Adriana Sferle is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning services supported by structured processes and advanced modeling tools.

David Chapman is a CFP® professional with 22 years of industry experience, currently affiliated with Charles Schwab in San Antonio, TX. His prior experience includes over a decade at USAA Financial Advisors and USAA Financial Planning Services, followed by roles at USAA Investment Management Company. Since 2020, he has been with Charles Schwab Bank SSB and Charles Schwab & Co. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts. The firm’s integrated structure and scale support a wide client base with centralized supervisory and custody services.

Jacob Askari is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Edward Jones, Charles Schwab, Bank of America/Merrill Lynch, and multiple positions within J.P. Morgan entities. Outside of his advisory work, he assists with daily activities for his father through a personal caregiving arrangement. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with manager due diligence and an ESG eligibility framework. The firm’s advisory services are delivered on a non-discretionary basis with a focus on approved funds and strategies.

Antonio Salgado is a Senior Financial Advisor at Merrill Lynch Wealth Management. He is a bilingual professional fluent in English and Spanish, focusing on providing financial strategies for individuals, families, and businesses by understanding their financial objectives. Antonio's approach involves a disciplined process that begins with understanding each client's specific needs and priorities. He has experience in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, and socially responsible investing. Antonio holds the Personal Investment Advisor (PIA) designation, along with Series 7 and 66 FINRA registrations, and holds a bachelor's degree in Finance and Business Management from the McCoy College of Business at Texas State University. Antonio is an Army veteran originally from Orange County, California, now residing in New Braunfels, Texas with his wife Sasha and their two children. He is active in his community through organizations such as the Knights of Columbus and the San Antonio Food Bank.

Misty Jones is a Series 66-registered financial advisor with Equitable Advisors, based in San Antonio, TX, and has one year of industry experience. Her prior work includes self-employment in childcare and roles at Texas A&M University and Palo Alto College. Equitable Advisors serves individual clients, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party managers. The firm offers a range of advisory models and ERISA fiduciary services, utilizing mutual funds, ETFs, separately managed accounts, and select alternative investments.

Robert Martin is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Merrill and Bank of America since 2018 and was previously with Citigroup Global Markets from 2012 to 2018. Outside of his financial career, he participates periodically with the Page Parkes Center of Modeling & Acting, assisting with auditions for commercials and print ads. Merrill, along 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Glenn Welch is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Timothy Escobar is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Escobar also serves in the U.S. Army Reserve and is a board member of a flying club. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market estimates to assist its clients.

Valerie Boggs is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Cortez is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and small business strategies. With over eight years of experience, Joseph is dedicated to providing clients with first-class financial services and working closely with families to help them achieve their important life goals. Joseph holds a Bachelor's Degree from the University of Texas System and a Master's Degree from Saint Mary's University of San Antonio. He has earned the Personal Investment Advisor (PIA) designation, reflecting his professional expertise in investment advisory services. Outside of his professional work, Joseph has interests in baseball, basketball, fishing, and football.

Sylvia Armendariz is a financial advisor with Merrill in San Antonio, Texas, holding Series 63 and Series 65 licenses. She has 16 years of industry experience and has been with Merrill since 2014. Outside of her advisory role, she is a general partner in a for-profit partnership selling purses and accessories. Merrill, along 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 strategies for various client types including individuals and institutions.

Cynthia Vail is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has been associated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of her advisory role, she previously owned a travel business from 2007 to 2011. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selective separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap-fee structure as part of its investment approach.

Javier Perez Jr. is a financial advisor with MassMutual Investors Services in San Antonio, TX, holding a Series 66 designation and four years of industry experience. Prior to joining MassMutual Investors Services, he worked with MassMutual Insurance Company and has been the founder of Seven Ages Media, a media consulting and production company, since 2018. His media work includes enhancing social media strategies and producing and editing content. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning processes.

Christopher Saunders is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1998. Outside of his advisory role, he serves as Vice President of the Chi Delta Tau Foundation, where he is involved in providing scholarships for Trinity University students and managing the endowment’s investment policy. 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 utilizing structured discovery processes and firm-approved tools.

Jimmy Hoyt is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he is an ordained minister with the Universal Life Church Ministries and has occasionally presided over wedding ceremonies without compensation. 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 supported by multi-asset model portfolios and extensive research, delivering services at a large scale with integrated operational capabilities.

Michael Perrine is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and USAA Financial Advisors. In addition to his advisory work, he provides freelance data analyst services as an independent contractor. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Fredy Tun Cifuentes is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. His career includes multiple tenures at Merrill and roles at JP Morgan Chase Bank, J.P. Morgan Securities, and Bank of America. Outside of his advisory work, he owns and manages landscaping and fence service businesses in Texas and New Mexico, as well as a commercial and residential landscaping project management company. Merrill, along 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 tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Kern is a financial advisor at Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Kern is involved in managing a family limited partnership that holds investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Traci Beckwith is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 designations. Based in San Antonio, TX, she provides advisory services within a large institutional firm environment. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and a research-driven investment approach. The firm manages approximately $2.74 trillion in client assets and delivers customized planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Kinnally Jr. is a financial advisor with OSAIC based in San Antonio, TX, holding Series 63 and Series 65 licenses with 25 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Kinnally serves as an investment committee member for the Congregation of the Sisters of Charity of the Incarnate Word and participates on the Capital Campaign Committee of Antonian College Preparatory High School. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes advanced asset allocation tools and multiple investment platforms to provide tailored portfolio management and access to a wide range of investment products.