Salvatore Holt is a financial advisor with OSAIC in Boerne, TX, holding Series 63 and Series 66 credentials and 36 years of industry experience. He previously worked for SagePoint Financial, Inc. for 14 years before joining OSAIC in 2023. Holt is also the president and managing partner of Holt Financial Group LLC, which provides marketing and branding services as well as consulting unrelated to investments. OSAIC serves a broad range of retail and institutional clients through an extensive network of advisers and offers integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm uses various asset-allocation tools and supports discretionary and non-discretionary portfolio management with access to multiple third-party platforms.

Alejandro Martinez is a financial advisor at Edward Jones with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Victory Capital Services, Charles Schwab, JP Morgan Chase, Apple Inc, and Tesla Motors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,000 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Riley Rodman is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with various Fidelity entities since 2015. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process. The firm also serves as a commodity pool operator and advises multiple registered investment companies, incorporating AI and established governance procedures in its operations.

Brent Mccrary is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently affiliated with Osaic Wealth, Inc., where he has worked since 2023. Prior to that, he held roles at Royal Alliance Associates, Inc. and Jhfn Sii. Mccrary is also involved with Platinum Wealth Solutions of Texas LLC, where he provides sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across multiple asset classes with both discretionary and non-discretionary options.

Ceceil Collins Pearcy is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding the Series 63 and Series 66 licenses and having six years of industry experience. Prior to joining J.P. Morgan in 2019, Pearcy worked at Ameriprise Financial Services. Outside of advising, Pearcy is a co-owner of Legacy Pine Investments LLC. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Luke Peretti is a Series 66-licensed financial advisor with Fidelity Investments in San Antonio, TX. He has experience working at several firms, including Prolific and Hilltop Securities, and has held roles outside finance, such as with Aggieland Executive Transportation and Texas A&M University. He occasionally conducts research studies outside his primary advisory duties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm also serves multiple registered investment companies and delivers model portfolios using systematic methodologies across various investment vehicles.

Jeremy King is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He previously worked at Morgan Stanley from 2016 to 2025 before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in 2025. He holds a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations, delivering services on a non-discretionary basis through a select group of Wealth Advisors.

Carey Moy is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial and its predecessor firm since 2006. Outside of advising, Moy is a patent holder and silent partner in a company that developed a promotional and retail product. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party research, and technology-driven strategies.

Vijayakumari Kumarasamy is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she worked at Citigroup Global Markets starting in 1998. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, utilizing structured planning tools and market models, and manages approximately $2.74 trillion in client assets.

Richard Weld II is a financial advisor at Edward Jones in Shavano Park, TX, holding a Series 66 designation. He has over six years of prior experience at Rackspace Hosting and four years at Frost Bank before joining Edward Jones in 2025. 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 discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Steven Muldowney is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Outside of his advisory role, he is employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-assisted advice through a centralized consulting team.

Ryan Ridlehuber is a financial advisor with Raymond James & Associates in Boerne, TX, holding a Series 66 designation and 10 years of industry experience. He has been with Raymond James since 2015. Outside of advising, he is an officer and treasurer of WayStar, LLC, managing company financials. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and various organizations. The firm provides tailored financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Walter Tramontin is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is involved in event planning through Corporate Sports, etc LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Luis Pinto Jr. serves as a Private Wealth Advisor at Merrill Private Wealth Management, where he specializes in International Wealth Management, Legacy Planning, and Portfolio Management Services. He works with corporate executives, entrepreneurs, and family offices, focusing on helping them achieve their financial goals through integrated strategies, especially in managing cross-border currency exposure and complex financial instruments. Luis began his career at Merrill Lynch in 1998, spent six years at UBS, and returned to Merrill Lynch in 2010. He holds a Bachelor of Business Administration degree from St. Mary's University and professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Luis is a member of the Investment Management Consultants Association and is qualified as a Portfolio Manager. Fluent in English and Spanish, Luis has a personal interest in adventure sports, basketball, boxing, hunting, music, soccer, traveling, watching movies, and spending time with his family.

Manuella Shomba is a financial advisor at J.P. Morgan Securities LLC with one year of industry experience. She holds a Series 66 designation and has previously worked at Rose-Hulman Institute of Technology. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Carlos Benavides Jr. is a financial advisor at LPL Financial in San Antonio, TX, with 16 years of industry experience and a Series 66 designation. He has worked at IBC Bank and LPL Financial since 2015. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Stephen Murphy is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 66 designation and has worked at Fidelity and its affiliates since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of model portfolios and advisory services.

Kay Flores is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining LPL Financial in 2023, Flores worked with The Insurance Solutions Experts, Northwestern Mutual Investment Services LLC, and Fernando Suarez. Flores also serves as a notary in San Antonio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Joshua Velasquez is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and currently has one year of industry experience. Prior to joining Wells Fargo, he worked at UniFirst Corporation for eight years and was involved with the E-Train Baseball Organization for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Craig Cross is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at MML Investors Services, MassMutual Life Insurance Company, Citigroup, and Frost Brokerage Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and provide written recommendations.