Tram Garcia is a Financial Advisor at Merrill Lynch Wealth Management based in San Antonio. She works closely with individuals and families to develop personalized financial strategies that align with their short-, mid-, and long-term goals. Her areas of focus include retirement planning, wealth management, college education planning, employee benefits planning, family wealth management strategies, legacy planning, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Tram provides ongoing guidance to help clients stay on track as their financial needs evolve. Tram holds a Bachelor's Degree from the Royal Melbourne Institute of Technology (RMIT) and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is fluent in English, Vietnamese, and Spanish. In addition to her advising role, she participates in the Bank of America Volunteers Program. Outside of her professional responsibilities, Tram enjoys activities such as billiards, music, pickleball, singing, soccer, spending time with her family, swimming, traveling, volleyball, and watching movies.

Robert Heim is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and delivers services on a non-discretionary basis.

Travis Mayfield is a financial advisor with Morgan Stanley Wealth Management in San Antonio, Texas. He holds Series 63 and Series 66 designations and has 14 years of industry experience. His prior roles include positions at Frost Brokerage Services and Frost Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs including tailored financial planning supported by firm-approved tools and investment modeling.

Adolfo Estrella Jr. is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals, families, business owners, and retirees with comprehensive financial planning, investment management, retirement planning, and workplace retirement plans. His approach focuses on understanding each client's unique priorities and developing tailored strategies that deliver clarity and direction. Originally from South Texas, Adolfo began his career in McAllen, later working in Corpus Christi before establishing his practice in San Antonio. He holds a Bachelor's Degree in Business Administration from the University of Texas Pan American and an MBA from Webster University. Adolfo has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in both English and Spanish, he is a member of the San Antonio Hispanic Chamber of Commerce. In his work, Adolfo aims to build lasting relationships by providing straightforward advice, personalized service, and ongoing guidance through every stage of life. His expertise covers areas such as divorce transition planning, employee benefits planning, legacy and philanthropic planning, tax minimization, retirement income, and portfolio management services. Adolfo integrates various components of clients' financial lives, including investments, retirement savings, business interests, and legacy planning, into coordinated strategies tailored to their goals.

Christian Casillas is a financial advisor with Raymond James Financial in San Antonio, TX, holding a Series 66 designation and one year of industry experience. He has worked with Raymond James Financial and related entities since 2024, as well as Security Service Federal Credit Union since 2022, where he assists with administrative workflow and fixed annuities. Prior to his financial career, he held various roles including positions in the hospitality sector. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools, and is noted for its municipal advisory affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services.

George Marin Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His career includes 18 years at Citi Personal Wealth Management before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. He is also a co-owner of a rental property in Lawndale, California, shared with his siblings. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Virginia Raborn is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. Outside of her advisory role, she serves as a board member for the Newcombe Estate Property Owners Association in New Braunfels, Texas. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Steven Fitzsimmons is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Sandra Deskin is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley since 2009 and has also worked at Citigroup Global Markets since 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers financial planning through structured processes and firm-approved tools.

James Norman Deitrich Jr. is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. Outside of his advisory role, he is involved with a business named J. Norman Deitrich based in Tybee Island, Georgia. Merrill, together 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.

Yvonne Maniez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. She has been with J.P. Morgan entities since 2012, including roles at JPMorgan Chase and J.P. Morgan Securities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Clarence Wooten Jr. is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and over 41 years of industry experience. He has been with Primerica Advisors since 1984 and Primerica Financial Services since 1982. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Sarah Krogh is a financial advisor at Edward Jones with three years of industry experience, including prior roles at First Command and Judson ISD. She holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Raul Sandoval is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms, including Pensionmark Financial Group and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework and operates within the broader J.P. Morgan broker-dealer and banking organization.

Beatriz Doak is an International Wealth Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting clients to the appropriate people, plans, and processes to address their unique financial ambitions. She assists clients with a range of personal financial goals, including education funding, retirement lifestyle planning, and managing potential health care costs, while creating tailored strategies to support long-term family objectives. Beatriz holds a bachelor's degree from the University A of Guadalajara and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Her approach emphasizes simplicity and transparency in wealth planning, aiming to integrate all aspects of a client's financial life to help prioritize and pursue their most important goals.

Luis Carrillo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity Investments since 2013, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Representative at Northwestern Mutual from 2009 to 2013. Luis's approach to financial consulting emphasizes the importance of creating individualized financial plans. He collaborates with clients to articulate their financial and personal goals and develop comprehensive plans tailored to their unique situations. This collaborative process aims to build strong client relationships based on trust, which he considers essential for addressing clients' evolving financial needs.

Russell Harrison is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and was previously with Citigroup Global Markets. Harrison serves as a board member and 401(k) committee participant at Oak Hills Church. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques while offering a wide range of investment and financial services through its extensive network.

Kendall Villarreal is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. Prior to joining Fidelity, Villarreal worked at HEB and Tomball Ford, and held positions at Texas A&M University and Incarnate Word High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Craig Neeley is a financial advisor at Edward Jones in New Braunfels, TX. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining the firm, he served in the United States Army and the Texas Army National Guard from 2004 to 2026. 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, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Stephen Miranda is a financial advisor with Merrill based in San Antonio, TX, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at JP Morgan Securities LLC and JP MORGAN CHASE Bank N.A. from 2018 to 2022, as well as AllState Insurance and Urban Access Properties. Miranda serves as a board member for the Greater Houston Gay & Lesbian Chamber of Commerce and participates on the Harris County Loan Review Committee, providing oversight to the County Opportunity Fund. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.