Daniel Espinoza is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 66 designation and 21 years of industry experience. He previously worked at SWBC Investment Services LLC for seven years before joining LPL Financial in 2018. In addition to his advisory role, he is involved in Medicare supplement plans as part of a non-variable insurance business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Paul Renfro is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 66 designation and four years of industry experience. His prior roles include positions at First Allied Securities, Lone Star Bullion, and CollegePlus/Lumerit. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management along with research and model portfolios.

Jessica Edmonds is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and 16 years of industry experience. She has worked at Ameriprise since 2018 and previously at Investment Professionals Inc. Edmonds is also the owner of J Edmonds Marketing LLC, a small business unrelated to investment advising. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through personalized recommendation reports and ongoing advice.

James Boynton is a financial advisor at Ameriprise with 45 years of industry experience. He has previously worked at RBC Capital Markets Corporation and Ameriprise Financial Services Inc. Boynton serves on the board of directors for SA Life Academy and is involved with ATCOTX, LLC, an oil and gas royalty business. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Caitlin Bernatt is a financial advisor with J.P. Morgan Securities in San Antonio, TX. She holds a Series 66 designation and has three years of industry experience. Her prior experience includes roles at Merrill and Bank of America. 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 brokerage and investment management capabilities.

Brunilda Ramon is a financial advisor at Wells Fargo Advisors in San Antonio, TX, with nine years of industry experience. She holds Series 63 and Series 66 designations and has worked at various Wells Fargo entities since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Antonio Duran is a financial advisor at Merrill with Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He also worked at Chick-Fil-A for four years before entering the financial sector. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tiffany Briggs is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in San Antonio, Texas. Since beginning her career at Merrill in 2004, she has focused on assisting individuals, families, and business owners with complex financial decisions. Tiffany holds multiple professional credentials, including CFP®, CDFA®, CRPC, C(K)P®, CPFA®, PIA, and RBC, underscoring her commitment to providing comprehensive financial guidance. Her areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for defined benefit plans, managing new wealth, personal retirement planning, women and wealth, and retirement income. Tiffany combines a thoughtful and strategic approach to wealth planning, investment strategy, retirement planning, and multigenerational wealth transfer, tailoring strategies to align with her clients' goals and values. She is recognized for building lasting client relationships based on trust and personalized care. Tiffany holds a Bachelor's degree from Northeast Louisiana University. She is active in her community, serving on the board of the Creative Arts Conservatory of San Antonio and volunteering as a classical music docent at the Geneva School of Boerne. She also volunteers with her church's praise team at Leon Springs Baptist Church. Outside of her professional and volunteer work, Tiffany enjoys competing in triathlons, biking, running, swimming, singing, and spending time with her husband Jeremy and their three children.

Ryan Marquard is a financial advisor with Edward Jones in Boerne, TX, holding Series 63 and Series 65 designations and bringing 13 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Travis Hughes is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Ameriprise in 2021, he worked at Randolph Brooks Federal Credit Union and CUNA Brokerage Services from 2019 to 2021, as well as at NYLIFE Securities and New York Life Insurance Company. He has also been involved in outside employment related to his financial advisory work at Randolph Brooks Federal Credit Union. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing annual planning focused on retirement income sources and tax-aware withdrawal strategies.

Daniel Santoyo is a financial advisor with Fidelity in San Antonio, TX, holding Series 63 and Series 66 registrations and one year of industry experience. His prior work includes roles at BMO Bank US and Spectrum (Charter Communications), among others. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that serves retail and institutional clients through discretionary portfolio management, advisory services, and fund advisory. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Bruno Montes De Oca is a financial advisor at Raymond James Financial in San Antonio, TX, holding a Series 66 designation. He has prior experience at Goldman & Peterson PLLC and has worked in various roles since 2014, including positions outside the financial industry. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by advanced analytical tools and maintains unique affiliations in municipal and public finance advisory services.

Samantha Flores is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has worked at LPL Financial since 2019 and has prior experience with Christopher Hall, Pontem LLC, and Waddell & Reed Inc. Outside of her advisory work, she is involved with Caliente Harley Davidson Motorcycles in San Antonio. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a large network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Audrey Kimball is a Financial Consultant at Fidelity Investments, where she has been working since 2024. Prior to this role, she served as a Planning Consultant from 2021 to 2024 and as an Investment Solutions Representative from 2019 to 2021, all within Fidelity Investments. Her professional focus involves helping clients navigate complex financial decisions by analyzing risks and developing comprehensive financial plans. Audrey holds a California Insurance License, supporting her ability to offer informed advice on insurance-related financial matters. She is dedicated to empowering individuals to simplify their financial lives and create strategies for building, preserving, and distributing wealth. Outside of her professional work, Audrey enjoys a variety of personal interests including board games, food, movies, music, reading, and singing.

Stephen San Roman is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds a Series 66 designation and has worked at MML Investors Services and Massachusetts Mutual Life Insurance Company over an eight-year period, as well as DXP Enterprises, Inc. for two years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering services such as financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Zito is a financial advisor with Edward Jones in Spring Branch, TX, holding Series 63 and Series 66 credentials and over 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, managing approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Apolinar is a financial advisor with Edward Jones in San Antonio, TX. He holds a Series 66 designation and has been with Edward Jones since 2026. Prior to joining the firm, he worked at Smithfield Foods, JR Simplot, and Pepsico. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, with approximately $1.01 trillion in assets under management supported by a nationwide network of financial advisors and branch offices.

John Farar is a financial advisor at Charles Schwab with 25 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His prior experience includes two years at TD Ameritrade and ten years at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base of 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. The firm integrates advisory, brokerage, custody, and cash-sweep services within its multi-asset investment approach.

Kyle Wofford is a financial advisor at Raymond James & Associates with a Series 66 credential and one year of industry experience. Prior to joining Raymond James, he held roles at Travelers Insurance and The Hartford Fire Insurance. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional investors, and nonprofits, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management approaches.

Deric Eldridge is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and eight years of industry experience. He previously worked at CUNA Brokerage Services and Randolph Brooks FCU. Outside of his advisory role, he serves as a soccer referee for South Texas Soccer Referees, Inc. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.