Ryan Manalili is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation. Prior to his current role, Manalili had periods of full-time education and worked briefly at Strawberry Farms Golf Club and DoorDash. Charles Schwab serves a large client base, 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 advisory relationships with access to discretionary separately managed accounts managed by an affiliate and offers multi-asset model portfolios supported by research from its Schwab Center for Financial Research.

Randall Mceachern is a financial advisor at Raymond James & Associates with 46 years of industry experience. He has been with Raymond James & Associates since 2012 and holds a Series 63 designation. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Lorik Heilman is a financial advisor with Fidelity Investments in Austin, TX, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked with Mobile Loaves and Fishes. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Jennifer Sugden is a Series 66 licensed financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Morgan Stanley and Merrill, with recent experience at University Federal Credit Union. 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 offers a wide range of advisory and brokerage services, including financial planning and institutional platforms, supported by a large network of investment adviser representatives.

Christian Arroyo is a financial advisor with Osaic, holding a Series 66 designation and three years of industry experience. Prior to joining Osaic, he worked at Fidelity Investments and has held various roles in sports and hospitality organizations, including the PGA Tour and several golf clubs. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and a platform that supports diverse investment programs and client types.

David Wirt is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2017. Prior to joining J.P. Morgan, he worked at VALIC Financial Advisors, Inc. from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and includes expertise in derivatives and commodities through its broader regulatory registrations.

Carolina Ospina is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Justin Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management with over ten years of experience in the financial advisory industry. He specializes in working with high net-worth individuals, business owners, and corporate executives, providing customized financial solutions tailored to clients' risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. His expertise encompasses executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. Justin holds a Bachelor's Degree from the Texas State University System and holds professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He focuses on a goals-based approach to wealth management, emphasizing transparency, frequent communication, and high standards of customer service. His services include investment advice, retirement planning, estate planning, risk management, liabilities and credit, cash flow analysis, and business succession planning. Outside of his professional work, Justin enjoys spending time outdoors with his wife, Erin, and their children, Sloan and Max. His personal interests include baseball, fishing, golfing, hiking, running marathons, and traveling. He values the opportunity to positively impact the lives of his clients and their families through comprehensive financial planning.

Justin Montandon is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of his advisory role, he owns Montandon Cattle Co., a cattle and livestock business, and is involved in operations management at Montandon And Associates. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, delivering customized, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Stefani Price is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Mass Mutual Investors Services since 2017, as well as MassMutual Life Insurance Company since 2016. Prior to that, she spent 19 years at Metlife Securities Inc. She is also the managing member of a family real estate holding company representing inherited land interests. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Joseph Fisher is a financial advisor at Cetera with seven years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior roles include positions at Voya Financial Advisors, Inc. and AXA Advisors. Outside of financial advising, he is also a content creator in the gaming space as a Twitch streamer. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services supported by a large network of over 10,000 advisors.

Kyle West is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2021. He partners with clients and their families to develop customized financial plans tailored to their personal needs. Kyle focuses on identifying both short-term and long-term goals to build and improve financial plans, maintaining ongoing communication throughout the process. Kyle has been with Fidelity Investments since 2015, progressing through roles including Investment Consultant, Relationship Manager, Retirement Solutions Representative, and High Net Worth Associate. He holds an Arkansas Insurance License, supporting his work with clients. Outside of his professional responsibilities, Kyle has interests in food, golf, movies, and traveling.

Bruce Bessner is a CFP® with 38 years of industry experience, currently serving at Osaic since 2025. His prior experience includes roles at Lincoln Financial Securities Corporation, New England Securities, MSI Financial Services, and others. Outside of advisory work, he is a board member and treasurer of the Central Texas Community Foundation and serves on the finance council board of St. John Vianney Church as well as nonprofit boards related to equine-assisted therapy. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment process with various portfolio management options and is notable for its scale, affiliate network, and integration of multiple custodial and legacy program arrangements.

Sebastian Yates is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, he held roles at Procter & Gamble and several companies in the food service industry. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a wide array of advisory programs supported by structured discovery processes and advanced planning tools.

Gabriel Loehr is a financial advisor at Fidelity with six years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Equitable Advisors and Dell Technologies EMC. Outside of advisory work, he has also worked as an independent contractor for DoorDash. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios based on long-term asset allocation benchmarks.

Carissa Mc Clintock is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. She has been with Charles Schwab since 2015 and currently works at Charles Schwab Bank, SSB. 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 offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with due diligence on alternative investments and centralized operational support.

George Caviedes is a Series 66 licensed advisor with J.P. Morgan Securities, where he has worked since 2024. He has over 19 years of experience with JPMorgan Chase Bank, N.A. and is also the owner of Mozzafiato Homes LLC, a residential interior design and remodeling consulting business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research with forward-looking capital market assumptions.

Grace Freund is a Series 66 licensed financial advisor with LPL Financial in Austin, TX, with one year of industry experience. Prior to joining LPL, she worked at The Walt Disney Company and has experience in catering and retail markets. She studied and worked at Purdue University for five years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing a range of strategic and tactical investment options supported by technology tools.

Adam Warren is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked with Equitable Advisors, LLC. There are no notable outside activities listed. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative annual financial planning engagements using firm-approved software and offers specialized planning programs including divorce planning and estate settlement.

Nicholas Vandermolen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at Pruco Securities LLC and Henderson Selections LLC. Fidelity, through its Strategic Advisers LLC unit, provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.