Alfredo Santos Sr. is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at USAA Investment Management Company, USAA Financial Planning Services, and USAA Financial Advisors, Inc. since 2011. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and due diligence on alternative investments.

Diane Diaz is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Merrill since 1985. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

F Michael Wood Jr. is a Private Wealth Advisor at Merrill Private Wealth Management. He leads the Nelson Wood Nelson team, working closely with nonprofits, endowments, businesses, and ultra-high-net-worth families to address diverse financial needs. Michael assists institutional and individual clients in managing liabilities and liquidity and coordinates efforts among clients' tax and legal advisors to promote a cohesive wealth management strategy. Michael began his career at Accenture in business and strategy consulting. He holds a B.S. in Civil Engineering from The University of Texas at Austin and an M.B.A. in Finance from Rice University's Jesse H. Jones School of Management. He holds several professional designations including Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), and Certified Financial Planner (CFP). Active in his community, Michael is past president of the Children’s Bereavement Center of South Texas and serves as Co-Chair of its advisory board. He is also a current board member of The San Antonio Academy and a past board member of the San Antonio Zoo. Michael enjoys fishing, golfing, hiking, hunting, and spending time with his wife, Jodi, and their two children.

Ryan Ortiz is a financial advisor with Merrill in San Antonio, Texas, holding a Series 66 designation and 10 years of industry experience. He has worked with Bank of America, N.A. since 2016 and has been associated with Merrill since 2014. Ortiz also teaches part-time at the University of the Incarnate Word. 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 and institutional clients.

Matthew Rose is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process and incorporating ESG eligibility considerations.

Ann Kilmer is a financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. She holds Series 63 and Series 66 credentials. Kilmer has worked with firms including United Planners Financial Services of America and Invest Financial Corporation, and she also operates Kilmer and Company, PLLC, an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of financial professionals.

William Sammons is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Outside of his advisory role, Sammons is a partner at HYGGE Ranch LLC, a real estate business in San Antonio. 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 incorporate structured discovery and firm‑approved tools to model outcomes without providing individual security recommendations in standalone planning.

Robert Arteaga is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. His career includes roles at MML Investors Services Inc, MassMutual, Investment Professionals, Inc., and Ameriprise Financial Services, Inc. He has been with Ameriprise since 2018. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored retirement income recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.

Joshua Wallace is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining J.P. Morgan, he worked at PNC Investments and BBVA Securities. Outside of his advisory role, he owns a rental property condo in Corpus Christi, TX, which he manages for short-term rentals. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary program.

Caleb Smith is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His background includes roles at Bank of America, Clearview Eastern, and various educational institutions in San Antonio. He has experience in both financial services and education. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ricardo Guerrero serves as the Resident Director and International Wealth Advisor at Merrill. With over 20 years of experience in the financial services industry and specialized expertise in wealth management since 2003, he manages a diverse client base that ranges from first-generation wealth to multigenerational wealth planning for both U.S. and international clients. He is fluent in English and Spanish and holds the Personal Investment Advisor (PIA) designation. Born and raised in South Texas, Guerrero moved to San Antonio in 1995 where he completed his Bachelor's degree in Business Administration with a concentration in Management from the University of Texas at San Antonio. His professional focus includes college education planning, family wealth management, international wealth management, socially responsible investing, retirement planning, and portfolio management services. Guerrero is actively involved in his community through various professional organizations including co-chairing the Bank of America Hispanic Latino Business Council and mentoring through the InSpireU Mentorship Program. He emphasizes stability, balance, and the best interests of his clients in his practice. Outside of work, he enjoys spending time with his family, traveling, and participating in sports and adventure activities.

William Lissau is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Merrill since 2009 and has been affiliated with Bank of America, N.A. since 2004. Lissau serves as a trustee for the Lew Wentz Foundation, a charitable organization providing loans and scholarships to students at the University of Oklahoma. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, utilizing model-based and discretionary strategies for a diverse range of individual and institutional investors.

Fernando Cano is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 63 designation and has worked at Bank of America and Merrill since 2015. He is based in San Antonio, TX. 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.

Samuel Haley is a Series 66-registered financial advisor with Raymond James & Associates in San Antonio, TX, where he has 18 years of industry experience. He has been with Raymond James since 2008. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, pension plans, and charitable organizations, offering financial planning and investment consulting primarily through non-discretionary strategies supported by extensive research and portfolio management options.

William Young is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His prior experience includes roles at Lincoln Financial Advisors, Cetera, and Security Service Cuso, L.L.C. He is also involved with Young, Knight & Oberholtzer, LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services supported by a range of investment strategies, research tools, and institutional platforms.

Monique Cassidy is a financial advisor with Raymond James Financial in San Antonio, TX, holding Series 63 and Series 66 registrations and with 27 years of industry experience. She has worked with Raymond James Financial Services Advisors, Inc. and related entities since 2015. Cassidy is also employed as a registered sales assistant with Security Service Investment Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

Janis Gonzalez is a financial advisor at Fidelity with seven years of industry experience. She previously worked at JP Morgan Securities LLC and Hot Noize before joining Fidelity in 2025. Gonzalez holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Brian Tramontano is a Wealth Management Advisor with over 30 years of experience in the financial services industry. He currently leads Tramontano & Associates, a team he formed in 2010 at Merrill Lynch Wealth Management, where they focus on providing customized wealth management strategies and a client-first service approach. Brian serves as a portfolio manager for the Merrill Investment Advisory Program and acts as a national spokesperson for Merrill Lynch, discussing financial and portfolio strategies. His expertise spans portfolio and risk management, retirement income planning, wealth transfer and legacy management, and long-term care, among other areas. Brian holds several professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). He has been recognized nationally, appearing on Forbes and Barron's lists of top wealth advisors multiple times from 2015 through 2026. Brian holds a bachelor's degree from The University of Texas at San Antonio. He contributes to several community organizations, including The Boys and Girls Club of San Antonio, Antonian College Preparatory High School, the UTSA Roadrunner Foundation, and participates as a mentor in the UTSA Golf 24 program. Additionally, he serves on the grant committee for the Merrill Lonestar Market in San Antonio, which supports local charities. In his personal time, Brian enjoys golfing, running, and spending time with his family.

Katherine Karr is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 designation with eight years of industry experience. Her career includes prior roles at Merrill Lynch, Bank of America, and SWBC Investment Services, among others. She also worked briefly at HotWorx and Alamo Colleges. Morgan Stanley Wealth Management serves individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-based financial planning services.

Philip Nelson is a Series 66-licensed financial advisor with J.P. Morgan Securities in San Antonio, TX. He joined the firm in 2026 and has prior experience with USAA and North Dallas Bank and Trust. His background also includes roles at Texas A&M University and Nelco Media. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and an ESG eligibility framework.