Ali Fahr is a financial advisor with UBS Financial Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS since 1986. Outside of his advisory work, he participates as a member of a residential condo association. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management offerings, providing comprehensive solutions across multiple asset classes and market functions.

Luis Testas is a First Vice President and International Wealth Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1997, initially working at JPMorgan and its predecessors before joining Merrill Lynch in 2006. Luis offers financial services tailored to high net worth individuals, families, and business owners, focusing on areas such as portfolio management, retirement and education planning, securities-based lending, wealth transfer, legacy planning, and charitable giving. Luis holds a Bachelor's degree from Trinity University and professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute® (The Institute) and the College for Financial Planning. His approach centers around identifying client goals and delivering appropriate solutions to help achieve them, emphasizing attentive and tailored service. Outside of his professional work, Luis enjoys spending time with his family, playing tennis, listening to music, playing acoustic guitar, golfing, ice hockey, skiing, and traveling.

Brent Mccrary is a Certified Financial Planner® with 18 years of industry experience. He is currently with OSAIC Wealth, Inc., having joined in 2023, and previously worked at Royal Alliance Associates, INC., Jhfn Sii, and Eagle Strategies (NY Life). He is involved in Platinum Wealth Solutions of Texas LLC, where he provides sales and marketing of securities, investment advisory, and insurance products. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and rebalancing, and supports a wide array of program options managed by both advisors and third-party managers.

Ceceil Collins Pearcy is a financial advisor with J.P. Morgan Securities based in San Antonio, TX, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining J.P. Morgan in 2019, Pearcy worked at Ameriprise Financial Services and has been a co-owner of Legacy Pine Investments LLC since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework. The firm’s advisory process incorporates quantitative and qualitative research with a focus on eligible strategies and may include an ESG eligibility framework.

Carey Moy is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2006 and previously worked at Mass Mutual Investors Services. Moy is the patent holder and silent partner of a company that produces a patented promotional and retail product. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Jason Porter is a Series 66-credentialed advisor at Merrill with 17 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he holds a power of attorney fiduciary position related to client IRAs in San Antonio, Texas. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, along with comprehensive trading, account administration, and custody support.

Vijayakumari Kumarasamy is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets from 1998 to 2009. She has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Richard Weld II is a financial advisor at Edward Jones in San Antonio, TX, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Frost Bank for four years and at Rackspace Hosting for six years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Steven Muldowney is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Outside of his advisory role, he is employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-assisted advice through a centralized consulting team.

Kimberly Sellars is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and previously worked for UBS Financial Services for 12 years before joining Merrill. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Walter Tramontin is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is involved in event planning through Corporate Sports, etc LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Adriana Espinoza is a financial advisor with Equitable Advisors in San Antonio, TX. She holds Series 65 and Series 63 licenses and has four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked in various roles including at USAA and educational institutions. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Jessica Abrego is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 credentials. Her career includes roles at SWBC Investment Company, Advisor Group, Merrill Edge, Charles Schwab, and USAA Investment Services Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a network of investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Brian Callahan is a financial advisor with RBC Capital Markets in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He has worked with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the boards of Landa Gardens, a local charity dedicated to garden development, and Planned Parenthood of San Antonio, where he provides financial recommendations related to endowment and general funds. RBC Wealth Management serves a broad client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies based on clients’ risk profiles, utilizing both in-house and third-party investment managers and a range of portfolio management and financial planning services.

Muttalib Ibrahim is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 credential and 16 years of industry experience. His prior roles include positions at USAA Investment Management Company and its affiliated financial advisory and planning services. Outside of finance, he is also a working actor involved in feature films, primetime television, soap operas, commercials, and independent films. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Kay Flores is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining LPL Financial in 2023, Flores worked with The Insurance Solutions Experts and Northwestern Mutual Investment Services. Flores is also a commissioned notary public in San Antonio. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Craig Cross is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at CiTIGROUP and Frost Brokerage Services Inc. Craig Cross has worked at MML Investors Services, LLC and MassMutual Life Insurance Co since 2020. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various event-driven planning programs.

Jeffrey Lovas is a financial advisor with Cetera in San Antonio, TX. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Cetera and its affiliated entities since 2005 and operates Lovas Financial, where he provides tax services as a CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Kevin Gray is a CFP® professional with 14 years of experience in the financial advisory industry. He has been with Equitable Advisors since 2012, following prior work at Axa Advisors, LLC. Gray is based in San Antonio, TX. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs delivered through a network of Investment Adviser Representatives and utilizes both firm-offered and third-party advisory solutions.

Guadalupe Gonzalez is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, Guadalupe works directly with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. Guadalupe provides ongoing advice and adjusts strategies as clients' situations change. Guadalupe holds a Bachelor's Degree from the University of Michigan and has earned the Personal Investment Advisor (PIA) designation. This education and credential support Guadalupe's work in financial planning and investment advisory services.