Penny Haataja is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 designations and has 30 years of industry experience. Prior to joining Raymond James, she worked at UBS Financial Services for 16 years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Jared Gaddis is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Equitable Advisors since 2011, including its predecessor Axa Advisors. Outside of his advisory work, he owns MJG Real Estate, LLC, a business involved in commercial, residential, and agricultural real estate investments. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Carol Mani Johnston is a financial advisor with RBC Capital Markets based in San Antonio, TX. She holds Series 63 and Series 65 designations and has 42 years of industry experience. Her prior work includes a 12-year tenure at UBS Financial Services before joining RBC Capital Markets and City National Bank in recent years. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies to clients’ risk profiles, utilizing both in-house and third-party managers.

Danielle Rios is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. She has worked primarily at Fidelity Investments since 2022, with prior experience at Charles Schwab & Co., Inc. and Kohl's. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms. The firm is also registered with the CFTC as a commodity pool operator and serves as an advisor to multiple registered investment companies and fund-of-funds.

Lucas Vasquez is a financial advisor with Cetera, holding Series 63 and Series 66 designations and five years of industry experience. His prior roles include positions at Capital Strategies and MassMutual Life Insurance Co. He has worked within the Cetera network since 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering various portfolio management options, financial planning, and access to third-party money managers, overseeing more than $256 billion in assets across more than 10,000 advisors.

Nicole Hughes is a Series 66 licensed advisor with Merrill in San Antonio, TX, and has 5 years of industry experience. She has been with Merrill and Bank of America since 2008. Outside of her advisory role, Hughes serves as a board member for the Barton Springs Conservancy, a charitable organization, where she assists with fundraising and strategic planning. Merrill 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, pension plans, corporations, and charitable organizations.

Ali Fahr is a financial advisor with UBS Financial Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS since 1986. Outside of his advisory work, he participates as a member of a residential condo association. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management offerings, providing comprehensive solutions across multiple asset classes and market functions.

Luis Testas is a First Vice President and International Wealth Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1997, initially working at JPMorgan and its predecessors before joining Merrill Lynch in 2006. Luis offers financial services tailored to high net worth individuals, families, and business owners, focusing on areas such as portfolio management, retirement and education planning, securities-based lending, wealth transfer, legacy planning, and charitable giving. Luis holds a Bachelor's degree from Trinity University and professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute® (The Institute) and the College for Financial Planning. His approach centers around identifying client goals and delivering appropriate solutions to help achieve them, emphasizing attentive and tailored service. Outside of his professional work, Luis enjoys spending time with his family, playing tennis, listening to music, playing acoustic guitar, golfing, ice hockey, skiing, and traveling.

Jason Porter is a Series 66-credentialed advisor at Merrill with 17 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he holds a power of attorney fiduciary position related to client IRAs in San Antonio, Texas. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, along with comprehensive trading, account administration, and custody support.

Vijayakumari Kumarasamy is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets from 1998 to 2009. She has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Steven Muldowney is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Outside of his advisory role, he is employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-assisted advice through a centralized consulting team.

Walter Tramontin is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is involved in event planning through Corporate Sports, etc LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Adriana Espinoza is a financial advisor at Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses with four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked in various roles including tutoring and positions at IDEA Public Schools and USAA. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset management services through a network of Investment Adviser Representatives. The firm utilizes multiple advisory models, including third-party program sponsors and LPL-sponsored platforms, offering a range of investment options from mutual funds to alternative investments.

Jessica Abrego is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 credentials. Her career includes roles at SWBC Investment Company, Advisor Group, Merrill Edge, Charles Schwab, and USAA Investment Services Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a network of investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Brian Callahan is a financial advisor with RBC Capital Markets in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He has worked with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the boards of Landa Gardens, a local charity dedicated to garden development, and Planned Parenthood of San Antonio, where he provides financial recommendations related to endowment and general funds. RBC Wealth Management serves a broad client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies based on clients’ risk profiles, utilizing both in-house and third-party investment managers and a range of portfolio management and financial planning services.

Muttalib Ibrahim is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 credential and 16 years of industry experience. His prior roles include positions at USAA Investment Management Company and its affiliated financial advisory and planning services. Outside of finance, he is also a working actor involved in feature films, primetime television, soap operas, commercials, and independent films. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Kay Flores is a financial advisor at LPL Financial with six years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Northwestern Mutual Investment Services LLC and The Insurance Solutions Experts. Flores also serves as a notary in San Antonio, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolio programs, third-party asset management, and institutional platforms while utilizing a broad network of investment adviser representatives.

Craig Cross is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at CiTIGROUP and Frost Brokerage Services Inc. Craig Cross has worked at MML Investors Services, LLC and MassMutual Life Insurance Co since 2020. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various event-driven planning programs.

Jeffrey Lovas is a financial advisor with Cetera in San Antonio, TX. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Cetera and its affiliated entities since 2005 and operates Lovas Financial, where he provides tax services as a CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Kevin Gray is a CFP® professional with 14 years of experience in the financial advisory industry. He has been with Equitable Advisors since 2012, following prior work at Axa Advisors, LLC. Gray is based in San Antonio, TX. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs delivered through a network of Investment Adviser Representatives and utilizes both firm-offered and third-party advisory solutions.