Craig Buchholz is a Series 66-credentialed financial professional at Cetera with seven years of industry experience. His work history includes roles at Bank of America, Merrill, J.P. Morgan Securities, and Northwestern Mutual. Outside of his primary advisory role, Buchholz holds leadership positions in several related businesses, including serving as Vice President and Consultant at Burrows Business Services LLC, where he focuses on business plan development and financial statement preparation, and as Director of Business Development for Burrows Financial Holding, LLC and BFH Insurance LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management options, financial planning, and ERISA retirement services through a multi-manager platform with access to affiliated and unaffiliated money managers across various program structures.

Ritchie Nuncio is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2019 and previously spent six years at Merrill. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Bott is a financial advisor with Cetera, holding the PFS™ and Series 63 designations and bringing 38 years of industry experience. His prior work includes long tenure at Avantax Advisory Services and its related entities, along with experience at Coopers & Lybrand. Outside of his advisory role, he serves as Vice President at Kenwood & Associates, PC CPA's, focusing on tax preparation and accounting. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and retirement services, overseeing more than $256 billion in assets through over 10,000 advisors.

Mary Boul is a financial advisor with LPL Financial in Dickinson, Texas, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. She has been with LPL Financial since 2005. Outside of her advisory role, she has involvement in real estate rental activities. 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 a range of advisory services and platforms, including financial planning, model portfolios, third-party asset management, and institutional programs.

Kristie Ramirez is a CFP® and Series 66 credentialed financial advisor with nine years of industry experience, currently practicing at Edward Jones in Friendswood, TX. She has worked at Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Lisa Washington is a financial advisor at LPL Financial with 36 years of industry experience. Her background includes long tenures at Waddell & Reed, Inc. and various insurance carriers, as well as work at Texas Home Health prior to joining LPL Financial. She holds a Series 63 designation. Outside of her advisory role, she serves as a non-variable insurance agent through Associates of Clifton Park. 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 broad range of advisory and brokerage services supported by various investment strategies and operational tools, with a notable combination of advisory and non-advisory financial activities.

Jeffrey Gulitus is a CFP® and ChFC® with eight years of industry experience. He has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked at Infinity MEP and WSP, where he was involved in mechanical, electrical, and plumbing design projects. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and maintaining a large network of financial advisors and branch offices nationwide.

John Turner is a Certified Financial Planner (CFP®) with over 22 years of industry experience. He is currently an advisor at Cetera and has held roles at Turner Wealth Management and Avantax Advisory Services. He serves as chairman on the board of Sweet Success ATX, a nonprofit organization. Cetera Investment Advisers LLC supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients with a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

David Butler is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012. His prior roles include positions at Wamu Investments, Ameriprise Advisor Services, and Choreo, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and integrating both quantitative and qualitative research.

Justin Ponchak is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, he owns and operates Ponchak Management, LLC, a construction business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Jaime Garza is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has prior experience at Pruco Securities LLC and Modern Brokers of America. Garza is also employed at Shell Federal Credit Union as part of the Ameriprise Financial Team. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm delivers structured recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team.

Alyssa Gonzales is a Planning Consultant who collaborates with Financial Consultants and clients to develop personalized financial plans tailored to individual goals and circumstances. She focuses on building strong relationships with clients and their families, emphasizing reliability, transparency, and competency in her work. Her professional experience includes roles at Fidelity Investments, where she served as a Financial Representative from 2023 to 2025 and as a Relationship Manager from 2025 to 2026.

Kirk Lippert is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Clear Lake, Texas, where he has served clients for 18 years. He brings a comprehensive approach to wealth management, focusing on personalized strategies that align with clients’ long-term financial goals. His areas of expertise include education planning, retirement income, philanthropic planning, investment consulting for defined contribution plans, tax minimization, and portfolio management services. Kirk emphasizes collaboration with clients to develop flexible strategies responsive to evolving market conditions, leveraging the resources of Merrill and Bank of America. Kirk’s professional background spans over two decades as a Certified Public Accountant, a credential he earned in 1983 following his graduation from the University of Kansas with a Bachelor of Science degree in Accounting and Business Administration. His accounting career and global experiences—in Saudi Arabia, Lebanon, and The Netherlands—inform his advisory approach. He holds several financial designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in professional and community initiatives, Kirk is a member of the Texas Society of Certified Public Accountants and has contributed leadership through roles such as Chairman of the Houston Chapter of CPAs Bay Area Satellite Group and participation on the City of Friendswood Texas Community & Economic Development Committee. Outside his professional life, Kirk enjoys baseball, golfing, and spending time with his family.

Cynthia Molina is a financial advisor at Ameriprise in Houston, TX, holding a Series 66 designation with five years of industry experience. She previously worked at Merrill for four years and spent four years at Moore IT Services prior to entering the financial sector. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through comprehensive reports and ongoing advice.

Zachary Greer is a financial advisor with Primerica Advisors in Houston, TX. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2026. Prior to this, he worked at Primerica Financial Services and has experience in education, having taught at multiple schools since 2013. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale and offers model-based investment strategies supported by third-party asset managers and custodial services.

John Rigdon is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as a First Vice President with the VMR Group. With over 18 years of experience, he focuses on holistic wealth management planning that encompasses retirement planning, estate planning, insurance strategies, traditional and alternative investing, and tax minimization. His client services include executive compensation, managing new wealth, personal retirement planning, portfolio management, and retirement income planning. John holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from the University of Houston System. John applies a comprehensive approach to financial planning, aiming to provide personalized strategies aligned with each client's long-term goals and evolving market conditions. In addition to his professional work, John is involved in his community through volunteer activities with the SPCA. His personal interests include adventure sports, biking, hiking, horseback riding, and music.

Edmund Hollub IV is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 63 and Series 65 credentials. Outside of financial advising, he has been involved with Modern Plumbing for over 15 years and participates in sales of home security, automation products, and loan products through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors alongside corporate and charitable clients. The firm employs model-based strategies and operates at scale with thousands of advisors and billions in assets under management.

Kyle Mather is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works closely with clients to simplify financial complexities and develop personalized strategies aimed at achieving lasting financial success. His approach focuses on empowering clients to make confident, informed decisions aligned with their financial goals. Prior to his current position, Kyle held multiple roles at Fidelity Investments, including Investment Consultant, Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate, gaining a breadth of experience in investment and client relationship management. In 2022, he also worked as an Insurance Agent at LionHeart Advisers. In his personal time, Kyle engages in activities such as family-related events, fitness, military service, caring for pets, reading, and traveling.

Johan Varghese is a financial advisor at Thrivent Investment Management with Series 66 credentials. He has recently started his career in the industry, joining Thrivent Investment Management in 2025. Prior to this, his background includes various roles in education and community organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without portfolio management for institutional clients. The firm offers standalone or ongoing planning relationships and integrates planning with managed-account services through a consolidated billing option.

Tabitha Estes is a financial advisor with Ameriprise in Sugar Land, TX, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial 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-efficiency analysis to provide non-discretionary recommendations, primarily for clients with Ameriprise-managed accounts.