Cathy Lok is a Series 66-registered financial advisor with 24 years of industry experience. She is currently with UBS Financial Services, having previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. located in Houston, TX. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client strategies.

Jaikishan Daryanani is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America prior to joining Wells Fargo in 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven, grounded in modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Joseph Depaula Jr. is a financial advisor at UBS Financial Services in Houston, TX, with 36 years of industry experience. He has been with UBS since 1999. Outside of his advisory role, he is a partner in his wife's accounting business, TJ Consulting LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Narine Bhola serves as Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2025. She began her tenure at Fidelity in 2020 as a Financial Consultant before advancing to her current position. Narine has accumulated extensive experience in financial consulting through her previous roles, including Senior Financial Consultant at TD Ameritrade Inc from 2018 to 2020, Investment Consultant at Scottrade from 2016 to 2018, and Private Client Advisor at JPMorgan Securities, LLC from 2011 to 2015. Her career also includes positions as a Licensed Relationship Banker at Chase Investments Services Corp and Licensed Personal Banker at Astoria Federal Savings. Narine works with clients to define and prioritize their financial goals through in-depth planning, developing tailored strategies to meet the unique needs of her clients and their families. She emphasizes periodic reviews of plans and strategies to support long-term financial success. Outside of her professional work, Narine enjoys family activities, fitness, social events with friends, outdoor adventures, traveling, and volunteering.

Donald Elster Jr. is a financial advisor with Raymond James & Associates in Houston, TX, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and municipal entities. The firm offers a range of financial planning and consulting services, with an emphasis on non-discretionary relationships supported by comprehensive portfolio management options and firm research.

Tracy Mc Cormack is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Ameriprise since 2006, initially with Ameriprise Financial Services, Inc. and continuing with Ameriprise since 2020. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Timothy Brown is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to joining Edward Jones, he was employed at Jacobs Engineering Group from 2016 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Byron Huff is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 credentials and seven years of industry experience. He has previously worked at Primerica Financial Services and has over two decades of experience at AT&T. Outside of his advisory role, he drives part-time for Uber and serves as president of a real estate investment company. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Daniel Austin is a financial advisor with RBC Capital Markets in Houston, TX, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at City National Bank and Raymond James & Associates. He serves as a director and board member for nonprofit foundations including the Blue Bird Circle Foundation and The Strake Jesuit Foundation, and is involved with the Houston Country Club as a committee member. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers customized advisory programs and portfolio management solutions that utilize a combination of in-house and third-party investment resources.

Tony Yu is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank from 2012 to 2018 before joining Cetera and East West Bank in 2018. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Thomas Ballard is a financial advisor with Ameriprise in Katy, Texas, holding a Series 66 designation and 21 years of industry experience. He previously worked at Edward Jones and has been with Ameriprise and its affiliate since 2004. He is also involved in managing an advisory business through My Boy Blue LLC. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kinsley Schaff is a Wealth Management Planning Consultant. In this role, Kinsley works in strategic partnership with Wealth Management Advisor Josh Ecroyd to develop a thorough understanding of clients' objectives and long-term priorities. Kinsley is responsible for proactively identifying and addressing the intricate needs of the firm's most affluent families while acting as a trusted advocate and steward of service excellence. Kinsley has held positions at Fidelity Investments, serving as a Planning Consultant from 2025 to 2026 and as a Relationship Manager in 2025. Further details regarding education, credentials, personal interests, or community involvement have not been provided.

Luis Aguilar is a Financial Consultant currently working at Fidelity Investments. He collaborates with clients to develop comprehensive financial plans tailored to their unique needs and goals. Luis focuses on building and maintaining client relationships based on trust and integrity, aiming to establish long-term partnerships that support financial success. Luis has experience in various roles within the financial services industry, including positions at Fidelity Investments and Merrill Lynch Bank of America. His previous roles include Investment Consultant, Planning Consultant, Financial Solutions Advisor, and Senior Relationship Manager. This diverse background contributes to his expertise in financial consulting and planning. Outside of his professional work, Luis is interested in family activities, football, music, soccer, traveling, and volunteering.

Xiaoqing Mathews is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012, including time at JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to clients such as 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 brokerage and investment management capabilities.

Kingsley Davis is a Series 66-licensed financial advisor with nine years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Ameriprise, Eagle Strategies (a New York Life affiliated firm), and New York Life Insurance Company. He also operates a non-investment business entity for tax and investment purposes. 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 financial planning and portfolio management services, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.

Peter Herb Jr. is a CFP® professional with 13 years of industry experience, currently practicing at Cetera in Houston, TX. He has worked with Cetera and its affiliates since 2021 and owns WealthCo Financial Group, LLC, an investment-related business active since 2018. Prior to Cetera, he held roles at Avantax Insurance Agency and Avantax Advisory Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

David Covington is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and over 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory role, he is involved in business consulting through Covington Family Enterprises, LLC. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement who meet specific asset criteria. The firm provides comprehensive, research-based, and tax-efficient retirement income recommendations, supported by a centralized consulting team and algorithmic tools, within a large institutional platform that also offers brokerage and insurance solutions.

Michael Nichley is a financial advisor with UBS Financial Services in Houston, TX, holding a Series 66 designation and 15 years of industry experience. He has worked at UBS since 2021 and was previously with Morgan Stanley and its affiliated entities from 2012 to 2021. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers additional products such as futures commission merchant services and securities-backed lending programs.

Ruben Valdez is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Edward Jones for three years and has held roles at JPMorgan Chase Bank, N.A. Valdez holds a Series 66 designation. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Jason Tang is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, Bank of America, BB&T, and JPMorgan Chase Bank. Tang has been with J.P. Morgan Securities since 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services through a combination of advisory and brokerage capabilities, with recommendations made on a non-discretionary basis.