Joseph Ward is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets Inc. since 2008. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

John Duda Jr. is a CFP® and ChFC® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. Prior to his career in finance, he served in the United States Air Force and is now retired from active duty. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies. The firm manages approximately $1.01 trillion in assets and supports its services through a large network of financial advisors and branch offices nationwide.

David Kunold is a financial advisor at Ameriprise Financial Services with 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. He co-owns Hill Country Vintage, an online retail business operated with his wife. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines proprietary research and third-party data to deliver written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Todd Braulick is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2011. Outside of his advisory role, he is a co-owner of Mountain Panther LLC, a rental property management business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Heather Wineinger is a financial advisor with Morgan Stanley in San Antonio, Texas, holding a Series 66 license and 15 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she owns Denali Custom Homes, LLC, a home building and remodeling business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools to support client financial plans.

Thomas Pfeiffer is a financial advisor at Fisher Investments with 15 years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2007. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach that combines quantitative and qualitative research to construct globally diversified portfolios and offers various sub-advisory and retirement plan services.

Joseph Charlton is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Securities, NEXT Financial Group, JPMorgan Chase Bank, USAA Investment Management, and Fidelity Investments. He also serves as an OSJ Supervisory Principal for RDK Advisors LLC, where he handles operations, compliance, and advisor support. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, with options for discretionary and advisor-managed strategies.

Bruce Stroup is a financial advisor with OSAIC in San Antonio, TX, holding a Series 63 designation and 35 years of industry experience. Prior to joining OSAIC in 2018, he worked at firms including Jhfn Sii, Invest Financial Corporation, Woodbury Financial Services, and Principal Financial Services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and various managed account programs.

David Gay is a Series 66-licensed financial advisor with seven years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors and Minnesota Life Insurance Company. Outside of advising, he is active in the San Antonio community as a board member of the Midtown Business Association, a volunteer with Alamo Kiwanis, and holds leadership roles with local nonprofit and sporting clubs. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and a range of managed account options.

Jonathan Poblete is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses, and has 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016, and previously held roles at Citigroup Global Markets and Citicorp Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a range of services including non-discretionary consulting and discretionary retirement plan investment management, relying on research from its Wells Fargo Investment Institute and third-party analytics.

Spencer Adickes is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, N.A. prior to his current role. He previously worked at Trinity University for four years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, leveraging research from its Global Investment Committee to support client strategies.

Penny Haataja is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 designations and has 30 years of industry experience. Prior to joining Raymond James, she worked at UBS Financial Services for 16 years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Young Palmer is a financial advisor with Primerica Advisors based in San Antonio, TX. He holds Series 63 and Series 65 licenses and has approximately four years of industry experience, including roles at PFS Investments Inc. and Alignerr. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate clients, and charitable organizations. The firm delivers advisory services through a large network of advisors using model-based investment strategies developed by external asset managers.

Jared Gaddis is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Equitable Advisors since 2011, including its predecessor Axa Advisors. Outside of his advisory work, he owns MJG Real Estate, LLC, a business involved in commercial, residential, and agricultural real estate investments. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Ryan Pearson is a Series 66-credentialed financial advisor at Morgan Stanley in San Antonio, Texas, with one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at EY for eight years and was affiliated with Texas A&M University for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Carol Mani Johnston is a financial advisor with RBC Capital Markets based in San Antonio, TX. She holds Series 63 and Series 65 designations and has 42 years of industry experience. Her prior work includes a 12-year tenure at UBS Financial Services before joining RBC Capital Markets and City National Bank in recent years. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies to clients’ risk profiles, utilizing both in-house and third-party managers.

Danielle Rios is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. She has worked primarily at Fidelity Investments since 2022, with prior experience at Charles Schwab & Co., Inc. and Kohl's. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms. The firm is also registered with the CFTC as a commodity pool operator and serves as an advisor to multiple registered investment companies and fund-of-funds.

Lucas Vasquez is a financial advisor with Cetera, holding Series 63 and Series 66 designations and five years of industry experience. His prior roles include positions at Capital Strategies and MassMutual Life Insurance Co. He has worked within the Cetera network since 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering various portfolio management options, financial planning, and access to third-party money managers, overseeing more than $256 billion in assets across more than 10,000 advisors.

Nicole Hughes is a Series 66 licensed advisor with Merrill in San Antonio, TX, and has 5 years of industry experience. She has been with Merrill and Bank of America since 2008. Outside of her advisory role, Hughes serves as a board member for the Barton Springs Conservancy, a charitable organization, where she assists with fundraising and strategic planning. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kurt Von Buettner is a financial advisor with Edward Jones in Shavano Park, TX, holding CFP® and ChFC® designations and over 22 years of industry experience. Prior to joining Edward Jones in 2019, he worked at SWBC Investment Company and SWBC Investment Services LLC from 2015 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.