Zachary Perret is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory. His prior roles include positions at Vanguard, Charles Schwab & Co., Mercer Global Advisors, E*TRADE, and J.P. Morgan, among others. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support clients through annual reviews and tailored investment recommendations.

Mark Morgan is a financial advisor with OSAIC Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior roles include positions at Triad Hybrid Solutions, Triad Advisors, and Wells Fargo Advisors. He is also the president of Morgan Capital Solutions, an investment advisory firm. OSAIC Advisory Services, LLC serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering investment management, financial planning, and retirement consulting services. The firm employs multiple program models and combines proprietary guidance with third-party platforms and managers to build and monitor client portfolios.

Nora Carrillo is a financial advisor with Truist Advisory Services in Fort Worth, TX, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has previously worked at Morgan Stanley and BB&T Securities, and has been with Truist since 2021. Outside of advising, she is an owner of rental property. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary strategies and uses third-party platforms and manager arrangements to support its AMC Advantage program and ongoing due diligence.

Felisha Pullen is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2025. Her prior experience includes roles at Charles Schwab from 2018 and 1st Global Capital Group from 2010 to 2018. Outside of her advisory career, she operates a business making girls' hair bows and owns a vending machine business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations and wealth management education through Schwab's research tools and standard asset allocation models.

Benjamin Dixon is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and beginning his advisory career in 2025. He has prior experience in mortgage sales and corporate roles and is currently involved in tax preparation and bookkeeping through Alderson & Alderson, PC and Dixon Advisory Group LLC. He also volunteers as a research assistant for marketing systems at Dixon & Associates. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement services through a national network of advisors and utilizes multiple advisory platforms and third-party asset managers.

Cameron Heald is a financial advisor with Schwab Wealth Advisory and holds the Series 66 designation. He has experience in both Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., beginning his industry career in 2026. Prior to joining Schwab, he worked with Indy Wealth Advisors, Football University, and CAPTrust, and has a background in education through Full Time Education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem, using Schwab’s asset allocation models and research tools while leaving final investment decisions to clients.

Alexandra Hauer is a CFP®-certified financial advisor with eight years of industry experience. She has been with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc. since 2021, following roles at Edward Jones and the University of Arizona. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Mark Ernst is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at First Command Advisory Services since 2024. He previously worked for TIAA-CREF and TIAA from 2015 to 2024. First Command Advisory Services is an SEC-registered investment adviser focusing on individuals, corporate and charitable clients, with a particular emphasis on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Bilal Ali is a financial advisor with Schwab Wealth Advisory in Westlake, TX, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at several firms, including Charles Schwab & Co., Robinhood Financial, JP Morgan Securities, and TD Ameritrade. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations across a range of assets. The firm operates within the Schwab ecosystem, using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Jonathon Lamb is a financial advisor at Farther with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Goldman Sachs Personal Financial Management, United Capital Financial Advisers, LLC, and TD Ameritrade. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs a Modern Portfolio Theory-based investment approach using bespoke allocations and proprietary algorithmic model portfolios, focusing primarily on ETFs, mutual funds, equities, and fixed income.

Richard Fox is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using Schwab’s research tools and asset allocation models while leaving final trading decisions to clients.

Teresa De Long is a Series 66 licensed financial advisor with First Command Advisory Services in Fort Worth, TX, where she has worked since 2023. She has three years of industry experience and prior work history in various sectors including insurance services and retail. Outside of her advisory role, she manages a rental property that was formerly her primary residence. 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 provides financial planning and wrap-fee asset management programs using model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Julieanne Brittain is a Series 66-licensed financial advisor with Schwab Wealth Advisory and has 11 years of industry experience. She has worked at several firms including Charles Schwab, TD Ameritrade, Fidelity Brokerage Investments, and Raymond James & Associates. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees for its services.

Alexander Tyler is a CFP® with six years of industry experience currently serving at First Command Advisory Services in Fort Worth, TX. His work history includes roles at multiple First Command entities since 2020 as well as earlier positions in education with Aledo ISD and Guthrie Public School. He is also the owner of ATT Financial Services LLC, a business he uses to manage First Command-related commissions, revenue, and expenses. First Command Advisory Services is an SEC-registered investment adviser that serves 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 a centralized Investment Management Team and Wealth Portfolio Managers who select and monitor model portfolios and third-party managers from approved lists.

Brandon Massey is a Series 66-licensed financial advisor with First Command Advisory Services in Fort Worth, TX, where he has worked since 2015. He has 21 years of industry experience and has held roles within multiple First Command entities, including Advisory Services, Brokerage Services, and Financial Planning. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs, using a centralized Investment Management Team to design and manage model portfolios and third-party manager selections.

Jacob Richter is a financial advisor with Kestra Advisory based in Fort Worth, TX, holding Series 63 and Series 66 credentials and with 19 years of industry experience. He previously worked at Edward Jones for 15 years before joining Kestra in 2021. Outside of his advisory role, he serves on multiple nonprofit boards, including the Fort Worth Stock Show & Rodeo and Junior Achievement of the Chisholm Trail. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base that includes institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and pooled plan solutions, with capabilities that extend to large institutional investors including sovereign wealth funds.

Teal Powell Mckinzie is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and two years of industry experience. Their work history includes multiple roles at Charles Schwab and Heb. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using standard Schwab asset allocation models and research tools. The firm operates within the Schwab ecosystem, focusing on client-directed trading decisions without discretionary management.

Gregory Czarnecky is a financial advisor with Cerity Partners LLC in Fort Worth, TX, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Fidelity Investments, Uber Eats, and HR Solid Foundation. Cerity Partners provides customized wealth management and related services to a diverse national client base, including individuals, families, trusts, business entities, and institutional investors. The firm offers tailored asset allocation, manager selection, and access to alternative and private-market investments through proprietary quantitative screens and third-party managers.

Deven Cudar is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at Charles Schwab & Co., Inc. and TD Ameritrade, Inc., with prior experience outside the financial sector. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management directly.

John Bennett is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with First Command and its affiliated entities since 1996. Bennett is also the owner of B G M LLC, which he operates alongside his advisory role. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporations, 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 a centralized Investment Management Team and Wealth Portfolio Managers to design and manage model portfolios through selected third-party managers.