Gary Penick is a financial advisor with Life Balance Financial in Houston, TX, holding Series 65 and Series 66 licenses and eight years of industry experience. His background includes roles at Edward Jones and CarMax, where he currently works as a sales consultant. Life Balance Financial provides comprehensive financial planning and retirement-plan consulting for individual and high-net-worth clients. The firm serves as the primary adviser while recommending and monitoring third-party investment managers who typically use Modern Portfolio Theory and the Fama-French three-factor model.

Samuelson Drumond is a CFP® with eight years of industry experience, currently serving at Drumond Wealth Management. His prior roles include positions at Sovereign Wealth Advisors LLC, LPL Financial, Edward Jones, Drumond Associates, and Santander Bank N.A. Outside of his advisory work, he is an independent insurance producer. Drumond Wealth Management offers fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy using fundamental, technical, and cyclical analysis across diverse instruments and operates a wrap fee program that integrates advisory and execution services.

Marcus Ford is a financial advisor at Increase Consultants LLC with six years of industry experience. He holds a Series 65 designation and has been with Increase Consultants since 2018. In addition to his advisory role, he has been affiliated with Texas Southern University since 2008. Increase Consultants provides investment advisory and financial planning services to individuals, trusts, not-for-profit plans, endowments, corporations, and a registered investment company. The firm employs a customized, long-term, and globally diversified investment approach and offers family-office style reporting, non-investment consulting, and 401(k) education and plan monitoring.

Taimur Qadir is a financial advisor at M&A Wealth with 22 years of industry experience. He holds Series 63 and 65 licenses and has worked previously at firms including Guardian Life and Brokers International Financial Services. In addition to his advisory role, he is involved in the sale of insurance and annuity products through P&C Life Insurance Agency, LLC. M&A Wealth provides financial planning and portfolio management primarily to individual and high-net-worth clients, using a combination of active and passive investment strategies tailored to client objectives. The firm also serves as adviser and affiliated sponsor to private pooled investment vehicles and offers in-house tax, accounting, and family-office services.

Joe Allen is a financial advisor at Life Balance Financial in Houston, TX, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities and Guardian Life Insurance Company. In addition to his advisory role, he operates as an independent insurance agent. Life Balance Financial provides financial planning by recommending and monitoring third-party investment advisers rather than managing client assets directly. The firm emphasizes asset allocation, portfolio construction, and tax-aware strategies, delivering a written financial plan known as the "Portfolio MRI" as its primary client service.

Michael Schiff is a financial advisor at Incomar Investments, LLC with 24 years of industry experience. He holds a Series 65 designation and has been with Incomar Investments, L.P. since 1994. Outside of his advisory role, he serves as president and director of Luxury Lodges, Inc., a mobile home and recreational vehicle park. Incomar Investments, LLC provides discretionary wealth and portfolio management primarily for high-net-worth individuals, trusts, estates, small businesses, and charitable organizations. The firm employs a strategic asset allocation approach combining fundamental and technical analysis and offers access to non-traditional investments and institutional platforms.

Callen Campbell is a financial advisor at Advocates Wealth Planning in Houston, TX, holding a Series 65 designation with two years of industry experience. His prior roles include positions at Sanctuary Advisors LLC and Concenture Wealth, as well as teaching experience at Stephen F. Austin University and Cypress Woods High School. Advocates Wealth Planning provides comprehensive financial planning and discretionary investment management to individual and high-net-worth clients, managing approximately $374.5 million across about 175 client relationships. The firm employs a diversified, global approach with integrated asset allocation, primarily using mutual funds and ETFs, and customizes portfolios based on tax considerations, account constraints, and client goals.

Craig Narum is a CFP® professional with 23 years of industry experience. He has been with Trisperity Advisors, LLC since 2007 and also serves as an adjunct consultant at Qittitut Consulting LLC, focusing on growth strategy facilitation, business process redesign, and financial modeling. Trisperity Advisors provides fee-only financial planning and investment management services to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation and global diversification, managing approximately $283.7 million across about 266 clients, primarily on a discretionary basis.

Paresh Jain is a financial advisor at OPPOQUEST with 13 years of industry experience. He holds a Series 65 designation and has worked at OPPOQUEST since 2013. Prior to that, he was affiliated with Texas Southern University for five years. OPPOQUEST provides investment management services to individual and business clients, focusing on portfolio management through a range of model strategies and customized mandates. The firm employs a bottoms-up fundamental analysis approach and incorporates diversified asset classes, including ETFs and options-based strategies.

Robert Cruces is a financial advisor at M&A Wealth with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Brookstone Wealth Advisors and Gradient Advisors LLC. Outside of his advisory role, he is also involved in insurance sales through Standard Capital Financial. M&A Wealth provides financial planning and portfolio management primarily to individual and high-net-worth clients. The firm employs a variety of investment approaches tailored to client objectives and manages private pooled vehicles, including multi-asset and private-credit funds.

