Raul Guerrero is a CFP® with 17 years of industry experience, currently serving at Charles Schwab in San Antonio, TX. His prior roles include positions at USAA Financial Advisors Inc. and USAA Investment Management Company. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Christopher Budde is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. Prior to joining J.P. Morgan in 2019, he worked at Mcgill Airflow LLC and Panda Express, and he attended Abilene Christian University. J.P. Morgan Securities 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.

Richard Sosa is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Citigroup Global Markets and Citibank for 15 years. He is currently based in San Antonio, TX. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Wesley Taylor is a financial advisor with Raymond James Financial in San Antonio, TX, holding Series 65 and Series 63 licenses. He has one year of industry experience and previously worked at Mutual of Omaha Insurance and Investor Services. In addition to his advisory role, he serves as a worship leader at First Presbyterian Church. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory solutions and maintains a notable presence in municipal and public finance through its affiliate network.

William Davis III is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including International Bank of Commerce, Air Force Federal Credit Union, and SWBC Investment Services. Outside of his advisory work, he is involved with Double D Bar Ranch, LLC, a non-investment related business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by research and model portfolios from internal and third-party sources.

Richard Sharp is a financial advisor at Osaic Wealth, Inc. with over 31 years of industry experience. He has held roles at Securian Financial Services and Securities America Advisors, among others. Sharp is also the owner of Symmetry Financial Solutions, an advisory and insurance business based in San Antonio, TX. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, using various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Catherine Bruce is a financial advisor with Ameriprise in Bulverde, TX, holding a Series 66 designation and 18 years of industry experience. She previously worked at RBC Capital Markets Corporation for 11 years before joining Ameriprise in 2019. Outside of her advisory role, she has involvement in non-investment-related real estate ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis delivered through a centralized consulting team alongside its broad advisory and insurance offerings.

Richard Walters Jr. is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2022, with prior roles at The Vanguard Group and the Arizona State Retirement System. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs.

Lisa Martinez is a financial advisor with Fidelity in San Antonio, TX, holding Series 65 and Series 63 credentials and bringing 12 years of industry experience. She previously worked at Sendero Wealth Management, LLC, and has been with Fidelity Brokerage Services LLC since 2020. Outside of her advisory role, Martinez serves as president of her local Home Owner’s Association. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is notable for its formal advisory role to multiple registered investment companies and its use of advanced algorithmic methods and AI in portfolio management.

Jacob Corbello is a financial advisor with Raymond James Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining Raymond James, he worked at JPMorgan Chase Bank and J.P. Morgan Securities for four years and Wells Fargo Bank for eight years. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers specialized programs for small businesses and conducts risk-based reviews while leveraging its institutional scale and affiliate network to support a range of fiduciary and consulting solutions.

Jose Ramos is a financial advisor with J.P. Morgan Securities, holding a Series 66 license and seven years of industry experience. He has worked at JPMorgan Chase & Co. and JPMorgan Securities LLC since 2009. Outside of his advisory role, he is involved in the entertainment industry as a musician performing with a band in San Antonio, TX. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations and delivers its services on a non-discretionary basis.

Iryna Shepeta is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses. She has been with Primerica and its affiliate, PFS Investments Inc., since 2025. Prior to her advisory roles, she was self-employed from 2015 to 2017 and did not work in the industry from 2017 to 2025. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies created by unaffiliated asset managers and offers a range of investment models, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Michael Sonnier is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and possessing 23 years of industry experience. He has been with Merrill since 2009 and Bank of America, N.A. since 2002. Sonnier serves on the advisory board of PragerU, a media organization that provides educational content on American values. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, delivering a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, and institutional investors.

Adalberto Cuevas is an International Wealth Advisor with Merrill Lynch Wealth Management. In this role, he provides personalized wealth management strategies tailored to clients' evolving financial needs. Leveraging insights from Merrill and the comprehensive banking and lending solutions of Bank of America, he aims to help clients pursue their financial goals. With over 25 years of experience in the financial industry, Adalberto brings a deep understanding of wealth management. He was born in Mexico, grew up in Chicago from the age of eight, and has lived in San Antonio for more than 20 years. He holds a Bachelor's Degree from St. Mary's University and has earned the Personal Investment Advisor (PIA) designation. Adalberto is bilingual, fluent in both Spanish and English. Committed to community involvement, Adalberto follows the Merrill tradition of participating in local organizations through volunteer work. His professional philosophy centers on building strong, accessible relationships with clients to assist them in making important financial decisions.

Annabelle Watson is a financial advisor at Ameriprise with three years of industry experience. She previously worked at Raymond James & Associates and Recognos Financial. Watson is also involved with Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage her practice. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored planning through a centralized consulting team.

Timothy Montfort is a financial advisor at Raymond James & Associates with 16 years of industry experience and holds the Series 66 designation. He has been with Raymond James since 2009 and is also the owner and CEO of Hill Country Woodshop, a woodworking business he founded in 2018. 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. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports institutional consulting via its Institutional Fiduciary Solutions division.

Alan Imes is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2020, including time at Charles Schwab Bank, SSB. Prior to that, he was employed at USAA in various financial planning and investment management roles. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary and discretionary investment guidance, using multi-asset model portfolios, due diligence on alternative investments, and a centralized operational structure serving a large client base.

John Friesen Jr. is a financial advisor at RBC Capital Markets with 14 years of industry experience and holds a Series 66 designation. He has been with RBC Capital Markets since 2016. Outside of his advisory role, he serves on the board of directors for St. David’s Episcopal School in San Antonio, focusing on finance and budgeting. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies through various advisory programs combining in-house and third-party managers, with options for discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Joshua Galindo is a financial advisor at Morgan Stanley based in San Antonio, TX, holding the Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he was affiliated with Texas Cavaliers and has experience working in education within the Alamo Heights School District. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies.

Brian West is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding a Series 66 designation. He has one year of industry experience, previously working at Rackspace Technology and Apple. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software and a collaborative annual planning process.