Kristina Summers is a CFP® and ChFC® with 27 years of industry experience, currently affiliated with Kestra Advisory. She previously worked at Edward Jones for 18 years before joining Kestra in 2021. Outside of her financial advisory role, Summers serves as Vice President and Secretary of Morningside Ministries and assists with organizing estate sales through Caring Transitions in San Antonio. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse group of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors including sovereign wealth funds.

Gerardo Ramirez Jr. is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at Eagle Strategies and New York Life Insurance Company. Outside of his advisory role, Ramirez is the owner of Burke Material Handling LLC, a heavy machinery company, where he occasionally provides sales training. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage services, financial planning, retirement plan consulting, and investment advisory programs that include both proprietary and third-party models.

Levi Anderson is a Series 66-licensed financial advisor at Centaurus Financial, Inc. in San Antonio, Texas, with five years of industry experience. His prior work includes a one-year role at FSC Securities Corporation and 15 years managing livestock and wildlife operations at D&D Texas Outfitters. Anderson is active in community and charitable efforts as a committee member of the military charity Wish For Our Heroes. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management with various platform options, retirement-plan consulting, and specialized advisory services through both discretionary and non-discretionary arrangements.

Mario Moreno is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Citigroup Global Markets, where he has worked since 2022. Prior to that, he held roles at SWBC Investment Company and SWBC Investment Services, LLC from 2019 to 2022, and worked at Enterprise Holdings LLC from 2014 to 2018. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supporting a broad client base from workplace to ultra-high-net-worth individuals.

Gregory Drew is a financial advisor with Independent Financial Partners in San Antonio, TX, holding Series 63 and Series 65 credentials and 26 years of industry experience. His career includes prior roles at LPL Financial and IFP Securities, LLC. He serves as a board member of The Coppini Academy of Fine Arts, an organization dedicated to promoting classic, representational art. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients with decentralized investment strategies and notable retirement-plan and pension consulting capabilities.

Raymond Frueboes is a CFP® professional with nine years of industry experience. He is currently with Sequoia Financial Group, L.L.C. and previously worked at firms including TIAA, Citigroup Global Markets, SWBC Investment Company, Charles Schwab, and Fidelity Brokerage Services. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse range of clients, including high-net-worth individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house models, custom portfolios, and third-party managers, with oversight from an Investment Policy Committee that regularly reviews and rebalances portfolios.

Olutayo Sobamowo is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Citigroup Global Markets in 2023, he worked at Wells Fargo for five years and Covenant Health System for one year. Outside of his advisory role, he provides home care assistance to elderly clients through Alegria Primary Home Care Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm utilizes multi-asset, multi-manager strategies and operates at a large institutional scale with distinctive market roles such as swap dealing and futures commission merchant services.

Gregory Kelly is a financial advisor with Eagle Strategies (NY Life) in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing four years of industry experience. His career includes roles at NYLIFE Securities LLC and New York Life Insurance Company. Outside of advising, he serves on the board of directors for Caiden's Hope Foundation and participates in oversight committees for the Alamo Colleges District. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers tailored solutions across multiple program types, emphasizing non-discretionary asset management and fiduciary responsibilities in retirement planning.

Leslie Nettles Zamora is a financial advisor with Sequoia Financial Group, L.L.C. in San Antonio, TX, holding Series 63 and Series 66 credentials and bringing nine years of industry experience. Prior to joining Sequoia in 2025, she worked for six years at Raymond James & Associates Inc. Her background also includes roles in education within the Comal and North East Independent School Districts. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base, including high-net-worth individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a mix of in-house model portfolios, custom accounts, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.

Pamela Wise is a financial advisor with Guardian Life and holds a Series 66 credential. She has 18 years of industry experience, including roles at Park Avenue Securities and Farmers Insurance. Outside of financial services, she owns Pam's Saucy Spoon, a business specializing in baked goods and pre-made meals. Park Avenue Securities LLC, operating as Park Avenue Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and investment advisory programs, utilizing both proprietary and third-party model portfolios.

Karen Twitty is a Series 66-licensed financial advisor with First Command Advisory Services in San Antonio, TX, bringing five years of industry experience. Prior to joining First Command, she worked with the Department of Defense Education Activity and in educational roles. She is also a member of Twitty and Associates, a non-investment-related business. First Command Advisory Services provides financial planning and wrap-fee asset management programs primarily serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm employs a centralized investment management team and offers a range of model portfolios utilizing mutual funds, ETFs, and third-party managers.

Ili Mansfield is a financial advisor at First Command Advisory Services with three years of industry experience. Mansfield holds the Series 66 designation and has worked within various entities of First Command since 2022. Prior to entering the financial services industry, Mansfield had roles in hospitality and early childhood education. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers using a structured model portfolio approach.

Shane Pfeffer is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with VOYA since 2014. Outside of his advisory role, he owns and manages cattle sales through Shane Pfeffer Farms. VOYA Financial Advisors serves a diverse client base including individuals, institutional clients, retirement plan sponsors, and high-net-worth individuals. The firm offers financial planning, portfolio management, and plan-sponsor consulting, delivering advice primarily through non-discretionary and wrap program structures.

Victoria Franco is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 licenses and two years of industry experience. She has been with Citigroup since 2011. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with thorough manager selection and oversight, supporting both discretionary and non-discretionary accounts.

Guillermo Sauceda is a financial advisor at Citigroup Global Markets with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. The firm serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. Citigroup Global Markets combines large institutional scale with unique market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Howard Lutz is a financial advisor with Corient based in San Antonio, TX, holding Series 63 and Series 66 licenses, and has nine years of industry experience. His prior roles include positions at Intercontinental Wealth Advisors LLC and Broadway Bank. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and employs risk management tools and alternative investment options.

Brandon Bowman is a financial advisor at Ameritas Advisory Services, LLC with 21 years of industry experience. He holds the Series 66 designation and has worked at firms including Midwest Financial Solutions, Granite Financial Solutions, LPL Financial, and Cetera Financial. Bowman is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, fiduciary retirement plan advice, and a range of portfolio management options utilizing model portfolios, third-party sub-advisers, and custom strategies.

Rachell Roach is a financial advisor with Eagle Strategies (NY Life) based in San Antonio, TX. She holds the Series 65 and Series 63 licenses and has four years of industry experience. Prior to her financial services career, she served in the United States Air Force for 24 years. Roach volunteers as a poll worker in Comal County, assisting with voter registration and election procedures. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Taylor Gaudlitz is a Series 66-credentialed advisor with First Command Advisory Services in San Antonio, TX, and has five years of industry experience. His background includes roles across multiple First Command entities since 2020 and prior work with Instacart and the Cockrell Butterfly Center at Houston Museum of Natural Science. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team, emphasizing in-person financial coaching and an employee-ownership structure.

Susan Smith is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 23 years of industry experience. Her prior work includes roles at Fidelity Investments, Bank of America, Merrill, Victory Capital Management, and Advisors Asset Management. She serves as an adult leader, treasurer, and committee member for a local Boy Scouts of America troop. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees, combining large institutional scale with unique market roles such as swap dealer and futures commission merchant.