Matt Clover is a financial advisor at Merrill in Frisco, TX, holding a Series 66 designation. He has been in the financial industry since 2023 with prior experience at firms including Edward Jones and Modern Woodmen of America. Outside of finance, his background includes roles in education and retail. 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 strategies managed by internal teams and third-party style managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wesley Camp is a CFP® with 31 years of industry experience, currently serving at Cetera. He has worked at Cetera Wealth Services, LLC since 2013 and at Ottawa Financial Corporation since 1994. In addition to his advisory role, he is involved in selling life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, employer-sponsored 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 accounts.

Michael Vandegrifft is a financial advisor with J.P. Morgan Securities in Frisco, TX, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work experience includes roles at Glast, Phillips & Murray, PC, and businesses in the hospitality and fitness sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Harry Wallace III is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2015. Outside of his advisory role, he is involved with HT Legacy Ice, a corporation focused on automated ice machine operations in Celina, Texas. 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 individuals, high-net-worth clients, and institutions.

Kevin Robertson is a Private Wealth Advisor with Merrill Private Wealth Management. He has been serving the financial needs of individuals and businesses since 1990 and joined Merrill Lynch Wealth Management in 2013. Kevin provides strategic advice and guidance to entrepreneurs, business owners, senior executives, and multi-generational families, assisting them with aspects such as pre-liquidity-event planning, corporate cash management, tax-sensitive investing, concentrated stock strategies, and wealth transfer to the next generation. He draws on his extensive experience to help clients maintain and grow their wealth and manage their financial priorities effectively. Kevin holds a Bachelor's degree in Business and Marketing from the University of Oregon and is a Personal Investment Advisor (PIA). His expertise includes fixed income and income-generating investment alternatives, liquidity management, legacy planning, and services for endowments, foundations, and non-profits. He emphasizes attentive listening and delivering high levels of customer service to meet clients' changing personal, family, and business needs. In addition to his professional work, Kevin is actively involved in his community. He has served on boards supporting children's education, including eight years with the Lake Oswego Schools Foundation, where he served as president and guided the formation of its endowment programs. He also supports Friends of The Hunt. Outside the office, he enjoys boating, hiking, horseback riding, surfing, spending time with his family, playing golf, and collecting and restoring classic sports cars from the 1960s.

Craig Saunders is a CFP® with over 31 years of experience in the financial industry. He has been with Ameriprise since 2005, currently serving at the firm's Prosper, TX office. Outside of advising, he holds business ownership in real estate through CJS Family Properties. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

David George is a financial advisor at Raymond James Financial with 46 years of industry experience. He holds a Series 63 designation and has worked with Raymond James Financial Services since 1999. Outside of his advisory role, he is involved in agriculture, raising horses and cattle. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and supports a broad advisor network with services that include municipal advisory and specialized retirement plan consulting.

Isaac Stevens Jr. is a financial advisor at Raymond James Financial with 49 years of industry experience. He previously worked at Edward D. Jones & Co., L.P. for 42 years before joining Raymond James in 2018. Stevens is a co-owner of Stevens Financial Services, a support company for his advisory operations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as institutions and charitable organizations. The firm offers tailored, non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting clients through various advisory programs.

Sean Kemery is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has 12 years of industry experience, including roles at Edward Jones and Dataminr Inc. Kemery has been with J.P. Morgan since 2022. 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 a select group of Wealth Advisors. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Robert Mackey is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads the Mackey Brennan Wealth Management Group, a team of seven professionals. Since joining Merrill Lynch in 1991, Robert has been recognized by Forbes from 2018 through 2025 as one of the Best-in-State Wealth Advisors, and his team has been similarly honored from 2023 to 2026. He also earned a place on Barron's Top 1,200 Financial Advisors list in 2015. Robert trains and mentors other financial advisors nationwide, emphasizing a goals-based wealth management approach. Robert's expertise includes family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. He works closely with affluent families and business owners to align their investments with estate and retirement plans, often coordinating meetings with clients' attorneys and CPAs. His firm focuses on understanding clients' fears, hopes, and envisioned lifestyles to create holistic investment solutions. Robert also educates the next generation on financial management. He holds a Bachelor's degree in Economics and Finance from Spring Hill College and has earned professional credentials including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Robert serves on the boards of John Paul II High School in Plano, Mother Teresa Catholic School in Frisco, and The Catholic Foundation in Dallas. He lives in Parker, Texas with his wife Cathy and their three children. His personal interests include hiking, running, spending time with family, and traveling.

