Natalia Torres Decarlo is a financial advisor with J.P. Morgan Securities in The Woodlands, TX, holding a Series 66 designation and six years of industry experience. Her background includes roles at JPMorgan Chase Bank, Bank of America, and Merrill. Outside of financial services, she is the owner and manager of TopNotch NTD Properties LLC, a real estate business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority.

John Taphorn serves as a Wealth Management Advisor and leads a team dedicated to providing financial advice and services to affluent families and successful business owners. With over 40 years of experience in the financial services industry, he focuses on complex planning needs and financial strategies tailored to high net worth investors and private business owners. John holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor℠ (CRPC), and Certified Divorce Financial Analyst® credentials. He earned his Bachelor's Degree in Economics from the State University of New York at Albany, and holds FINRA Series 7, 24, 53, 63, and 65 registrations. Outside of his professional work, John enjoys spending time restoring and racing vintage race and collectible cars. He is married and a father of two, with a family connection to his wealth management team through his son, Robert.

Lori Parr is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. She holds the Series 66 designation and is based in The Woodlands, TX. Outside of her advisory role, she is Vice President of Circle P Country LLC, a family-owned property business in Conroe, TX. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm is notable for its large network of financial advisors and branch offices, as well as its affiliated capabilities including trust services, mutual funds, and securities-based lending.

Thomas Daniels is a financial advisor at Ameriprise with nine years of industry experience. He has been with Ameriprise since 2021 and had previous self-employed roles as well as a prior Ameriprise Financial position in 2017. Outside of finance, Daniels is involved in music as a guitar instructor and performer, recording and playing under various stage names. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written recommendation reports and ongoing advice that integrate investment research with tax-aware withdrawal strategies, focusing on dependable income sources for clients nearing or in retirement.

Marc Flamer is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He works collaboratively with clients to develop comprehensive financial plans, utilizing the expertise of his team and the resources available at Fidelity. Prior to his current role, Marc served as a Planning Consultant at Fidelity Investments from 2021 to 2023, a Relationship Manager at Fidelity from 2020 to 2021, and a Financial Advisor at Equitable Advisors from 2017 to 2020. Throughout his career, Marc has focused on providing valuable financial planning experiences to his clients. His approach involves leveraging team knowledge and company resources to tailor financial strategies that meet individual client needs. Outside of his professional work, Marc has interests in cars and football.

Jon Henderson is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked with Mass Mutual and its affiliates since 1979, including over four decades at MML Investors Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a structured planning process that emphasizes collaborative client relationships and goal analysis.

Janet Perry is a financial advisor with Morgan Stanley in The Woodlands, TX, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Her prior roles include positions at Wells Fargo Bank and Wells Fargo Clearing, along with a decade at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and firm-approved tools but does not provide individual security recommendations as part of standalone plans.

Jerry Franklin is a financial advisor at Morgan Stanley with 56 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm’s approach includes structured discovery conversations and firm-approved planning tools, supporting clients with comprehensive financial planning options.

Robert Franklin is a CFP® professional with 13 years of industry experience, currently associated with LPL Financial since 2024. He previously worked at Edward Jones for 11 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and custom strategies across various asset classes.

Teresa Packer is a financial advisor at Charles Schwab with two years of industry experience. She holds a Series 66 designation and has prior experience at Raymond James Financial Services Advisors, Inc., Woodforest Wealth, and multiple roles in the hospitality industry. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Alex Vazquez is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and build personalized strategies tailored to their unique needs. Alex provides ongoing advice and guidance as clients' situations evolve, helping them manage competing financial priorities effectively. Alex specializes in assisting clients with various aspects of financial planning, including investing, retirement planning, and preparing for unexpected expenses. He collaborates with clients one-on-one to design portfolio strategies aimed at achieving their short-, mid-, and long-term objectives. Alex is also able to connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions. He holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Cathedral High School. Alex is fluent in both English and Spanish. Outside of his professional role, he enjoys spending time with his family, traveling, and participating in sports such as baseball, basketball, billiards, boxing, football, and golfing.

Melissa Poppell is a financial advisor with LPL Financial and holds a Series 66 designation. She has 20 years of industry experience, including prior roles at Sigma Financial Corporation, SPC, and Edward Jones. Outside of her advisory work, she is a business owner of Gaas Enterprises, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Patrick Kelly is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of experience in the industry. He has worked at LPL Financial since 2009 and previously spent five years at Ameriprise. Kelly is also involved in a non-variable insurance business focused on disability and long-term care coverage. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Jennifer Chachere is a financial advisor with Ameriprise in Spring, TX, holding a Series 63 designation and over 31 years of industry experience. She has been with Ameriprise and its predecessor entities since 1993. Outside of her advisory role, she volunteers as a mentor for children at Eiland Elementary School through the St. Dunstan's Kids Hope program. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset criteria, providing annual written recommendations that incorporate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Casey Schurwon is a Certified Financial Planner® (CFP®) and holds a Series 66 license, with 11 years of experience in the financial services industry. He has been with UBS Financial Services since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Dawn Vlier Bush is a financial advisor with Thrivent Investment Management, holding a Series 66 designation. She joined the firm and its affiliates in 2025 and has prior experience at healthcare organizations spanning two decades. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm’s approach includes holistic, goal-based planning on various financial topics, with options to combine planning with managed-account services under a consolidated billing system called “WealthPlan.”

Lynn Fletcher is a CFP® professional affiliated with Cetera, with 39 years of experience in the financial services industry. Prior to joining Cetera in 2025, Lynn held roles at Avantax Advisory Services, Provision Brokerage, and Avantax Insurance Agency, among others. In addition to financial advising, Lynn operates a tax preparation and accounting business as a certified public accountant. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party strategies.

Gary Price Sr. is a financial advisor with Cetera who holds the PFS™ designation and has 28 years of industry experience. His career includes long tenures at Avantax Advisory Services, Avantax Insurance Services, and 1st Global Advisors, as well as co-ownership of Price & Price, CPA since 1985. Cetera Investment Advisers LLC is a multi-manager platform serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options, combining affiliated and third-party model portfolios under both discretionary and non-discretionary authorities.

Chayden Tibbitts is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2017. Prior to joining the firm, he worked briefly at Brigham Young University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Azhoun Al Sada is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Bank of America and Santander Securities. Outside of his advisory role, he is the sole owner of a rental property in Magnolia, Texas. 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 a range of model-based and discretionary investment strategies for individuals and institutions.