Samantha Binz is a CFP® and ChFC® with four years of experience in financial services. She currently works at Schwab Wealth Advisory, where she has been since 2025. Prior to that, she held positions at First Command Brokerage Services and American National Bank of Texas. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers investment recommendations using Schwab’s standard asset allocation models and research tools, with final trading decisions made by clients.

Scot Hollmann is a CFA® charterholder with 34 years of industry experience, currently serving at Luther King Capital Management Corporation since 1983. He is based in Fort Worth, TX, and holds a Series 65 license. Luther King Capital Management Corporation advises a diverse client base including individuals, trusts, pension plans, and government entities. The firm employs a fundamental, bottom-up investment approach across equity, fixed income, and balanced strategies, managing a range of pooled and separate accounts with approximately $31.5 billion in regulatory assets under management.

Bradley Eberendu is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at TD Ameritrade Investment Management and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Stephen Osborne is a financial advisor at &PARTNERS with 20 years of industry experience. He holds Series 65 and Series 66 credentials and previously worked for Guidestone Financial Resources of SBC for 19 years. Osborne is also a silent partner in Black Creek Wildlife, where he provides investment capital for the purchase and resale of exotic animals. &PARTNERS is an enterprise firm serving a diverse client base that includes individual and institutional investors, retirement plans, charitable organizations, and sovereign wealth funds. The firm offers investment advisory and brokerage services, financial planning, and retirement plan management, utilizing both proprietary models and third-party manager solutions through the Envestnet platform.

Aaron Peck is a financial advisor with Primerica Advisors in Southlake, TX, holding the ChFC® designation and Series 63 and 65 licenses. He has 21 years of industry experience and has worked with firms including Park Avenue Securities, Guardian Life Insurance Company, Hornor Townsend & Kent LLC, Penn Mutual Life Insurance Company, and Mutual of Omaha. Outside of advising, he serves on the board of the National Association of Insurance and Financial Advisors (NAIFA) and is a continuing education instructor for Texas state CE classes. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers transaction-based brokerage and fee-based advisory services, financial planning, and retirement-plan consulting, utilizing proprietary and third-party investment strategies across a variety of account types.

Francisco Herrera is a CFP® professional with nine years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc., having joined in 2026. Prior to that, he spent five years at The Vanguard Group, Inc. Herrera’s background includes full-time education from 2013 to 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, serving retail clients with financial reviews, planning discussions, and tailored investment recommendations. The firm operates within the Schwab ecosystem, utilizing standard asset allocation models and research tools, and does not exercise discretionary trading authority within client accounts.

Charles Broyles is a financial advisor with SPC in Westlake, TX, holding the ChFC® and Series 63 designations and bringing 19 years of industry experience. He has worked at Parkland Securities since 2014 and has operated Broyles LLC since 2009, where he advises on insurance and employee benefits. Outside of his financial advisory roles, Broyles is the founder and president of Texas Sandlot Baseball Club, which organizes youth baseball and softball teams. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans, offering portfolio management, financial planning, and ERISA-related services through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm provides discretionary and nondiscretionary investment management and works with third-party managers in co-advisor roles while maintaining compliance and succession protocols.

John Loy is a CFP® with 17 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc. and has prior experience at Charles Schwab, Drury Hotels, Edward Jones, Eagle Strategies (NY Life), New York Life Insurance, and Capital One Sharebuilder. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools, with client-directed trading decisions and annual account reviews.

Frank Sullivan is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Frost Brokerage Services and First Command Financial Planning, Inc., each for six years. Outside of advisory work, he serves as an executor and independent administrator for family estates. First Command Advisory Services is an SEC-registered firm serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and a range of wrap-fee asset management programs, using a centralized Investment Management Team to design, monitor, and rebalance model portfolios.

Mason Goynes is a CFP® professional with eight years of industry experience, currently serving with AE Wealth Management, LLC in Fort Worth, TX. His prior experience includes roles at Gregory Ricks & Associates, Inc., Centanni Financial Group, Lincoln Financial Advisors Corporation, and Raymond James Financial Services, Inc. He also acts as a presenter for the Association for Financial Education and Advice (AFEA). AE Wealth Management, LLC provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a variety of investment strategies, managing approximately $49.8 billion across more than 127,000 clients, supported by a robust platform and a large team of advisors.

Peter Carlo is a financial advisor at First Command Advisory Services with 24 years of industry experience. He holds Series 63 and Series 65 designations and has been with First Command in various capacities since 2001. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs managed centrally by an Investment Management Team and Wealth Portfolio Managers.

Holly Heath is a Series 66-licensed financial advisor with First Command Advisory Services, based in Fort Worth, TX. She has 12 years of industry experience and has worked within various First Command entities since 2015. Outside of her advisory role, she is active in her local community as a member of a sewing club that creates items for sale and charity. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, using a centralized Investment Management Team to design and monitor portfolio models.

Wade O Neal III is a financial advisor with Schwab Wealth Advisory who holds Series 66 and Series 63 designations and has 16 years of industry experience. His prior roles include positions at USAA, Merrill Lynch, Bank of America, Fisher Investments, and The Resource Fund Group. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, differentiating it from many enterprise wealth managers.

Daniel Barker is a financial advisor with CWM, LLC based in Southlake, TX, holding Series 63 and Series 65 licenses and with 29 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC, Carson Wealth, Linsco/Private Ledger Corp., and Pinnacle Financial Group. Outside of advising, he serves as a high school basketball referee for the Fort Worth Basketball Officials Association. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, employing discretionary management with model portfolios overseen by an in-house Investment Committee and incorporating multiple analytic and customization tools.

James Meier is an advisor at First Command Advisory Services with Series 63 and Series 65 licenses. He has one year of industry experience following a 27-year career in the United States Air Force. Outside of his advisory role, he is a distributor and community partner with The Juice Plus+ Company, a multi-level marketing business, and is involved in managing family-owned rental properties. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs utilizing centrally managed model portfolios and third-party managers selected by its Investment Management Team.

James Baurichter is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and Charles Schwab & Co., Inc. since 2011. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates as an internal advisory unit within the Schwab ecosystem and uses Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Jaimeson Smith is a financial advisor with Creative Planning, LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Robinhood Financial, Robinhood Markets, and Fidelity Brokerage Services. He serves on the board of the American Heart Association and participates on the family board of directors for Allen Associates, Inc. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process with an emphasis on low-cost indexing and buy-and-hold strategies, supplemented by specialized offerings such as direct indexing and tax-loss harvesting.

Kristal Dillon is a financial advisor at First Command Advisory Services with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has a work history that includes positions as a driver for Uber and a food delivery worker for Door Dash. First Command Advisory Services is an SEC-registered firm serving individuals, corporations, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs using model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Kevin Heckle is a financial advisor with First Command Advisory Services in Fort Worth, TX, holding a Series 66 designation and four years of industry experience. Prior to his current role, he served 27 years in the United States Air Force. He has worked at multiple First Command entities since 2021. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and a range of wrap-fee asset management programs utilizing model portfolios and third-party managers selected by a centralized Investment Management Team.

Nicole Hargrove is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Charles Schwab, TD Ameritrade, BOK Financial Securities, Ameriprise, and Scottrade. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm delivers annual financial reviews and investment recommendations while clients retain final trading decisions, and it operates as an internal advisory unit within the Schwab ecosystem.