Ryan Ortiz is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and having 10 years of industry experience. He has worked at Merrill since 2014 and at Bank of America, N.A. since 2016. Outside of his advisory role, Ortiz teaches part-time at the University of the Incarnate Word, a charitable organization. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a varied client base including individuals, high-net-worth clients, and institutional accounts.

Matthew Rose is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s Institutional Consulting Services program offers non-discretionary advice delivered by a select group of Wealth Advisors.

Ann Kilmer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and over 27 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2025 and previously served at United Planners Financial Services of America for eight years. Outside of advisory work, she operates Kilmer and Company, PLLC as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals utilizing multiple custody platforms and a range of discretionary and non-discretionary strategies.

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 at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at PNC Investments, BBVA Securities Inc., and Comerica Bank. Outside of his advisory role, he is an owner and partner of La Sirena Rental LLC, managing a rental property in Corpus Christi, Texas. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Caleb Smith is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His work history includes roles at Bank of America, Clearview Eastern, and educational institutions such as A&M University at San Antonio and San Antonio College. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

William Lissau is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill since 2009 and has also worked at 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 University of Oklahoma students. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, delivering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Fernando Cano is a financial advisor with Merrill in San Antonio, TX, holding a Series 63 license and 24 years of industry experience. He has been with Merrill and Bank of America since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates into Bank of America’s broader platform, providing access to a wide range of products and services.

Samuel Haley is a financial advisor with Raymond James & Associates in San Antonio, TX, holding a Series 66 designation and 17 years of industry experience. He has been with Raymond James & Associates since 2008. Raymond James & Associates provides financial planning and investment consulting to a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients, with offerings that also include wrap fee advisory programs and institutional consulting through its Institutional Fiduciary Solutions division.

William Young is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Prior to joining LPL Financial in 2024, he spent nine years with Lincoln Financial Advisors. Outside of his advisory role, he is involved with Young, Knight & Oberholtzer, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Monique Cassidy is a financial advisor with Raymond James Financial in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Raymond James Financial Services Advisors since 2015. Cassidy also works as a registered sales assistant with Security Service Investment Group. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting through Wealth Advisory Services and institutional solutions, with a distinctive focus on non-discretionary advisory relationships supported by extensive affiliate resources.

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 Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. He founded Tramontano & Associates in 2010, developing a team focused on delivering customized wealth management solutions and concierge-level service to a select group of clients. Brian is recognized nationally and has been named to the Forbes "Top 250 Wealth Advisors" and "Best in State Wealth Advisors" lists, as well as Barron's "Top 1,200 Advisors," demonstrating his sustained expertise in the field. He serves as a national spokesperson for Merrill Lynch, discussing financial and portfolio strategies, and participates in educating advisors through the firm's national faculty and coaching programs. Brian holds multiple professional designations, including the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). He earned a bachelor's degree from The University of Texas at San Antonio. His areas of focus include portfolio and risk management, retirement income and planning, wealth transfer and legacy management, and customized financial strategies across various client needs. In addition to his professional work, Brian is involved in community organizations such as the Boys and Girls Club of San Antonio, Antonian College Preparatory High School School Council, the University of Texas at San Antonio Roadrunner Foundation, and the UTSA Golf 24 mentoring program. He also participates in the Merrill Lonestar Market grant committee that provides funding to local charities. Brian enjoys golfing, running, and spending time with his family.

Katherine Karr is a Series 66-licensed financial advisor at Morgan Stanley in San Antonio, TX, with seven years of industry experience. Her prior roles include positions at Merrill Lynch, Bank of America, and AXA Advisors. She also has experience in education at the University of Texas at San Antonio and community fitness with HotWorx. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Philip Nelson is a Series 66-licensed financial advisor with J.P. Morgan Securities in San Antonio, TX. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. His prior experience includes roles at USAA and North Dallas Bank and Trust, along with time at Texas A&M University and Nelco Media. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm incorporates ESG criteria in its investment recommendations and offers services on a non-discretionary basis, with clients retaining final decision authority.

Jake Spruiell is a financial advisor with Cetera, holding a Series 63 license and over 27 years of industry experience. His prior roles include positions at PNC Managed Account Solutions and BBVA Wealth Solutions. He is the owner of Sonterra Wealth Management LLC, where he is actively involved in client services and trade execution. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with over $256 billion in assets under management.

Sebastian Bathie is a Financial Advisor at Merrill Lynch Wealth Management, based in San Antonio, Texas. He is a Team Financial Advisor focused on Business Development, bringing a strong analytical mindset and a collaborative approach to supporting strategic growth and informed financial decision-making. Sebastian is committed to assisting individuals and organizations in making confident financial decisions as part of the Hayne, Moon & Associates team at Merrill. Sebastian began his career after earning a bachelor's degree in Communication from Texas Christian University in 2019. He spent over six years serving the aerospace and defense sector, supporting mission-critical programs and building long-term strategic client relationships. While working full-time, he earned an MBA in Finance from Southern Methodist University, which strengthened his skills in finance, strategy, and leadership. His expertise encompasses investment goal articulation, portfolio management, risk analysis, and strategies in retirement planning, tax minimization, and business succession. Sebastian holds the Personal Investment Advisor (PIA) designation. He focuses on areas such as college education planning, portfolio management, small business strategies, retirement income, and tax minimization. Outside of his professional role, Sebastian enjoys basketball, fishing, football, golfing, hunting, running, spending time with his family, tennis, and watching movies.

Michael Thompson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 2019 after retiring from the Navy, where he served for over 20 years as a Naval Aviator and Military Operational Planner. In his current role, Michael works with families and businesses to develop financial strategies tailored to their goals, risk tolerance, liquidity needs, and investment timelines. He leverages technology to provide secure client support across the country and offers access to a range of banking and lending services through Bank of America. Michael holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Certified Plan Fiduciary Advisor® (CPFA®) designation, and is a qualified Senior Portfolio Advisor and Retirement Accredited Financial Advisor. His educational background includes a Bachelor's degree in Mechanical Engineering from the United States Naval Academy, a Master's degree in National Security and Strategic Studies from the United States Naval War College, and an Executive Program in Financial Planning from the University of Georgia's Terry College of Business. Beyond his professional commitments, Michael is actively involved in his community and various organizations such as American Heritage Girls, Habitat for Humanity, Trail Life USA, Vet 2 Vet, and the safety team at Statesboro First Baptist Church. He and his wife live on their family farm in South Georgia, where they homeschool their four children and engage in raising livestock, poultry, and growing timber and fruit trees.

Thomas Platt is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he serves as a board member for Posse Houston, where he participates in community engagement activities including volunteering and fundraising. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations.