Jerald Stafford is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 13 years of industry experience. His prior experience includes roles at Wells Fargo Bank, Wells Fargo Clearing, and PFS Investments Inc. Outside of his advisory work, he is involved with San Antonio Water Refiners, dedicating 20-30 hours per month to sales activities. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and select separately managed account options primarily to individual and high-net-worth clients. The firm employs third-party asset managers and uses a tiered wrap fee structure for its services.

Jose Martinez is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 65 designations and 26 years of industry experience. His prior work includes roles at Edward Jones and USAA Financial Planning Services. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management with integrated brokerage, custody, and financial planning services.

Rocco Bonazza is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. He has worked at MML Investor Services, LLC and Mass Mutual Life Insurance Company since 2021 and previously spent 14 years at HEB. Outside of his advisory role, he is also involved in outside insurance sales focusing on life, disability, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, written recommendations tailored to client goals.

John Conlin III is a ChFC® with 32 years of industry experience, currently affiliated with LPL Enterprise since 2024. He previously worked at Pruco Securities, LLC for 29 years. Conlin is a retired Lieutenant Colonel in the U.S. Air Force. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory and brokerage capabilities.

Michael McDonald is a Planning Consultant at Fidelity, where he has worked since 2022. In his role, he partners with individuals and their families to build and implement financial plans aimed at growing and protecting their assets. His focus is on helping clients work toward their financial goals through tailored financial strategies. Michael's professional experience is centered on financial planning and consulting, with a commitment to supporting clients in managing their financial futures. Further details about his education, credentials, and personal interests have not been provided.

Daniel Meisenheimer is a CFP® professional with 19 years of experience in the financial industry. He is currently affiliated with Charles Schwab, where he has worked since 2021, following prior roles at USAA. Outside of his advisory work, he is involved in real estate ownership and transactions in San Antonio, TX. 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 client relationships with access to affiliated discretionary separately managed accounts and offers a range of multi-asset investment solutions supported by centralized operational and custody services.

Samuel Livesay is a Series 66-licensed financial advisor at Morgan Stanley in San Antonio, TX, with one year of industry experience. Prior to joining Morgan Stanley, he served in the Peace Corps for two years and participated in AmeriCorps. 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 supported by structured planning tools and resources.

Anthony Krueger is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. He has been associated with various Cetera entities since 2021 and held prior roles at First Allied Securities and Aston Carter. Before entering the financial services industry, he worked at Globus Medical from 2015 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account structures and a variety of program options.

Ryan Hamman is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance Company since 2013. In addition to his work at MassMutual, he advises clients through Hamman and Hamman Wealth Management, a pass-through entity focused on advisory-based accounts. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved software to deliver written recommendations tailored to clients’ goals and risk tolerances.

Louis Barnes is a financial advisor at Fidelity with 21 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His prior roles include positions at Wells Fargo Clearing and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Andrew Stanco is a financial advisor with Morgan Stanley in San Antonio, Texas, holding a Series 66 designation and 26 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Outside of his advisory role, he is a partner in a restaurant and bar business in Santa Rosa Beach, Florida. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Jocelyn Cates is a CFP® certificant with 20 years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, she worked at Investment Professionals Inc from 2013 to 2017. She holds the Series 66 designation and operates out of San Antonio, TX. Edward Jones is a full-service wealth management firm with over 23,700 advisors serving more than four million individual and institutional clients. The firm offers a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Gilbert Castillo Jr. is a financial advisor at Osaic with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including American Funds and SWBC prior to joining Osaic in 2022. He is also managing director of retirement plans at Altus Consulting Group, LLC, focusing on sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm uses asset-allocation tools and risk-tolerance assessments to construct diversified portfolios and supports multiple legacy programs and third-party solutions.

Jinkie Underwood is a financial advisor at Merrill with 14 years at the firm and two years of overall industry experience. She holds a Series 66 designation. Outside of her advisory role, she is involved in a for-profit business, SA Bar Management, in San Antonio, Texas, where she performs data entry as needed. 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 diverse client base including individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services beyond typical managed account offerings.

Timothy Trigg is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 14 years of industry experience. His career includes over three decades at USAA Investment Management Company and roles at PFS Investments Inc. and Compex Legal. Outside of advising, he is involved in reselling physical goods online. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure as part of its investment approach.

Elias Zavala is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 credential with two years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Frost Brokerage Services, Inc. and Frost Bank. Outside of his advisory role, he has engaged in customer service work with companies such as Uber, Amazon, and Shipt. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary investment models in its financial planning process.

David Dowd is a financial advisor with Equitable Advisors in San Antonio, TX. He holds a Series 66 designation and has experience in the insurance and mortgage industries, having worked at Nationwide Insurance and Nexa Mortgage. Outside of finance, he is involved in managing 24-7 Air Conditioning, where he serves in administrative and IT roles. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and asset management access through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals and risk tolerances.

Chelsea Smith is a financial advisor at Cetera with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Merrill and JP Morgan Securities LLC. She is based in San Antonio, TX. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services through a nationwide network of independent advisors. The firm serves a range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering various portfolio management and financial planning solutions.

Lee Edwards is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities, Cetera, and Cetera Financial Specialists. Edwards is also the owner of Lee Edwards CPA PLLC, where he provides tax preparation services. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing across a range of investment options.

Deborah Martinez is a financial advisor with Merrill, based in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked with Bank of America since 1989 and with Merrill since 2009. Martinez holds a Texas real estate license, which she maintains without active involvement. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader financial platform.