Joshua Gonzalez is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in working with small business owners and families to develop customized investment strategies and provide guidance on exit planning. As a Personal Investment Advisor (PIA) holding a Certified Exit Planning Advisor® designation, Joshua manages discretionary investment portfolios incorporating Merrill’s model portfolios and third-party strategies. With a Bachelor's degree from the University of the Incarnate Word and an Accredited Certificate from the Exit Planning Institute, he combines his academic credentials with practical experience. Joshua draws upon his background as a former business owner and Certified Fitness Trainer to apply a disciplined, goal-driven approach to wealth management. Joshua actively participates in community organizations, serving as an officer on Bank of America's Board of Community Volunteers and as a board member of HOLA, supporting Hispanic leadership. He is also involved with local groups such as St. Anthony Claret CYO and Windsong UMC. Outside of his professional commitments, Joshua enjoys basketball, boxing, football, golfing, music, running marathons, volleyball, and spending time with his family.

Clay Calderon is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at various J.P. Morgan entities since 2015. Outside of his advisory role, he works as a part-time food delivery contractor for Uber Eats. J.P. Morgan Securities 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 combines institutional advisory operations with broker-dealer and investment adviser registrations to deliver a range of advisory and brokerage services.

Robert Alaniz is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Antonio, TX, holding a Series 66 credential and 20 years of industry experience. He has been associated with Raymond James and related entities, including Security Service Investment Group and Security Service Federal Credit Union, since 2016. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs including municipal and public-finance advisory services.

Justin Carmouche is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds Series 65 and Series 63 designations and has one year of industry experience. His prior roles include positions at Increase Financial and involvement with the I9 Sports Organization. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Alejandro Diez is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding a Series 66 designation and six years of industry experience. His prior positions include roles at Bank of America, Merrill, Citigroup, and MassMutual Texas Gulf Coast. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Sandy Beauchamp is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. She has held positions within Wells Fargo entities since 2009. Outside of her advisory role, she is a pastor and elder at Desert Springs Church in Albuquerque, NM, and owns Beauchamp Wealth Management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services with a broad range of specialized planning options tailored to client needs.

Marilyn Ramsook Lilly is a CFP® professional with over 26 years of industry experience. She currently works at Fidelity and has held positions at Citigroup, Victory Capital Advisors, and several other financial services firms. She also operated StarApple, LLC as a self-employed business for one year. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse clients, including retail and institutional investors. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and is noted for its use of AI, algorithmic methods, and formal governance procedures.

Darron Bergstrom is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Cambridge Investment Research Advisors since 2009. Outside of his advisory role, Bergstrom serves as treasurer of the Rotary Club of Boerne and holds a secretary-treasurer position with the Corpus Christi Firefighters Retirement System. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individual investors, pension and profit-sharing plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals using a variety of portfolio management and model-based solutions.

John Mc Phillips Jr. is a financial advisor with Raymond James & Associates in San Antonio, TX, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones from 2016 to 2020 before joining Raymond James in 2020. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Catherine Morrison is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2022. She has spent over a decade with Wells Fargo entities, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she owns Vera Natura LLC, an investment-related business based in New Braunfels, TX. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad planning menu and develops tailored recommendations using Wells Fargo research and planning tools, with services covering a wide range of financial needs and specialized planning areas.

Lauren Martinez is a financial advisor with J.P. Morgan Securities in San Antonio, TX. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she worked at JPMorgan Chase Bank, N.A. and Equitable. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting 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.

Shelley Maxted is a financial advisor with Wells Fargo Advisors in San Antonio, TX, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has worked at various Wells Fargo entities since 2012. Maxted serves as an investment committee member for the Oklahoma City Community Foundation, contributing to investment policy, manager selection, and asset allocation. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Michael Johnston is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Antonio, TX. He holds the CFP® and ChFC® designations and has 19 years of industry experience. His prior roles include positions at JPMorgan Chase Bank and Genesis Wealth Management. Outside of his advisory work, he has been an independent contractor driver for Uber since 2017. 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 and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools to illustrate potential outcomes, supports institutional consulting and portfolio management, and is notable for its municipal advisor affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services program.

Dionisio Saenz is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked previously at several financial institutions, including Lone Star National Bank, LPL Financial, and Wells Fargo. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering customized investment consulting and advisory services that combine quantitative asset-allocation modeling with centralized manager due diligence.

David Espinoza is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Steven Jenkins is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Edward Jones. Before entering the financial sector, his background includes roles in various industries such as energy and food service. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Peter Olivo is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has been with J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jason Rice is a CFP® with 25 years of experience in the financial services industry. He has worked with Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2008. Outside of his advisory role, he holds an inherited interest in an estate planning real estate partnership. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Xavier Villasenor Jr. is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 66 designation and has been with J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Berg is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has a background with Avantax in various advisory and insurance roles spanning from 2005 to 2025, and he also operates a CPA practice specializing in tax preparation and accounting. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options and access to third-party money managers.