Beatriz Gutierrez is a financial advisor with PNC Wealth Management in San Antonio, Texas. She holds a Series 66 designation and has four years of industry experience. Her prior roles include positions at BBVA Securities, BBVA Insurance Agency, Bbva Usa, and Branch Banking and Trust Bank. PNC Wealth Management offers retail brokerage and advisory services, including an invitation-only, model-based digital investment program for employees. The program uses algorithm-driven risk assessment and implements portfolio strategies through mutual funds and ETFs managed by PNC or third-party strategists.

Richard Longoria II is a CFP® and ChFC® professional with 12 years of experience at VOYA Financial Advisors, Inc., where he has worked since 2014. Prior to joining VOYA, he was associated with RJG Retirement Services, LLC. In addition to his advisory role, he operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors serves a broad range of clients, including individual investors, retirement plan sponsors, charitable organizations, and corporations, offering financial planning, portfolio management, and plan-sponsor consulting through various program structures.

Robert Quiroga is a financial advisor with Eagle Strategies (NY Life) in San Antonio, Texas, holding Series 63 and Series 66 registrations and possessing 10 years of industry experience. His career includes roles at Eagle Strategies LLC, Q Financial, LLC, Nylife Securities LLC, and New York Life Insurance Company. He also has 16 years of experience with the San Antonio Talons. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers a variety of advisory programs, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

David Bonney is a Certified Financial Planner (CFP®) with over 30 years of industry experience. He has been affiliated with First Command Advisory Services since 2015 and has worked with First Command Financial Services, Inc. and First Command Financial Planning, Inc. since 1996. He is based in San Antonio, TX. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Judith Phu is a financial advisor at Citigroup Global Markets with six years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Victory Capital Services, Inc., Victory Capital Management, Inc., Money Concepts Capital Corp, and New York Life Insurance Co. Phu is the founder of Ministerio de Misericordia, a financial literacy program supporting individuals leaving abusive situations. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with broker-dealer execution and custody services.

Joseph Schuetze is a financial advisor at Sanctuary Advisors, LLC with 24 years of industry experience. He holds a Series 66 designation and has previously worked at PAX Financial Group, LLC and Financial LLC (formerly LINSCO/Private Ledger). Sanctuary Advisors, LLC provides investment advisory and financial planning services to a broad range of clients, including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm supports over 400 independent investment adviser representatives and offers portfolio management, retirement plan consulting, and access to various investment strategies through discretionary or non-discretionary account management.

Xienh Ly is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citi since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and holds distinctive market roles including operating as a swap dealer and futures commission merchant.

Rodrigo Alvarez is a financial advisor with PNC Wealth Management in San Antonio, TX, holding Series 66 and Series 63 licenses with two years of industry experience. His prior work includes roles at PNC Investments and PNC Bank, alongside a long-term association with Walmart. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and discretionary model management with mutual funds and ETFs.

Charles Mercer IV is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds the Series 65 and Series 63 designations and has been with Citibank NA since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and supports large-scale institutional and high-net-worth clients with specialized solutions.

Cindy Crow is a financial advisor with First Command Advisory Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has been with First Command Advisory Services since 2015 and has worked within affiliated First Command entities since 2012. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs, managing portfolios through a centralized Investment Management Team and Wealth Portfolio Managers who select approved third-party managers.

Konrad Kuykendall is a financial advisor with Independent Financial Partners in San Antonio, TX, holding a Series 66 designation and 23 years of industry experience. He has worked with IFP Securities, LLC since 2019 and with Independent Financial Partners since 2016, including a prior role at LPL Financial. Outside of advising, Kuykendall serves as a board member of the LARK Family Foundation, a charitable giving organization. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform providing both discretionary and non-discretionary account management, with notable expertise in retirement-plan advisory and pension consulting services.

Robert Budraitis is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds the Series 66 designation and has worked in roles at USAA Financial Planning Services, Usaa Investment Management Company, Charles Schwab & Co, and Charles Schwab Bank. Outside of his advisory work, he is co-owner and partner of ASVB LLC, an online retail and print-on-demand business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm offers integrated services linked to Empower’s administrative platforms, including point-in-time financial plans and optional managed account solutions.

Kurt Steves is a financial advisor at Luther King Capital Management Corporation with 21 years of industry experience. His prior roles include positions at TCBI Securities, Texas Capital Bank, Suntrust Robinson Humphrey, and Fifth Third Securities. He holds Series 65 and Series 63 designations. Luther King Capital Management Corporation advises a range of institutional and individual clients, including trusts, foundations, pension plans, and government entities. The firm employs fundamental, bottom-up analysis across diverse equity and fixed income strategies and manages various mutual funds, separately managed accounts, and private investment partnerships.

Michael Chase Jr. is a CFP® professional at Mariner with six years of industry experience. He has been with Mariner Wealth Advisors since 2016. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax and family office services, utilizing customized portfolios overseen by an Investment Committee and supported by internal and third-party managers.

Eric Rodriguez is a financial advisor with PNC Wealth Management in San Antonio, TX, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. His career includes roles at BBVA Wealth Solutions, BBVA Securities, COMPASS Bank, and BBVA Compass Insurance Agency. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including a discretionary digital portfolio solution currently in an employee-only pilot phase. The firm uses algorithmic tools for risk assessment and relies on third-party managers for portfolio implementation and oversight.

Robert Armendariz III is a financial advisor with Eagle Strategies (NY Life) based in San Antonio, TX. He holds Series 63 and Series 65 licenses and has eight years of industry experience. He operates Presidio Wealth Strategies, through which he brokers non-registered insurance products in addition to his advisory work. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services, offering tailored recommendations across multiple program types within the New York Life affiliate structure.

Robert Deming is a financial advisor with Independent Financial Partners who holds Series 63 and Series 65 credentials and has 40 years of industry experience. He has worked with IFP Securities, LLC since 2019, Independent Financial Partners since 2012, and previously spent a decade at LPL Financial. Outside of his advisory role, Deming serves as president of the board for Friends of Enchanted Rock, a nonprofit supporting the Enchanted Rock State Natural Area, and is involved with several other nonprofit organizations including Kairos Prison Ministry International and Christian Job Corps of Gillespie County. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm offers a decentralized advisory model with options for centralized asset management and has notable retirement-plan advisory and pension consulting capabilities serving individual, charitable, corporate, and high-net-worth clients.

Vanessa Jourdan is a Series 66-credentialed financial advisor with 10 years of industry experience. She has worked at Mariner Wealth Advisors since 2021 and previously held positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Southern Wealth Management, and Popular Securities. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs customized portfolio strategies overseen by an Investment Committee and integrates tax and accounting services uncommon for an enterprise of its size.

Jeremy Thompson is a Series 66-licensed advisor at Citigroup Global Markets with three years of industry experience. He has been with Citibank since 2019 and has prior work experience at Revamped Home Security and TruGreen Lawn Care. Citigroup Global Markets serves individual and institutional clients through multiple wealth management platforms, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and supports complex, large-scale client relationships with bespoke discretionary solutions.

Marisa Decker is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Bank of America, Merrill, and Wells Fargo entities. Outside of her advisory role, she owns a sole proprietorship called Stardust and Vagabonds that sells hand-painted hats online and at craft shows. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.