Kathryn Prestwood is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Penney Financial in Houston, TX. Her prior experience includes roles at RMB Capital and Heart and Soul Tea Room, reflecting a diverse background. Penney Financial provides comprehensive financial planning and advisory services to individuals, families, high-net-worth clients, trusts, estates, charitable organizations, and small businesses. The firm emphasizes a planning-first process supported by academic research, using low-cost mutual funds and ETFs within investment strategies that combine goal-based planning and discretionary portfolio management.

Chung Wu is a CFP® professional with 23 years of experience in financial advising. He has led Chung Wu Investment Group, LLC since 2014 and serves as the general partner and manager of CWIG Total Return Fund, LLC. Outside of his advisory work, he is also an insurance agent. Chung Wu Investment Group, LLC manages approximately $127 million for individuals, trusts, estates, and business entities, offering both discretionary and non-discretionary asset management and financial planning. The firm employs a combination of top-down macro analysis and bottom-up fundamental and technical analysis, with portfolios that may include ETFs, mutual funds, equities, alternative investments, and derivatives.

Thomas Tracy is a Series 65-licensed financial advisor with Forth Capital (USA), LLC, where he has worked since 2022. He has over two years of industry experience and is also the CEO and founder of Forth Capital Group, a firm established in 2004 that manages client assets internationally. Outside of his advisory role, he owns the FC EDINBURGH soccer team, focusing on strategic activities. Forth Capital (USA), LLC primarily serves UK expatriates living in the United States who hold UK-based pensions, providing financial planning, pension transfer advice, and portfolio management. The firm operates on a non-discretionary basis, emphasizes transatlantic retirement solutions, and coordinates with UK-regulated pension-transfer specialists and affiliated entities across multiple jurisdictions.

Elizabeth Soto Delgadillo is a CFP® with 38 years of experience in the financial industry. She is currently with Verus Financial Group and has previously worked at IFP Securities, Independent Financial Partners, and LPL Financial. In addition to her advisory role, she is an agent for life insurance, annuities, and long-term care products. Verus Financial Group serves individuals, pension and profit-sharing plans, and business entities, offering discretionary portfolio management, financial and estate planning, pension consulting, and access to private equity and alternative investments. The firm integrates modern portfolio theory with automated rebalancing and tax-loss harvesting, and employs strategies including digital assets, options, margin, and securities-based lending.

Dilip John is a financial advisor at M&A Wealth with a Series 65 credential and one year of industry experience. His prior roles include positions at Wells Fargo and JP Morgan Chase. He is also involved with P&C Life Insurance Agency, LLC. M&A Wealth provides financial planning and portfolio management primarily to individual and high-net-worth clients, utilizing a variety of investment approaches including internally developed model portfolios. The firm also serves as adviser and affiliated sponsor to private pooled investment vehicles and offers additional services such as retirement plan advice and educational workshops.

Eric Miller is a financial advisor at Increase Consultants LLC with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial LLC since 2016. Outside of his advisory role, he serves as president of an affiliated insurance agency. Increase Consultants provides investment advisory and financial planning services to individuals, trusts, not-for-profit plans, endowments, corporations, and a registered investment company. The firm employs a customized, long-term, globally diversified investment approach and offers family-office style reporting, portfolio management, and non-investment consulting.

Jeffrey Mcculloch is a CFP® with 12 years of industry experience, currently serving as an advisor at Trisperity Advisors, LLC since 2017. Prior to this, he worked at Ameriprise Financial Services, Inc. from 2013 to 2017. He also holds a trustee role in fiduciary activities since 2014. Trisperity Advisors provides fee-only financial planning and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation and global diversification, managing approximately $283.7 million primarily on a discretionary basis.

Milton Thiel Jr. is a CFP® professional with 23 years of industry experience, currently serving at Trinity Neches since 2016. He holds Series 63 and Series 65 licenses and participates as a board member for the Fort Bend County Toll Road Authority and the Fort Bend Grand Parkway Toll Road Authority. Trinity Neches offers discretionary private wealth management, financial planning, and corporate retirement plan advisory services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a blended investment process incorporating fundamental, technical, and cyclical analysis and manages customized portfolios on a discretionary basis aligned with client goals and risk tolerance.

James Donewald is the sole advisor at CRIS Capital, Ltd. in Katy, Texas, holding a Series 65 designation with 15 years of industry experience. He has been associated with CRIS Capital, Ltd. since 2008 and with CRIS Financial since 2012. Outside of his advisory role, Donewald is a licensed insurance agent and partner at CRIS Financial. CRIS Capital, Ltd. provides portfolio management services to individual clients, creating personalized Investment Policy Statements that address goals, time horizons, and risk tolerance. The firm employs fundamental analysis and modern portfolio theory with a long-term trading approach, delegating trade execution to a third-party subadvisor while maintaining discretionary oversight.

Chris Liebum is a financial advisor at Ronald A. Bartlett & Associates, Ltd. with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Strategic Financial Concepts, SPJST, and Farmers Insurance Group. Outside of advising, he owns an insurance agency and is a co-author of a book available on Amazon. Ronald A. Bartlett & Associates, Ltd. serves individual clients, trusts, estates, and unions, focusing on retirement planning through discretionary asset management and financial consulting. The firm emphasizes a fundamental-analysis and asset-allocation approach, offering tailored advice on insurance products alongside traditional investments.