Spencer Williams is a financial advisor at Merrill Lynch Wealth Management. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Spencer's approach focuses on helping clients identify what matters most to them and their families in order to develop strategies aimed at pursuing their financial goals. He holds a Bachelor's Degree from Harvard University.

Thomas Immenschuh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with business owners, professionals, and their families, employing a comprehensive client-centered approach to wealth management. His team delivers personalized strategies focused on growth, accumulation, preservation, and transfer of wealth. He aims to collaborate with clients to develop customized financial plans aligned with their priorities and goals. Tom's expertise includes retirement planning, wealth management and preservation, concentrated stock and options, company-sponsored plans design and refinement, corporate cash and treasury management, liability management, and trust, estate, and insurance planning services. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tom is a graduate of the University of Texas at San Antonio with a BBA in Finance and a minor in Accounting. He served in the United States Air Force from 1982 to 1986, continued in the Air Force Reserve until 1995, and was activated for Desert Shield and Desert Storm. In the San Antonio community, Tom has served on the Board of Any Baby Can, The ARC of San Antonio, and the Texas Planning Council Partners in Policy Making. He volunteers for the Central Catholic School Golf Team and has been involved with organizations such as Catholic Charities of San Antonio and Oak Hills Country Club. He resides in Castle Hills with his wife Charlotte Gallagher Immenschuh and their three sons, Evan, Ian, and Owen.

Jesus Ramos is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to that, he was employed with USAA in various financial advisory and investment management roles from 2009 to 2020. Charles Schwab 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 non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and due diligence on alternative investments.

Desiree De Hoyos is a financial advisor at Fisher Investments with five years of industry experience. She holds a Series 66 designation and previously worked at Charles Schwab Bank, Charles Schwab, Edward Jones, Lowe's Companies, and Victoria's Secret. Fisher Investments serves a global range of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios, with services that include sub-advisory, retirement plan management, and risk management strategies.

Taylor Finley is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 65 and Series 63 licenses and has been with Cambridge Investment Research, Inc. since 2016. Finley serves as Secretary and board member of the Tivy Athletic Booster Club and is involved with the Hill Country College Fund, where he contacts donors on behalf of the university. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platforms tailored to client objectives.

Heidi Malone is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and offering 25 years of industry experience. Her career includes roles at USAA Financial Planning Services and Ameriprise prior to joining LPL Financial in 2018. She is also the owner of William Tyler Enterprises, LLC, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, incorporating model portfolios, third-party asset management, and institutional platforms while supporting advisors with technology tools and extensive resources.

John Frahm is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Edward Jones in San Antonio, TX, where he has worked since 2022. His prior experience includes roles at CoStar Group, American National Life Insurance Company, and Saybrus Equity Services, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

James Bradford is a financial advisor at Raymond James & Associates with one year of industry experience. He holds a Series 66 designation and previously worked in the education sector within several school districts and at Texas A&M University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Douglas Bock is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for six years before joining Ameriprise in 2022. Outside of his advisory role, he is involved in independent insurance brokering and serves as a financial advisor for Randolph Brooks Federal Credit Union. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to create tailored recommendations.

David La Grange is a financial advisor at Merrill in San Antonio, TX, holding a Series 66 designation. He has experience working at Enfra and Precision Food Innovations prior to joining Merrill and Bank of America in 2026. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Loeb is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 63 designation and over 53 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of advisory work, he is co-manager of Heirs of S. Abraham LLC, an entity involved in royalty and lease agreements. Morgan Stanley Wealth Management serves both individual and institutional clients by providing advisory programs and tailored financial planning, utilizing firm-approved tools and strategies developed by its Global Investment Committee.

Richard Poligala is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with LPL Financial since 2018. His prior roles include positions at USAA Financial Planning Services and National Planning Corporation. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

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 with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Merrill since 2009 and has concurrently worked at Bank of America, N.A. since 2006. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 with LPL Financial in San Antonio, TX, holding Series 63 and Series 66 credentials and 20 years of industry experience. He previously worked at Edward Jones for 14 years and Waddell & Reed for two years. Outside of advising, Lira has been involved in insurance sales and ownership of a guest house rental property. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management solutions through a large network of advisors, employing both proprietary and third-party strategies across multiple asset classes.

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.

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.