Jake Spruiell is a financial advisor with Cetera, holding a Series 63 license and over 27 years of industry experience. His prior roles include positions at PNC Managed Account Solutions and BBVA Wealth Solutions. He is the owner of Sonterra Wealth Management LLC, where he is actively involved in client services and trade execution. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with over $256 billion in assets under management.

Sebastian Bathie is a Financial Advisor at Merrill Lynch Wealth Management, based in San Antonio, Texas. He is a Team Financial Advisor focused on Business Development, bringing a strong analytical mindset and a collaborative approach to supporting strategic growth and informed financial decision-making. Sebastian is committed to assisting individuals and organizations in making confident financial decisions as part of the Hayne, Moon & Associates team at Merrill. Sebastian began his career after earning a bachelor's degree in Communication from Texas Christian University in 2019. He spent over six years serving the aerospace and defense sector, supporting mission-critical programs and building long-term strategic client relationships. While working full-time, he earned an MBA in Finance from Southern Methodist University, which strengthened his skills in finance, strategy, and leadership. His expertise encompasses investment goal articulation, portfolio management, risk analysis, and strategies in retirement planning, tax minimization, and business succession. Sebastian holds the Personal Investment Advisor (PIA) designation. He focuses on areas such as college education planning, portfolio management, small business strategies, retirement income, and tax minimization. Outside of his professional role, Sebastian enjoys basketball, fishing, football, golfing, hunting, running, spending time with his family, tennis, and watching movies.

Michael Thompson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 2019 after retiring from the Navy, where he served for over 20 years as a Naval Aviator and Military Operational Planner. In his current role, Michael works with families and businesses to develop financial strategies tailored to their goals, risk tolerance, liquidity needs, and investment timelines. He leverages technology to provide secure client support across the country and offers access to a range of banking and lending services through Bank of America. Michael holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Certified Plan Fiduciary Advisor® (CPFA®) designation, and is a qualified Senior Portfolio Advisor and Retirement Accredited Financial Advisor. His educational background includes a Bachelor's degree in Mechanical Engineering from the United States Naval Academy, a Master's degree in National Security and Strategic Studies from the United States Naval War College, and an Executive Program in Financial Planning from the University of Georgia's Terry College of Business. Beyond his professional commitments, Michael is actively involved in his community and various organizations such as American Heritage Girls, Habitat for Humanity, Trail Life USA, Vet 2 Vet, and the safety team at Statesboro First Baptist Church. He and his wife live on their family farm in South Georgia, where they homeschool their four children and engage in raising livestock, poultry, and growing timber and fruit trees.

Wesley Landrus Mc Gee is a financial advisor with Edward Jones in San Antonio, TX, holding CFP®, ChFC®, and Series 66 designations with nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Academy Sports & Outdoors and JP Morgan Chase Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 financial advisors.

Thomas Platt is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he serves as a board member for Posse Houston, where he participates in community engagement activities including volunteering and fundraising. 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 client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations.

Stephen Gary is a financial advisor at Morgan Stanley in San Antonio, TX, with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2021, including a role at Morgan Stanley Private Bank, N.A. Prior to his financial services career, he was employed at AT&T for seven years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Stephen Scott is a CFP®-credentialed financial advisor with 17 years of industry experience, currently with Morgan Stanley in San Antonio, TX. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Scott is involved in songwriting and plays guitar professionally with The Joe Panther Band. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

John Abeyta is a financial advisor at Morgan Stanley with 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and also works with Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as Vice President of Finance for JLA Collision, an auto collision repair center in Austin, Texas. Morgan Stanley Wealth Management is an SEC-registered investment adviser that serves both individual and institutional clients through a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Eloisa Vela is a financial advisor with Cetera in San Antonio, TX, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Her prior roles include positions at Kestra Advisory, Merrill, Waddell & Reed, Thrivent Investment Management, and Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors nationwide.

Jessica Bustos is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and possessing 20 years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at USAA Investment Management Company for 23 years. She also took a one-year break as a homemaker before joining her current firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Israel Rascon is a financial advisor at J.P. Morgan Securities with Series 66 credentials and six years of industry experience. His prior roles include positions at Edward Jones, Fisher Investments, Vanguard Group, and First Command Advisory Services. He has served in the U.S. Army Reserve since 2014. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework.

Alfonzo Chavana is a financial advisor at Ameriprise with 26 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1999. He is based in San Antonio, TX. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria. The firm provides written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies, using a combination of research, modeling, and tax-efficiency analysis to support client planning.

Aram Gomar is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co. since 2020. Prior to that, he spent time with USAA Investment Management Company and USAA Financial Advisors, Inc. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory 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 multi-asset model portfolios with periodic reviews and alternative investment options.

Stephanie Casas is a financial advisor with Cambridge Investment Research Advisors in San Antonio, TX, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at United Planners' Financial Services of America and Kilmer & Company PLLC. Casas also has entrepreneurial experience as an independent distributor with Young Living Essential Oils and Juice Plus. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a range of portfolio management and model-based solutions across multiple platform arrangements.

Erin Cook is a financial advisor at Merrill based in Houston, TX, holding a Series 66 designation with six years of industry experience. Her prior roles include positions at Bank of America, Movement Mortgage, loanDepot, and Avolio & Hanlon, P.C. 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. The firm’s integration with Bank of America allows access to a broad set of products and services beyond typical managed account offerings.

Monica Salazar is a financial advisor at Morgan Stanley with six years of industry experience. She holds the Series 66 designation and has previously worked at JP Morgan Chase and American Funds. Outside of her advisory role, she is engaged in a photography business as a sole proprietor. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, delivering tailored financial planning services supported by firm-approved tools and investment strategies.

Marc Thiltgen is a CFP® professional with 26 years of industry experience, currently affiliated with Charles Schwab in San Antonio, TX. His prior experience includes roles at USAA Investment Management Company and USAA Financial Advisors. He serves on the board of the San Antonio Academy Alumni Association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining non-discretionary advisory services with access to affiliated discretionary SMA portfolios and a centralized operational platform.

Bryan Drayton is a financial advisor with Ameriprise in Schertz, Texas, holding a Series 66 designation and one year of industry experience. He previously worked at Drayton Realty and Energy Transfer. He is also involved in a dual employment arrangement with RBFCU through the AFIG Channel. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Eric Nelson is a CFP® with 20 years of experience in financial advising, currently affiliated with Charles Schwab in San Antonio, TX. His prior experience includes roles at USAA Financial Advisors and USAA Investment Management Company. Outside of his financial career, Nelson owns a business that provides residential and commercial construction services, including maintenance and repair. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by a large integrated platform.

Steven Ogle is a financial advisor with RBC Capital Markets in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with RBC Capital Markets since 2008. Outside of his advisory role, he serves on the board of The Nature Conservancy of Texas - San Antonio Development Board. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple advisory programs tailored to client risk profiles and provides a range of portfolio management, financial planning, and brokerage services utilizing both in-house and third-party investment managers.