Anna Femat is a Wealth Management Advisor with Merrill Lynch Wealth Management, a division of Bank of America. Since beginning her career with Merrill Lynch in 1987, she has focused on assisting clients in establishing objectives and developing strategies tailored to retirement planning, education funding, long-term care, and credit solutions, including home financing. She employs a Personal Wealth Analysis process to understand clients' situations and guide them toward achieving their financial goals. Anna holds a Bachelor of Business Administration degree with a major in business management from the University of the Incarnate Word. She has earned the Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA) designations and is a designated Retirement Benefits Consultant (RBC) within Bank of America – Merrill. Her areas of focus include education planning, employee benefits, family wealth management, legacy planning, retirement income, and services for endowments, foundations, and non-profits. Anna and her husband Ramiro have been married for over 30 years and have two children. She is active in her community through involvement with the Archdiocese of San Antonio Catholic Church, Conservation Society of San Antonio, Habitat for Humanity, Junior League of San Antonio, Pan American Round Table, San Antonio Hispanic Chamber of Commerce, and the University of the Incarnate Word Alumni Association. In her personal time, she enjoys cooking, gardening, hiking, music, painting, pottery, reading, sewing, traveling, and spending time with her family.

Rachel Cano is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

James Winton is a Financial Advisor with Merrill Lynch Wealth Management, working as part of the Johnson & Associates Wealth Management Team. The team brings over 30 years of collective investment industry experience and combines their expertise with the global resources of Merrill to offer comprehensive wealth management services tailored to individual clients’ financial situations and goals. James’s approach emphasizes understanding each client’s full financial picture and personal priorities to create flexible strategies designed to adapt to changing market conditions. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He follows a structured wealth planning process that involves getting to know the client, analyzing their situation, implementing customized financial plans, and tracking progress to help clients pursue their goals. James holds a Bachelor’s Degree from Texas A&M University System and has earned the designation of Personal Investment Advisor (PIA). He is also active in professional organizations such as the Order of the Alamo and the San Antonio German Club. Outside of work, James enjoys baseball, boating, fishing, football, golfing, hunting, pickleball, reading, skiing, and spending time with his family.

Martha Taylor is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. Her career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as Citigroup Global Markets. She also serves as a trustee and co-trustee for a trust in San Antonio. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and market simulations.

Journel Gibbs is a Series 66-registered financial advisor with Ameriprise in San Antonio, TX, with 20 years of industry experience. He has been with Ameriprise and its predecessor entities since 2006. Outside of his advisory work, he serves as President and Chairman of the Board for the San Antonio African American Community Archive and Museum and is involved with local historical and community organizations. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Samantha Kennedy is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 1996. 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. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kara Perez is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. She has been with Merrill since 1992. 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. The firm offers model-based and discretionary strategies from internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amber Carden is a financial advisor at Merrill with Series 63 and Series 66 credentials and 25 years of industry experience. She has been with Merrill since 2009 and has maintained a longstanding association with Bank of America since 1983. Outside of her advisory role, Carden is involved in multiple nonprofit organizations, including serving as an ambassador for HeartGift, co-chairing a capital campaign for the Junior League of Austin, and holding board positions with E3 Alliance, the Headliners Club, and Helping Hand Home Society. 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. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party portfolio managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Janella Moya is a financial advisor at Fidelity with 11 years of industry experience. She has worked at J.P. Morgan Securities LLC and USAA Financial Advisors, among other firms. Outside of her advisory role, she works as a food and grocery delivery driver in Austin, Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver discretionary and non-discretionary investment solutions.

Jody Wilkinson is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and 18 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and investment modeling to support client planning needs.

Nancy De Leon is an International Wealth Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 1995 and has been active in the financial services industry since 1992. Nancy focuses on developing wealth management strategies tailored to the financial objectives of individuals, families, and their businesses, with particular expertise in legacy planning. She holds a bachelor's degree in Economics from Instituto Tecnologico y de Estudios Superiores de Monterrey and has earned professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Nancy offers clients access to the investment resources of Merrill Lynch along with the banking services of Bank of America to address a broad range of financial needs. She serves clients with interests in areas such as education planning, executive compensation, family wealth management, international wealth management, legacy planning, and portfolio management services. Nancy is fluent in English and Spanish. Outside of her professional work, her personal interests include biking, hiking, painting, photography, reading, running marathons, soccer, tennis, traveling, and yoga.

Alberto Maycotte is an International Wealth Advisor at Merrill Lynch Wealth Management, specializing in International Wealth Management, Managing New Wealth, and Sports & Entertainment. He began his career with Merrill in 1999 and has accumulated over 20 years of experience assisting families and businesses with their financial needs. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from St Mary's University. Alberto works one-on-one with clients to develop personalized financial strategies aimed at helping them achieve their long-term goals. He leverages the resources of Merrill Lynch and the banking services of Bank of America to provide sound advice and guidance. Fluent in English, Spanish, and German, Alberto is equipped to serve a diverse client base. Outside of his professional work, Alberto enjoys playing soccer and tennis, and spending time with his family.

Michael Johnson is a financial advisor with OSAIC in San Antonio, TX, holding a Series 63 license and 40 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, he acts as an insurance agent offering disability, fixed, and traditional life insurance products, and serves as a trustee managing investment accounts held in trust for an immediate family member. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on asset allocation and portfolio construction utilizing various investment vehicles and third-party managers.

Daniel Lasater is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior experience includes roles at PNC Bank, BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, Compass Bank, and Texas Capital Bank. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Harry Austin is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Victory Capital Advisers, USAA Investment Management Company, and USAA financial planning services. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management along with fund advisory services. The firm employs a blend of fundamental research and quantitative analysis, using systematic methodologies and algorithmic portfolio construction to develop model portfolios.

Omar Siddiqui is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank and Deutsche Bank AG. He serves as a board member of the Houston Shifa Foundation, a nonprofit clinic providing affordable health care to underserved communities in Houston. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Crites is a CFP®-credentialed financial advisor with Morgan Stanley in San Antonio, TX, bringing 10 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Ryan Mccleary is a CFA® charterholder with 17 years of industry experience. He currently works at Merrill and previously spent 12 years at CITI Private Bank. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Henry Shackelford is a Series 66-licensed financial advisor with Morgan Stanley in San Antonio, TX, holding one year of industry experience. His prior roles include positions at Texas Capital Bank and Camino Real Advisors, LLC, as well as time spent in full-time education. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, emphasizing tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers its services through both direct and corporate financial planning agreements.

Matthew Rodriguez is a financial advisor with Merrill in San Antonio, TX. He holds Series 63 and Series 66 licenses and has been in the industry for one year. Prior to joining Merrill, he worked at Charles Schwab & Co., Inc. for one year. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.