Ivan Galindo is a CFP® and ChFC® with 26 years of experience in the financial services industry. He is currently with Charles Schwab in San Antonio, TX, where he has worked since 2021. Prior to Schwab, he held various roles at USAA, including positions in financial planning and investment services from 2007 to 2021. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and centralized custody and operational functions.

Robert Shefelton is a financial advisor with LPL Enterprise in San Antonio, TX, holding Series 65 and Series 63 licenses and bringing one year of industry experience. His prior roles include positions at Northwestern Mutual and Keller Williams, along with an eight-year tenure at SmartWay Transportation. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through its network of investment adviser representatives. The firm employs a model-driven investment approach with access to third-party asset managers and offers various financial planning, insurance, and trust services.

Bella Hampton is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her prior roles include positions at Charles Schwab Bank, Charles Schwab & Co., USAA Investment Management Company, and USAA Financial Advisors. Outside of finance, she is involved in photography through her sole proprietorship, Bella Hampton Photography, and is a stakeholder in Element Luxury Fitness, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analyses.

Dolores Charles is a financial advisor at Charles Schwab with 21 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior roles include positions at USAA Transfer Agency Company and USAA Investment Management Company. 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 offers a combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Sergei Zweibach is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. His prior work includes roles at USAA Financial Advisors, USAA Financial Planning Services, and USAA Investment Management Company. Charles Schwab & Co., Inc. serves a large client base, 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 in-house research and alternative investment due diligence.

Rebecca Gonzalez is a financial advisor at Merrill with a Series 66 designation. She has been with Merrill since 2012 and has 12 years of prior experience at Texas AM International University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its 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.

Katya Thompson Cantu is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining Ameriprise in 2021, she worked for CUNA Brokerage Services, Inc. and Randolph Brooks Federal Credit Union, where she provided financial advice to credit union members. Outside of her advisory role, she is also a freelance musician performing at scheduled events. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized Recommendation Reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Marshall Harrison is a Series 66 licensed advisor with Morgan Stanley in San Antonio, TX, and has three years of industry experience. Prior to joining Morgan Stanley, he worked at Airrosti Rehab Centers and Prosperity Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market scenario modeling.

Michael Malchoff is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and seven years of industry experience. He has been with Merrill since 2019 and concurrently affiliated with Bank of America since 2016. Outside of his advisory role, he is a guitarist in a local cover band called Bittersweet Band. 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 individual, corporate, and institutional clients.

Juan Menchaca Jr. is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Charles Schwab since 2020 and previously spent six years with USAA Investment Management Company. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of wealth advisory, brokerage, custody, and financial planning services through its integrated platform and multi-asset model portfolios.

Morgan Edwards Sr. is a financial advisor with Cambridge Investment Research Advisors based in San Antonio, TX, holding a Series 63 designation and bringing 32 years of industry experience. Prior to joining Cambridge in 2024, he worked at Kestra Advisory and Voya Financial Advisors. He serves on several nonprofit and civic boards, including the Texas Lyceum Association and the Alamo Heights ISD School Board. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a wide network of independent professionals who employ a variety of portfolio management strategies tailored to client objectives.

Meliora Rosin is a financial advisor with LPL Financial who holds Series 63 and Series 66 licenses and has six years of industry experience. Prior to joining LPL Financial in 2024, she worked at Ameriprise Financial Services, NYLIFE Securities LLC, New York Life Insurance Co, and Strategic Grouping. Outside of finance, she is involved with the Earl Cobb Dance Studio. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology and a large network of over 22,800 advisors.

Catherine Haffner is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 14 years of industry experience. Her career includes roles at BOK Financial Private Wealth, Kingswood Capital Partners, Merrill, and JP Morgan Securities. In addition to her advisory work, she is an artist who sells acrylic and oil paintings and owns Haffner Group LLC, a business support entity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm offers tailored, non-discretionary planning and consulting, incorporating risk profiling and analytical modeling, and supports its clients through a broad network of advisors and advisory programs.

James Moon serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he and his team assist clients in achieving their financial objectives through a holistic, goals-based approach. Leveraging the full banking resources of Bank of America, James provides clients with comprehensive financial solutions encompassing investments, banking, and lending. He partners with senior financial advisors to address the unique financial needs of multi-generational families, business owners, and professionals. Before joining Merrill, James worked as an analyst with J.P. Morgan’s Private Bank in Houston. There, he provided strategic financial and investment advice to private business owners, corporate executives, and family offices while collaborating with the lending team on securities-based and custom collateral loan portfolios. His client focus includes executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. James earned a Bachelor’s degree in Finance from Texas Christian University, graduating Magna Cum Laude. He holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ in conjunction with the Yale School of Management, as well as the Personal Investment Advisor (PIA) designation. Residing in San Antonio, James is a member of TCU’s Junior Clark Society and the San Antonio Country Club. Outside of work, he enjoys cooking, playing golf, traveling, and spending time with his wife Jillian and their golden retriever Luna.

Jaqueline Bernal is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 13 years of industry experience. Her prior roles include positions at Bank of America, Mass Mutual Investors Services, MassMutual Life Insurance Company, AXA Advisors, and San Diego Credit Union/LPL. 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.

Lamil Mc Williams is a financial advisor with Thrivent Investment Management based in San Antonio, TX. He holds Series 63 and Series 66 designations and has previous experience working at Capital Group American Funds for ten years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning that covers a broad range of topics, with options to combine planning and managed-account services under a consolidated billing arrangement.

Austin Burt is a Financial Advisor working within the Merrill Lynch Wealth Management line of business. He contributes to investment decision-making as a member of the investment committee at NWG/VMT & Associates, where he collaborates with colleagues to conduct investment analysis, economic research, and due diligence on private funds. Austin holds a bachelor's degree from Texas A&M University's Mays Business School, where he studied Finance and Entrepreneurship. His professional designation includes Personal Investment Advisor (PIA). He focuses on client areas such as family wealth management strategies, liquidity management, managing new wealth, and portfolio management services. Outside of his professional role, Austin engages in activities including golfing, hunting, reading, running, spending time with family, and tennis.

Emily Sanders is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She previously worked at Bank of America and Merrill. Outside of advisory work, she serves on the finance committee of the Lone Star Response Team, a community organization in San Antonio, and is involved in search and rescue operations through Black Hat Collective, LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools but generally does not provide individual security recommendations as part of standalone planning.

Justin Torres is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior firms include Victory Capital Services and USAA Financial Advisors. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by offering financial planning, retirement plan consulting, and various asset-management programs. The firm relies on a network of Investment Adviser Representatives and third-party asset managers to deliver tailored advisory solutions.

Tram Garcia is a Financial Advisor at Merrill Lynch Wealth Management based in San Antonio. She works closely with individuals and families to develop personalized financial strategies that align with their short-, mid-, and long-term goals. Her areas of focus include retirement planning, wealth management, college education planning, employee benefits planning, family wealth management strategies, legacy planning, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Tram provides ongoing guidance to help clients stay on track as their financial needs evolve. Tram holds a Bachelor's Degree from the Royal Melbourne Institute of Technology (RMIT) and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is fluent in English, Vietnamese, and Spanish. In addition to her advising role, she participates in the Bank of America Volunteers Program. Outside of her professional responsibilities, Tram enjoys activities such as billiards, music, pickleball, singing, soccer, spending time with her family, swimming, traveling, volleyball, and watching movies.