Jonathan Lopez is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Charles Schwab in 2020, he worked at E*TRADE Capital Management and E*TRADE Securities from 2015 to 2020. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Nita Rathod is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering its program on a non-discretionary basis.

Kathleen Finley is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and 14 years of industry experience. She previously worked at Edward Jones for nine years before joining Raymond James in 2023. She also operates Kathleen C Finley, LLC, which supports her work as an independent financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm emphasizes tailored, non-discretionary advice using analytical tools and supports a wide range of client types, including pension plans and charitable organizations.

Erum Mirza is a financial advisor with Merrill in Plano, TX, holding a Series 66 designation and nine years of industry experience. She has been with Merrill and Bank of America, N.A. since 1999. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joy Simar is a financial advisor with LPL Enterprise in Plano, TX, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. Her career includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and New York Life, among others. She also has ongoing involvement in non-variable insurance activities related to group benefits and life insurance. LPL Enterprise serves a diverse client base, including individuals, retirement plans, nonprofits, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm combines advisory programs with brokerage and insurance products through an integrated platform.

Torsten Holmes is a financial advisor at Edward Jones with 26 years of industry experience. He has held his current position since 1999 and holds Series 63 and Series 66 designations. Outside of his advisory role, he is a manager of a commercial real estate business, Twin Creeks Real Estate Group. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Brumfield is a financial advisor with Primerica Advisors in Plano, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Primerica Advisors since 1999 and was previously employed by SiriusXM for 11 years. Outside of advisory work, he is involved in business activities related to mortgage product sales and home security referrals through Primerica-affiliated companies and also works part-time with Citicorp Trust Bank on home equity lending matters. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable accounts. The firm uses model-delivery strategies managed by unaffiliated asset managers and partners with BNY Mellon Advisors and Pershing for trade execution and custody.

Tobias Hananda is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2013. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glendell Baker is a Series 63-credentialed financial advisor at OSAIC with 43 years of industry experience. He has worked at Royal Alliance Associates, Signator Investors, and has been self-employed since 1973. Baker serves on the advisory council of a nonprofit focused on combating human trafficking and is a board member of Chaplaincy Ministries, Inc. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through an extensive network of advisors. The firm offers integrated brokerage and advisory services with a wide range of investment solutions and utilizes proprietary tools and third-party platforms to construct and manage portfolios.

Mario Quintana is a financial advisor at Edward Jones with eight years of industry experience. He has worked at Edward Jones since 2017 and previously at Gateway One Lending and Finance for five years. Quintana holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving more than 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 strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Scott Gottlich is a financial advisor at LPL Enterprise with two years of industry experience. He holds the Series 66 designation and has worked at Texakoma Financial, Inc. and Cetera prior to joining LPL Enterprise. Outside of finance, he has been involved in the restaurant industry through WG Restaurant Group LLC (OpenBox Innovations) since 2008. He also has a teaching role at St. Mark's School of Texas. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, as well as access to model portfolios and third-party asset management programs through an integrated platform combining adviser programs with insurance and lending services.

Richard Peoples II is a financial advisor with Edward Jones in Plano, TX, holding a Series 66 designation and six years of industry experience. He worked at Federal Employee Services from 2012 to 2019 before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Sebastian Leyton is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. Prior to joining Cetera, he was employed at The Vanguard Group for three years. He also provides administrative services as a registered assistant with Michael David Morrison, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with various program structures and custodial relationships, managing over $256 billion in assets.

Douglas Cochran is a CFP® professional with over 31 years of industry experience, currently affiliated with LPL Financial in Dallas, TX. He has been with LPL Financial, formerly LINSCO Private Ledger, since 2006. Outside of his advisory role, Cochran is involved with DHC Planning, LLC, a business entity established for tax and investment purposes. LPL Financial serves a broad client base, including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Emily Lambert is a financial advisor with Primerica Advisors in McKinney, TX, holding Series 63 and Series 65 licenses and having six years of industry experience. Her prior work includes roles at Redfin Home Services and Redfin Corporation. In addition to advisory services, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm selects and oversees third-party asset managers and offers various investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Shanna Miller is a Series 66 licensed financial advisor at Ameriprise with nine years at the firm and five years of industry experience. She previously worked at Northwestern Mutual from 2015 to 2017. Outside of her advisory role, she serves as the Client Concierge for Encircle Wealth Advisors, handling administrative tasks for the practice. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning with a structured recommendation process and ongoing advice.

Keith Rowland is a financial advisor with OSAIC who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has worked at WMA Securities, Inc. since 1994 and has been self-employed during that time. Outside of advisory work, he has been involved in life insurance sales and servicing and was nominated to serve as a director for a local homeowners association. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Jaime Heimsath is a financial advisor with Ameriprise based in Plano, TX, holding a Series 66 designation and 18 years of industry experience. He has worked with Ameriprise and Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets, providing detailed written Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities, emphasizing managed accounts and utilizing algorithmic tools to support retirement income recommendations.

Natasha Verbsky is a Series 66 credentialed financial advisor at Cetera with 27 years of industry experience. She has worked with Cetera and its affiliates since 2017 and has previously been associated with Girard Securities, Inc. Since 2022, she has owned Anthology Designs LLC, a product sales business. Additionally, Verbsky serves as treasurer for both the Independence High School Choir and Theatre Booster Clubs and is a member of the investment committee for the Collin College Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform combining discretionary and non-discretionary portfolio management with access to third-party money managers and model portfolios.

Robert Vigus is a financial advisor with Ameriprise in McKinney, TX, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise since 2020 and also teaches college history as an adjunct professor at Collin College. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.