Kenton Copeland is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 63 credential and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Copeland manages office operations for his Ameriprise financial advisor franchise and serves as a managing member or co-owner in family investment entities focused on managing family-held investments. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing annual advice focused on dependable income and tax-aware withdrawal strategies.

Joseph Ward is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets Inc. since 2008. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Todd Braulick is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2011. Outside of his advisory role, he is a co-owner of Mountain Panther LLC, a rental property management business. 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 for individuals, high-net-worth clients, and institutions.

Heather Wineinger is a financial advisor with Morgan Stanley in San Antonio, Texas, holding a Series 66 license and 15 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she owns Denali Custom Homes, LLC, a home building and remodeling business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools to support client financial plans.

Joseph Charlton is a financial advisor with Osaic in San Antonio, TX, holding Series 65 and Series 63 licenses and 35 years of industry experience. His prior roles include positions at Lincoln Financial Securities, NEXT Financial Group, JPMorgan Chase Bank, USAA Investment Management Company, and Fidelity Investments. Charlton is also the OSJ Supervisory Principal for RDK Advisors LLC, where he manages operations, compliance, and advisor support. Osaic Wealth, Inc. serves both retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, and managed account solutions. The firm employs a range of asset-allocation tools and third-party platforms to support diversified investment strategies with discretionary or non-discretionary management.

David Gay is a financial advisor at OSAIC with seven years of industry experience. He holds a Series 66 designation and has worked previously at Securities America Advisors and Minnesota Life Insurance Company. Outside of his advisory role, he serves as an AKC Hunt Test Secretary for the Alamo Retriever Club, is a board member at the San Antonio Gun Club, and participates in community activities through the Alamo Kiwanis and the Midtown Business Association. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and multiple advisory platforms to construct portfolios across various asset classes.

Jonathan Poblete is a financial advisor with Wells Fargo Clearing in San Antonio, TX. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. Poblete has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Spencer Adickes is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, N.A. prior to his current role. He previously worked at Trinity University for four years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 structured planning tools, leveraging research from its Global Investment Committee to support client strategies.

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 MassMutual Investors Services in San Antonio, TX. He holds Series 63 and Series 66 licenses and has five years of industry experience. His work history includes roles at Capital Strategies, AXA Advisors, and MassMutual Life Insurance Co. MassMutual Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars. The firm’s planning approach involves annual, collaborative relationships using firm-approved software to deliver written recommendations, with implementation requiring separate arrangements.

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 28 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she worked at Citigroup Global Markets starting in 1998. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, utilizing structured planning tools and market models, and manages approximately $2.74 trillion in client assets.

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 with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked at Usaa and held various positions in education and tutoring. Equitable Advisors serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.