Phillip Stedman is a Financial Advisor at Merrill Lynch Wealth Management, where he is part of The Graham Group, a dedicated wealth management team serving clients in Austin. He specializes in helping individuals, families, and business owners navigate the complexities of their financial lives by providing disciplined planning tailored to their unique goals and lifestyle. Phillip works closely with clients to align their financial strategies with their personal objectives, including optimizing equity compensation, preparing for retirement, and building generational wealth. Phillip holds a Bachelor's Degree from the University of Mississippi and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor (PIA). He leverages the full resources of Merrill and Bank of America to offer investment insights and banking solutions, emphasizing transparency and a personalized approach in his client relationships. Outside of his professional work, Phillip enjoys training for endurance events such as marathons, reflecting his dedication to discipline and goal-setting. He lives in Austin with his wife and their two Australian shepherds, and he spends time engaging in activities including golfing, sports, and exploring the local food scene.

Daniel Aulicino is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2020. In this role, he partners with clients to develop and implement financial strategies focused on investment and retirement planning, continuously monitoring progress to help them achieve their financial goals. He brings extensive experience in financial advisory roles, having worked at Mercer Advisors as a Client Advisor from 2018 to 2020, and at TIAA as a Wealth Management Advisor from 2016 to 2018. His career also includes positions at Fidelity Investments, Citibank, Bank of America, TD Ameritrade, and Morgan Stanley, demonstrating a broad background in financial consulting and management. Outside of his professional work, Daniel has interests in cars, football, running, and traveling.

Taylor Lipps is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a broader range of investment products that include insurance-related vehicles and bank deposit sweep options.

Richard Huber is a CFP® professional with nine years of experience in the financial industry. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Brandon Bynum is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo affiliates since 2003. His current role at Wells Fargo Clearing began in 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thaddeus Watkins is a financial advisor at Morgan Stanley in Austin, TX, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley, he worked at Edward Jones for six years and has additional experience in the automotive sales industry. Outside of his advisory role, Watkins is the owner and CEO of Impact 56 LLC, a mentorship and leadership training business focused on developing young professionals. 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 supported by structured planning tools and investment analysis methods.

John Tuttle Jr. is a financial advisor at Cetera with 42 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Cetera since 2025. Prior to that, he spent over two decades at Concourse Financial Group Securities Inc. He is also the president and owner of Tuttle & Associates, a financial and insurance services business specializing in life, disability, and fixed annuity insurance products. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management services and access to various third-party money managers.

Caroline Cho is a financial advisor with J.P. Morgan Securities in Austin, TX, holding Series 66 and Series 63 licenses and 19 years of industry experience. She has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2012. In addition to her advisory role, she is a member of Wild Elm Paper Company, a business she has operated since 2015 that creates cakes for occasions and designs paper goods and décor for events. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Robert Krumholz is a financial advisor at Merrill with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill and Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jude Sayah is a financial advisor at Wells Fargo Clearing in Austin, TX, holding Series 65 and Series 63 licenses with one year of industry experience. His prior experience includes roles at NYLIFE Securities LLC, New York Life Insurance Company, Equitable Advisors, LLC, and Oliver James. He has also been involved with the Alzheimer’s Association. 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 roughly $671 billion in assets and employs more than 14,000 advisors, providing both brokerage and advisory solutions supported by research and analytics.

James Epperson is a financial advisor at Morgan Stanley in Austin, TX, holding a Series 66 designation with six years of industry experience. His prior roles include positions at UBS Financial Services and Frost Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Fernando Trevino Rocha is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Monex Grupo Financiero for ten years and has been with Merrill and Bank of America since 2022. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brittany Hyde is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2012. Outside of her advisory role, she holds power of attorney for a private entity in San Antonio, Texas. 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 tailored for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Megan Hausmann is a financial advisor at Wells Fargo Clearing with a Series 66 credential and two years of industry experience. Her prior roles include positions at APEX Fintech Solutions, Fusion Financial Partners, and Novum Group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dominic Lanzillotta is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in private wealth retirement planning and focuses on delivering personalized financial strategies to help clients pursue their long-term goals. Dominic's client focus areas include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Born and raised in Cincinnati, Ohio, Dominic graduated from the United States Military Academy at West Point. He is an Army combat veteran and Bronze Star recipient. After serving in the military, he worked at Deloitte Consulting with a focus on supply chain and mergers and acquisitions. He transitioned to wealth management at Merrill Lynch to make a more direct and positive impact on clients and to apprentice under a veteran advisor with 38 years of experience. Dominic holds the professional designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Dominic currently resides in south Austin with his dog Byron. He enjoys hiking, golfing, reading, and spending time with family. He also participates in community volunteer activities, following the Merrill tradition of community involvement.

Johann Frederik Kirsten is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in customized, actively managed financial strategies tailored to individual investment goals. He has expertise in areas including college education planning, international wealth management, socially responsible and values-based investing, tax minimization, retirement income, and portfolio management services. Johann Frederik holds a Bachelor of Engineering from the University of Pretoria in South Africa and a Master of Business Administration with a focus on International Business and Finance from the University of Texas at Dallas. His academic experience includes international study in Germany and Poland to analyze multinational corporate investments. Prior to joining Merrill Lynch Wealth Management in 2018, he gained extensive experience in engineering, finance, and business management through roles at Anglo American Corporation and Bristol Myers-Squibb Pharmaceuticals, as well as managing his own development and investment businesses. Fluent in Dutch and English, Johann Frederik resides in Austin, Texas, with his wife and two children. He aligns his work with a personal philosophy of developing one-on-one financial strategies to help clients pursue long-term goals and participates in community volunteering consistent with Merrill’s tradition of service. His personal interests include adventure sports, biking, camping, chess, hunting, running marathons, scuba diving, tennis, and traveling.

West Jackson is a financial advisor with Cambridge Investment Research Advisors holding Series 66 and Series 63 licenses. Based in Austin, TX, Jackson has one year of industry experience and previously worked in fitness and retail sectors, including Lifetime Fitness and Trader Joe’s. Outside of financial services, Jackson has been involved with a fitness education training center. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement sponsors. The firm offers a range of financial planning and investment management services delivered through independent professionals, utilizing proprietary models as well as third-party strategies across multiple platform arrangements.

Whitney Allen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and offers services on a non-discretionary basis, with clients maintaining final decision-making authority.

Barry Wood is a financial advisor with Ameriprise in Austin, TX, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Carlos Aguilera serves as an International Wealth Advisor and Senior Vice President at Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies for clients, particularly those managing cross-border wealth complexities. Since 2012, he has dedicated his career to addressing the unique financial needs of his clients. Carlos brings over a decade of experience in financial services and expertise in areas including family wealth management strategies, international wealth management, liquidity management, tax minimization, retirement income, and small business strategies. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) in the Merrill Investment Advisory Program. As a native Spanish and English speaker, he serves a diverse client base with clarity and confidence. He earned his bachelor's degree from the University of Texas System. Outside of his professional work, Carlos has interests in soccer, tennis, and traveling.