Adriana Sferle is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning services supported by structured processes and advanced modeling tools.

David Chapman is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at USAA Investment Management Company and USAA Financial Advisors, Inc. in addition to his tenure at Charles Schwab since 2020. 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 management, supported by multi-asset model portfolios and a formal alternative-investment placement process.

Antonio Salgado is a Senior Financial Advisor at Merrill Lynch Wealth Management. He is a bilingual professional fluent in English and Spanish, focusing on providing financial strategies for individuals, families, and businesses by understanding their financial objectives. Antonio's approach involves a disciplined process that begins with understanding each client's specific needs and priorities. He has experience in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, and socially responsible investing. Antonio holds the Personal Investment Advisor (PIA) designation, along with Series 7 and 66 FINRA registrations, and holds a bachelor's degree in Finance and Business Management from the McCoy College of Business at Texas State University. Antonio is an Army veteran originally from Orange County, California, now residing in New Braunfels, Texas with his wife Sasha and their two children. He is active in his community through organizations such as the Knights of Columbus and the San Antonio Food Bank.

Misty Jones is a financial advisor with Equitable Advisors in San Antonio, TX, holding a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, she was self-employed in childcare for four years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerance.

Robert Martin is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Citigroup Global Markets. Outside of finance, he participates in the Page Parkes Center of Modeling & Acting, assisting with auditions for commercials and print ads. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Glenn Welch is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Timothy Escobar is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Escobar also serves in the U.S. Army Reserve and is a board member of a flying club. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market estimates to assist its clients.

Valerie Boggs is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide set of products and services.

Joseph Cortez is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and small business strategies. With over eight years of experience, Joseph provides clients with first-class financial services and expertise. He works closely with families to help them achieve important financial goals. Joseph holds the designation of Personal Investment Advisor (PIA). Outside of work, he has interests in baseball, basketball, fishing, and football.

Christopher Saunders is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 1998. Saunders serves as vice president of the Chi Delta Tau Foundation, where he supports scholarships for Trinity University students and contributes to the endowment investment policy. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and offers a range of investment products and services, including wrap programs and relationships with investment companies and private funds.

Jimmy Hoyt is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he is an ordained minister with the Universal Life Church Ministries and has occasionally presided over wedding ceremonies without compensation. 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 supported by multi-asset model portfolios and extensive research, delivering services at a large scale with integrated operational capabilities.

Michael Perrine is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and USAA Financial Advisors. In addition to his advisory work, he provides freelance data analyst services as an independent contractor. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Fredy Tun Cifuentes is a Series 66-licensed financial advisor with eight years of industry experience, currently serving at Merrill. His work history includes roles at Broadway Wealth Solutions, JP Morgan Chase Bank, J.P. Morgan Securities, and Bank of America. Outside of finance, he owns and manages two landscaping and fence service businesses in New Mexico and Texas. Merrill provides managed account services to a broad client base, including individuals, high-net-worth clients, pension plans, and charitable organizations, utilizing model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Ronald Kern is a financial advisor at Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Kern is involved in managing a family limited partnership that holds investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Traci Beckwith is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 designations. Based in San Antonio, TX, she provides advisory services within a large institutional firm environment. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and a research-driven investment approach. The firm manages approximately $2.74 trillion in client assets and delivers customized planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Kinnally Jr. is a financial advisor with OSAIC based in San Antonio, TX, holding Series 63 and Series 65 licenses with 25 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Kinnally serves as an investment committee member for the Congregation of the Sisters of Charity of the Incarnate Word and participates on the Capital Campaign Committee of Antonian College Preparatory High School. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes advanced asset allocation tools and multiple investment platforms to provide tailored portfolio management and access to a wide range of investment products.

Thomas Fitzsimmons is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Zachary Clark is a CFP® professional with 14 years of experience in the financial advisory industry. He is currently with Cetera and has worked with affiliated entities since 2011. Outside of his advisory role, Clark is a partner and treasurer in several non-investment businesses, including mining and technology distribution companies, and serves as treasurer for a women's ministry organization. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of advisory services through a nationwide network of independent advisors. The firm serves individual and institutional clients using a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Albert Steves V is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the Board of Directors for the Texas Cavaliers and is a member of the investment committee at St. Mark’s Church in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Victor Oelsen is a financial advisor at RBC Capital Markets with 42 years of industry experience. He holds Series 63 and Series 66 designations and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to clients' risk profiles.