Christopher Saunders is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 1998. Saunders serves as vice president of the Chi Delta Tau Foundation, where he supports scholarships for Trinity University students and contributes to the endowment investment policy. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and offers a range of investment products and services, including wrap programs and relationships with investment companies and private funds.

Jimmy Hoyt is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he is an ordained minister with the Universal Life Church Ministries and has occasionally presided over wedding ceremonies without compensation. 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 a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and extensive research, delivering services at a large scale with integrated operational capabilities.

Geovanni Hosang is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has been with Primerica Advisors since 2006 and concurrently works with the Department of Veteran Affairs since 2007. Outside of his advisory role, he is a licensed Medicare insurance agent, a notary public, and is involved in various independent business activities including inspection services and brand management. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with trading and custody services facilitated by Pershing and Primerica Brokerage Services.

Patrick Carney is a CFP® with 37 years of industry experience currently advising at Raymond James & Associates. His prior roles include positions at Ameriprise and Wells Fargo Advisors. He serves as Treasurer General on the Board of Directors for OSMTH, a non-investment-related activity. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a broad client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, offering a range of portfolio management styles supplemented by firm research and sub-advisers.

Michael Perrine is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and USAA Financial Advisors. In addition to his advisory work, he provides freelance data analyst services as an independent contractor. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Fredy Tun Cifuentes is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. His career includes multiple tenures at Merrill and roles at JP Morgan Chase Bank, J.P. Morgan Securities, and Bank of America. Outside of his advisory work, he owns and manages landscaping and fence service businesses in Texas and New Mexico, as well as a commercial and residential landscaping project management company. 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 tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Kern is a financial advisor at Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Kern is involved in managing a family limited partnership that holds investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Traci Beckwith is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 designations. Based in San Antonio, TX, she provides advisory services within a large institutional firm environment. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and a research-driven investment approach. The firm manages approximately $2.74 trillion in client assets and delivers customized planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Kinnally Jr. is a financial advisor with OSAIC based in San Antonio, TX, holding Series 63 and Series 65 licenses with 25 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Kinnally serves as an investment committee member for the Congregation of the Sisters of Charity of the Incarnate Word and participates on the Capital Campaign Committee of Antonian College Preparatory High School. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes advanced asset allocation tools and multiple investment platforms to provide tailored portfolio management and access to a wide range of investment products.

Thomas Fitzsimmons is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 credentials. 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 employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Tito Shane is a financial advisor with Wells Fargo Advisors in San Antonio, TX, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining his current firm. Outside of his advisory role, he provides bookkeeping services for a family logistics business and owns Shane Wealth Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers tailored recommendations supported by proprietary research and planning tools, with planning engagements that are generally discrete and optional for implementation through various brokerage or advisory programs.

Roger Simmons is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2004. He is based in New Braunfels, TX, and also performs as a French horn player with the Corpus Christi Symphony, Austin Lyric Opera, and occasionally with the Austin Symphony. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement plan consulting services.

Zachary Clark is a CFP® professional with 14 years of experience in the financial advisory industry. He is currently with Cetera and has worked with affiliated entities since 2011. Outside of his advisory role, Clark is a partner and treasurer in several non-investment businesses, including mining and technology distribution companies, and serves as treasurer for a women's ministry organization. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of advisory services through a nationwide network of independent advisors. The firm serves individual and institutional clients using a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Albert Steves V is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the Board of Directors for the Texas Cavaliers and is a member of the investment committee at St. Mark’s Church in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Martin Slechta is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds a Series 66 designation and has one year of industry experience, including prior roles at Frost Brokerage Services and Randolph-Brooks. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Victor Oelsen is a financial advisor at RBC Capital Markets with 42 years of industry experience. He holds Series 63 and Series 66 designations and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to clients' risk profiles.

Andrea Arechandieta is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Andrea is currently based in San Antonio, TX. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Jerrod Fraser is a financial advisor at Wells Fargo Advisors in San Antonio, TX, holding a Series 66 designation with 16 years of industry experience. He has been with Wells Fargo entities since 2016, including nine years at Wells Fargo Clearing and one year at Wells Fargo Advisors LLC prior to his current role. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients who meet a net-worth threshold, using proprietary research and tools to develop customized recommendations.

Rebecca Muehl is a financial advisor at Edward Jones in New Braunfels, TX, holding a Series 66 designation with three years of industry experience. She has been with Edward Jones since 2019 and previously worked in several other fields, including automotive and retail. Outside of her advisory role, Muehl is the owner and Executive Director of The Village: Autism Alliance, a nonprofit organization in New Braunfels. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs and a large national network of advisors and branch offices. The firm manages over $1 trillion in assets and offers both discretionary and non-discretionary investment strategies alongside tax-efficient services.

Harleen Kaur is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at Victory Capital Services, BBVA Securities, Woodforest Bank, Cash America International, and Wells Fargo Bank. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.