Richard Poligala is a CFP®-credentialed financial advisor with 21 years of industry experience, currently practicing at LPL Financial in San Antonio, TX. Prior to joining LPL Financial in 2018, he worked for USAA in various financial advisory and planning roles from 2015 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Erick Monteagudo is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, and Firstmark Credit Union, among others. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized supervisory and custody arrangements.

Abelardo Miranda is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 2009. He also has a longstanding affiliation with Bank of America, N.A. dating back to 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad range of clients including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates investment management with a wide range of banking services and access to diversified investment products.

Joseph Taylor is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank, N.A. since 2017 and Wells Fargo Clearing since 2021. Prior to his career in finance, he was employed at Purifoy Chevrolet from 2014 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Emilio Lira is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and Waddell & Reed. Outside of advisory roles, he has been involved in insurance sales and has owned a guest house rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Chase Havemann is a financial advisor at Morgan Stanley in San Antonio, Texas, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2024, he worked as an insurance broker at Family First Life and has held various roles including at the University of Texas at San Antonio and Scuzzis Italian Restaurant. Outside of his advisory work, he is involved in officiating weddings. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

Peter Tijerina is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has been with Primerica Advisors since 2016 and has worked with Primerica Financial Services since 2013. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm focuses on tiered wrap-fee solutions and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Isaac Martinez is a financial advisor at Equitable Advisors in San Antonio, TX, holding a Series 66 designation with three years of industry experience. Prior to joining Equitable Advisors, he held roles at DoorDash and in education with Weslaco Independent School District and Our Lady of the Lake University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model, utilizing both advisory and brokerage channels to deliver tailored financial solutions.

Edward Mc Clure Jr. is a financial advisor with Edward Jones in San Antonio, TX, holding Series 63 and Series 66 credentials and over 30 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1994. Outside of his advisory role, Mc Clure serves as a board member of McCoy Water Supply Corp. and is president of Atascosa AG Inc., a ranching and grape vineyard operation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors. The firm provides discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Carl Thorson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Raymond James, Merrill, Citigroup, and USAA. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a dedicated team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Noah Minica is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he was involved with Doubletake Archery LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Bradley Lemmon is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Ameriprise in 2021, he worked at Edward Jones for seven years. He is based in Helotes, Texas. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Guy Floyd III is a financial advisor at Osaic with two years of industry experience. He holds a Series 66 credential and previously worked at Platinum Wealth Solutions and AXA Advisors. Floyd is involved with Platinum Wealth Solutions of Texas, LLC, where he engages in sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with access to multiple platforms and third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

John Glade is a financial advisor at Merrill with 37 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Ameriprise, Comerica Bank, Wells Fargo Bank, and National Alliance Securities. Glade serves on the boards of First Tee Greater Austin and the Warrior National Foundation. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Erica Licon is a Planning Consultant at Fidelity Investments. In this role, she works with clients to assist them in pursuing their financial goals, leveraging the resources available at Fidelity. Erica emphasizes building long-term relationships by recognizing the unique circumstances and needs of each client. Her professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as Financial Advisor and Office Assistant positions at Thrivent Financial. These roles have contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Erica enjoys family activities, golf, movies, soccer, and traveling.

Stacie Conine is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides detailed retirement-income planning and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Seth Jutz is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds Series 63 and Series 66 credentials and has been in the financial industry since 2023, with prior experience at firms including Northwestern Mutual and Capitol Wealth Strategies. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Daniel Rebmann is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 registrations and over 34 years of industry experience. His prior roles include positions at UBS Financial Services and Momentum Independent Network. He serves as a board member for Social Venture Partners, a nonprofit philanthropic organization, and Biblical Leadership for Excellence, a faith-based group. He also hosts the podcast "Philanthropy SA," which features bi-monthly interviews. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth investors and municipal entities. The firm offers tailored, non-discretionary advice and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Melinda Adams is a Series 66-licensed financial advisor with MassMutual Investors Services in San Antonio, TX, and has five years of industry experience. She has worked at MassMutual Investors Services since 2020 and at MassMutual Life Insurance Company since 2019. Outside of her advisory role, she owns Exit With Purpose, a financial coaching business that focuses on budgeting, saving, debt management, and helping clients prepare to exit their businesses. MassMutual Investors Services, a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools and offers a range of educational programs and event-driven planning services.

Cristy Rivera Romero is an Investment Consultant at Fidelity Investments, where she has been employed since 2025. Prior to this role, she served as a Financial Representative at Fidelity Investments from 2024 to 2025. She began her financial services career as a Relationship Banker at Bank of America from 2023 to 2024. Cristy focuses on partnering with clients to develop tailored financial strategies and plans that provide clarity, direction, and purpose for their financial futures.