. He worked at Lincoln Financial Advisors for 23 years before joining OSAIC in 2025. Outside of his advisory role, he is the owner and agent of Quest Financial and Insurance Services, where he offers various insurance products including accident, health, disability, life, and property and casualty insurance. OSAIC serves a diverse client base that includes retail and institutional investors, offering a broad range of services such as brokerage and advisory, financial planning, retirement consulting, and access to third-party money managers. Its advisers utilize firm-provided tools and multiple investment options to construct portfolios managed on discretionary or non-discretionary bases.

Samuel Schmittgens is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds the Series 66 designation and is based in Conroe, Texas. 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, operating under a fiduciary standard.

Dean Scott is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior work includes roles at ConocoPhillips and Concho Resources. He is involved in managing Scott Strategic Investments, an entity related to his advisory business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.