Michael O'neil is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over six years of experience in wealth management and brings a disciplined approach to financial advising, drawing from his previous career as a United States Marine Corps Officer, where he served for 22 years. His military background involved strategic planning and execution, skills he applies daily to guide clients in achieving their financial goals. Michael holds a Bachelor's Degree from The Citadel and has earned the Personal Investment Advisor (PIA) designation. His personal philosophy emphasizes developing personalized financial strategies tailored to each client's long-term objectives. His commitment to service extends beyond his professional role, influenced by his military service and family life. He values the opportunity to work closely with clients to understand what is most important to them, providing strategies that remain flexible to life changes and market conditions. Michael's approach focuses on disciplined pursuit of financial goals and steadfastness in the face of challenges, reflecting his lifelong dedication to service and commitment.

Megan Addison is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Her work history includes roles at Fidelity Investments, Total Wine & More, Republic Bank & Trust, and Legacy Business Development. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios using mutual funds, ETFs, and ETPs.

Mark Massey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been part of the financial services industry since 1997 and joined Merrill in 2006. He leads a goals-based wealth management process that helps clients pursue financial lifestyles aligned with their priorities. Mark assists clients with retirement planning, estate planning services, wealth transfer, investment risk assessment, and asset allocation policies. He coordinates with clients' tax, accounting, and legal advisors to simplify their financial lives. Mark holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Portfolio Manager (CPM). He earned a Bachelor of Arts in political science jointly from Harding University and the University of Arkansas, and a Master of Business Administration from the Sam M. Walton College of Business at the University of Arkansas. Outside of his professional work, Mark enjoys golfing, reading, and spending time with his family.

Carlos Parra is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services. Carlos applies a client-first approach, building trusted relationships and providing personalized guidance to help clients pursue their long-term financial goals with clarity. Before joining Merrill Lynch, Carlos was a Financial Advisor at Edward Jones, assisting individuals, families, and small business owners in working toward their financial objectives. His background also includes field operations and regional leadership roles in the retail industry, where he developed organizational, leadership, and client service skills that inform his current practice. Carlos holds a High School Diploma/GED from the University of Texas System and possesses the Personal Investment Advisor (PIA) designation. Fluent in English and Spanish, he has called North Texas home for over 25 years and resides in Flower Mound. Outside of his professional work, Carlos enjoys motorcycle riding, playing drums, golfing, and spending time with his family. He is actively involved in his community, volunteering with the Knights of Columbus #12553 in Argyle, Texas, and participating in his local church.

Kevin White is a financial advisor at Merrill with Series 63 and Series 66 credentials and 34 years of industry experience. He has been with Merrill since 2009 and has worked at Bank of America, N.A. since 2001. 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 individuals, high-net-worth clients, and institutions.

Herbert Poledna III is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2016, including roles at Ameriprise Financial Advisors Inc. and MML Investor Services, LLC. Outside of his advisory work, he serves as Practice Manager of Encircle Wealth Advisors, where he focuses on investment portfolio research, construction, and documentation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement income planning through written recommendations and ongoing advice, using proprietary research and tools to support tax-aware withdrawal strategies and asset allocation decisions.

Tammie Walker is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Walker is involved in community activities as Vice President of Development on the Board of Directors for the Celina Education Foundation. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Daniel Kim is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior work includes roles at Bank of America, Merrill, NYLife Securities, and New York Life Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Dale Schniederjan is a financial advisor with LPL Financial based in Sanger, TX, holding a Series 66 designation and approximately one year of industry experience. His prior roles include positions at DATCU Wealth Management, First State Bank, Mass Mutual / Canopy Capital Strategies, Ben E. Keith, and Fisher 59. Schniederjan is involved in investment-related activities with American National Insurance Company, Jackson National Insurance Company, and ASH Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by resources such as LPL Research and third-party subadvisors.

Sonja Rogers is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds the ChFC® and Series 63 designations. Prior to her current role, she worked at Wells Fargo Advisors LLC from 2009 to 2016. Rogers serves as a board member of the University of North Texas Foundation, where she contributes to discussions on endowment fund spending, governance, and strategic updates. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven approach incorporates a range of investment options, including insurance-related vehicles, and offers both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.