Carolyn Brown Simpson is a Series 66-licensed advisor with Merrill in San Antonio, TX, with 16 years of industry experience. She has been with Merrill Lynch since 2007. 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.

John Bendele is a financial advisor with Charles Schwab in San Antonio, TX, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 32 years of industry experience, including extensive tenure at USAA from 1994 to 2020 before joining Charles Schwab in 2020. 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 operates a predominantly non-discretionary client relationship model while providing access to affiliated discretionary separately managed accounts and employs a multi-asset strategic investment approach with centralized custody and supervisory functions.

Rene Ruiz is a ChFC® credentialed financial advisor with 37 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and also maintains involvement with Nexus Financial Solutions. Outside of financial advising, he operates a photography business. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary and third-party model strategies.

James Morgan is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan in various roles since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence combining quantitative and qualitative research.

Elizabeth Martinez is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and having 16 years of industry experience. She has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2010. 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 developed by internal and third-party investment teams for a variety of clients including individuals, high-net-worth investors, and institutions.

Charlotte Pawel is a financial advisor with Fidelity Investments in San Antonio, TX, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Wells Fargo. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company, which provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios for intermediary platforms.

Rochelle Mitchell is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at Merrill since 2009 and at Bank of America, N.A. since 2023. Outside of her advisory role, she is a general partner and managing member of two non-investment entities focused on asset protection. 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, and institutions, employing strategic and tactical asset allocation approaches.

Carlin Green is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining Equitable Advisors in 2018, Green worked at Axa Advisors, Dynamic Systems Inc, Quartr Circle 7 Hotel, and Sul Ross State University. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary programs and third-party asset managers.

Karen Fagerberg is a financial advisor at Edward Jones with nine years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Colton Creamer is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Bank of America and Merrill before returning to Morgan Stanley. He serves on the board and on the investment and finance committees of the Texas Military Institute, a nonprofit organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research.

Steven Romero is a financial advisor with Fidelity Investments in San Antonio, TX, holding Series 63 and Series 66 licenses and five years of industry experience. His background includes roles at Fidelity Investments, Charles Schwab, and as an officer in the U.S. Army Reserve, where he continues to serve. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and multi-manager structures.

Tammy Tyree is a financial advisor at Morgan Stanley with 32 years of experience in the industry. She has worked at Morgan Stanley Smith Barney since 2009 and previously spent nine years at Citigroup Global Markets. She holds Series 63 and Series 65 designations and is based in San Antonio, TX. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Michael Chansley is a CFP® with 27 years of industry experience, currently serving at Charles Schwab in San Antonio, TX. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he volunteers as a scorekeeper and referee for indoor soccer matches at the Northwoods Ice Center. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated brokerage, custody, and cash-sweep services.

Juan Carlos Bustos Mares serves as a Private Wealth Advisor with Merrill Private Wealth Management, specializing in the Spanish-speaking markets within the USA and internationally. He brings over 15 years of experience to his role, providing tailored financial strategies designed to meet the unique needs of clients across borders. Juan Carlos is fluent in both English and Spanish, which supports his ability to serve a diverse client base effectively. He holds a master's degree in finance and economics from ITESM University, Mexico City, and a bachelor's degree from the same institution. His expertise spans a broad spectrum of financial services, including corporate executive services, executive compensation, family wealth management strategies, institutional consulting, international wealth management, and tax minimization strategies. He also holds the Personal Investment Advisor (PIA) designation. Outside of his professional activities, Juan Carlos enjoys playing tennis, traveling, and volleyball.

Harold Puhl Jr. is a financial advisor at Cetera with 43 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Cetera and its affiliated entity, Cetera Wealth Services, LLC, since 2013. He is also an affiliated person of Financial Network–Landmark Region, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform and various program options under discretionary and non-discretionary authorities.

Stefano Rosellini is a financial advisor with Raymond James & Associates in San Antonio, TX, holding a Series 66 designation and four years of industry experience. Before joining Raymond James in 2022, he worked for nine years with the North East Independent School District. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning and consulting services through various advisory programs and leveraging a wide range of investment strategies.

Blue Hybner is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley from 2018 to 2020 and has been with Cetera since 2020. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that allows advisors to use affiliated and third-party model portfolios or create custom strategies.

Dennis Mainard is a CFP® professional with 41 years of industry experience, currently serving at Osaic Wealth since 2024. He previously held roles at Woodbury Financial Services and QRS & Associates and has operated Mainard Financial since 1984. His background includes activities in life insurance and fixed annuities. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and private-equity ownership.

Richard Johnson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Merrill since 1999 and also has a longstanding association with Bank of America, N.A. since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering a range of managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient investment strategies, leveraging its integration with Bank of America’s broader financial platform.

Brian Neyland is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Cetera since 2018 and previously spent 10 years at LPL Financial. Outside of his advisory role, he is president of a commercial construction company and involved in business ventures related to group health insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors, with access to multiple program structures and third-party managers.