Nicholas Agostino is a CFP® professional affiliated with Cetera, based in San Antonio, TX, with 15 years of industry experience. His career includes roles at multiple Cetera entities since 2015 and prior work at T. Rowe Price Advisory Services. He serves as a FINRA arbitrator on an as-needed basis. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services and operates a multi-manager platform that provides access to both affiliated and third-party managers.

Ashleigh Henderson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work includes roles at Bank of America and Camp Gladiator. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Harold Leonard is a financial advisor at Thrivent Investment Management with 19 years of industry experience. He holds the Series 66 designation and has worked with Thrivent Financial For Lutherans and Thrivent Investment Management since 2007. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics, combining planning with managed-account programs under a consolidated billing option while keeping the services separate.

Samuel House is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for the Lutheran Foundation of Texas, a charitable organization. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and investment strategies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored agreements.

Genoveva Luna is a financial advisor with Morgan Stanley in San Antonio, Texas, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is involved with Elite Marine Upholstery, a boat upholstery and canvas repair business owned by her spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market-based models to assist clients in developing financial plans.

Jay Hutcherson is a financial advisor at Ameriprise in San Antonio, TX, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has been with Ameriprise and its related entities since 2008, with a brief gap in 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning based on proprietary research, third-party data, and algorithmic tools.

Karesse Bradley is a financial advisor at LPL Enterprise with the ChFC® designation and Series 63 and 66 licenses. She has four years of industry experience, including prior roles at Capital Group, BOK Financial, Vanguard, New York Life, State Farm, Western Governors University, and Edward Jones. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, employing model-driven portfolio management and offering access to third-party asset managers and financial planning.

Terry Howard is a financial advisor at Ameriprise with 34 years of industry experience. He has been with Ameriprise and its related entities since 2005. Howard serves on the Board of Directors for The Ranches at Buck Ridge HOA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data, with investment recommendations often tied to its affiliated product ecosystem.

Hector Nino is a Wealth Management Advisor with Merrill Lynch Wealth Management. He utilizes the wealth planning process to develop financial strategies focused on clients' goals and objectives. His approach includes implementing, reviewing, and communicating the effectiveness of these strategies and making adjustments as needed. Hector specializes in assisting families, individuals, and business owners in creating robust, long-term financial plans. Through a detailed discovery process, he helps clients articulate and prioritize their short and long-term goals, factor in risk tolerance, time horizons, and liquidity needs, and build strategies tailored to each objective. His services encompass education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, and tax minimization. He holds a Bachelor's Degree from the University of Texas at Austin and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Hector is a member of professional organizations such as the Financial Planning Association, HeartGift San Antonio, Rotary International, St. Peter St. Joseph's Children's Home, and The Texas Exes Alumni Association.

Lauren Mackrell is a financial advisor at Edward Jones with three years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2022. Her prior experience includes roles at Southwestern University and Clubs of Cordillera Ranch. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Diann Montemayor is a Series 66-licensed financial advisor with Merrill in San Antonio, TX, with three years of industry experience. She previously worked for six years at Antonian College Preparatory High School before joining Merrill. 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.

Raul Riojas is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works directly with clients to assess their current financial situations and introduce solutions available through Merrill and Bank of America. He aims to empower clients with knowledge and tools to manage their financial lives effectively. With expertise in helping clients address various financial priorities—such as purchasing a home, saving for college, caregiving, and healthcare planning—Raul collaborates one-on-one to define goals and select portfolio strategies suited to individual needs. He provides ongoing advice to adapt portfolios as clients' circumstances evolve. Raul holds the Personal Investment Advisor (PIA) designation. He earned his high school diploma from William Taft and attended Baylor University without obtaining a degree.

Aracely Corpus is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and four years of industry experience. Her background includes roles at Waddell & Reed, Inc., Albert Torres, and Northside Independent School District. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a broad network of advisors.

Thayer Rogers is a financial advisor with Fidelity Investments based in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His tenure at Fidelity spans multiple entities since 2013, including Fidelity Personal and Workplace Advisors and Fidelity Investments. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies and fund-of-funds.

Lara Tyree is a financial advisor at Morgan Stanley in San Antonio, TX, with 28 years of industry experience. She holds Series 63, 65, and 66 licenses. Her prior experience includes roles at Bank of America, Merrill, and JPMorgan Securities LLC. Outside of advising, she is a partner involved in a real estate business in San Antonio. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning that uses firm-approved tools and economic modeling techniques.

William Freeman is a financial advisor at Equitable Advisors with one year of industry experience. He previously worked at American Century Investment Services, Inc. and has held roles outside the financial sector, including at Chick-Fil-A and Uber Eats. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm uses client information and risk assessment to match clients with advisory program models and third-party asset managers.

Michelle Lawson is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 22 years of industry experience. She has worked at Raymond James since 2019 and previously at Modern Capital Advisors, LLC and Liberty Partners Financial Services, LLC from 2014 to 2022. Based in San Antonio, TX, she serves clients through a large institutional firm. Raymond James & Associates is a nationwide dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm provides financial planning, non-discretionary investment consulting, and institutional fiduciary services to a diverse client base, including individuals, institutions, and governmental entities.

Marshall Frazier is a financial advisor at Equitable Advisors in San Antonio, TX, holding a Series 66 designation with one year of industry experience. His prior experience includes two years at Harvest Future Financial and over a decade at Sanger & Altgelt, LLC. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes third-party advisory programs and models, offering a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Rollins Rubsamen is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Based in San Antonio, TX, Rubsamen works within one of the largest wealth management firms in the industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning services, and manages approximately $2.74 trillion in client assets.

Braden Tate is a financial advisor with Equitable Advisors in San Antonio, TX, holding a Series 66 license and five years of industry experience. Prior to joining Equitable Advisors in 2021, his work history includes positions at Sam’s Club, InstaCart, and Illinois State University. Equitable Advisors serves individual clients across a range of wealth levels, pension and profit-sharing plans, corporations, and nonprofit entities, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a variety of third-party advisory programs and emphasizes matching clients to investment models based on their risk tolerance and financial goals.