Shondra Williams is a financial advisor with TIAA-CREF in Frisco, Texas. She holds the Series 63 and Series 66 designations and has five years of industry experience. Prior to her current role at TIAA-CREF, she worked at Fedex Logistics Hub, the University of Texas at Arlington, and Openroad Lending/Vensure ER Services. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both one-time financial planning services and ongoing discretionary management, using model portfolios or customized portfolios managed under client-approved investment policies.

Bradley Reese is a CFP® and ChFC® with 21 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and has held roles at Charles Schwab and Co., TD Ameritrade Inc., and Merrill. Reese is based in Westlake, Texas. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Itallo Pereira is a financial advisor at TIAA-CREF with Series 66 and Series 63 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, Morgan Stanley, E*Trade Securities, Charles Schwab, and Wells Fargo. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing TIAA retirement plan relationships, as well as to various trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, utilizing model portfolios and customized strategies managed under client-approved investment policies.

Shehroze Zubair is a financial advisor at TIAA-CREF in Frisco, TX, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining TIAA-CREF, he worked at Paycom and in equity investments. He also spent seven years at The University of Oklahoma. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm provides both model portfolio and customized portfolio management under a fiduciary standard within a vertically integrated structure.

Reade Achilli is a CFP® with three years of industry experience, currently affiliated with Schwab Wealth Advisory in Westlake, TX. He has held roles at Charles Schwab & Co., Inc. since 2026 and previously worked at Bank of America and UBS Financial Services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations, with guidance based on proprietary asset-allocation models and research tools.

Blakely Buhler is a financial advisor at TIAA-CREF with two years of industry experience. She holds the Series 66 designation and has prior experience with firms including Wells Fargo, Home Point Financial, Velocio Mortgage, and Citibank. Buhler is based in Frisco, Texas. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm offers model and customized portfolio management under a fiduciary standard and acts as adviser to a donor-advised fund sponsored by Charityvest.

Austin Cantor is a financial advisor at Fifth Third Securities, Inc. based in Frisco, TX, holding Series 63 and Series 65 licenses with three years of industry experience. His background includes roles at Fifth Third Bank and service in the United States Air National Guard. Outside of his advisory duties, he is involved in youth athletic training as a coach and trainer at Athletic Performance Prep. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutions through both advisory and brokerage services. The firm offers a range of investment programs via its Passageway platform, combining third-party portfolio management with advisor-directed models and specialized strategies such as direct indexing and tax-loss harvesting.

Lakyia White is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds the Series 66 designation and has worked in various roles within Charles Schwab & Co., Inc., including Schwab Private Client Investment Advisory and Schwab Wealth Advisory, Inc. Prior to joining Schwab, she held positions at Asset Campus Housing, ReMax Cortiers, Servitas Management Company, Fluent, Zipcar, and Texas A&M University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services focus on asset allocation and investment selection guided by Schwab’s internal research and standard models, with trades executed only with client authorization.

Lydia Geisler is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab in various capacities since 2014. Outside of her advisory role, she manages a rental property in Carrollton, Texas. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is guided by Charles Schwab’s asset-allocation models and internal research tools, with client-approved trade execution and annual account reviews.

Gary Calmes is a CFP® professional with 19 years of experience in financial advising, currently affiliated with Cetera Planning Partners. He has extensive experience through his own firm, Calmes Financial, and has served on the Denton Fire Pension Board since 2014. Outside of his advisory work, Calmes holds board positions at Denton Calvary Academy and the Woman to Woman Pregnancy Resource Center, and serves as an elder at Denton Bible Church. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services that include investment management, comprehensive financial planning, and Social Security optimization. The firm’s investment approach emphasizes diversified allocations using mutual funds and ETFs, supported by integrated ancillary services such as tax planning and estate strategies.

Kristen Duncan is a financial advisor at TIAA-CREF with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, Lincoln Financial Advisors Corporation, and GLP Investment Services. Outside of her advisory role, she assists with the budgeting and expenses of a bakery and catering business that she co-owns. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with ties to TIAA-administered employer retirement plans. The firm offers model and customized portfolio management under a fiduciary standard and also advises a donor-advised fund sponsored by Charityvest.

David Jamison is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has been with Charles Schwab and its affiliated entities since 2011. In addition to his advisory role, he provides financial counseling to members of Paradox Church in Fort Worth, Texas. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with recommendations tailored annually to each client’s goals and risk tolerance.

John Mc Coy is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF, he worked at Equitable Advisors, LLC and has been involved in community activities including the Georgetown Chamber of Commerce and Kappa Sigma Fraternity. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with connections to TIAA-administered employer retirement plans. The firm provides a range of advisory services with a fiduciary standard and operates within a vertically integrated structure utilizing affiliated funds.

Brooke Heidelbaugh is a financial advisor at Focus Partners Wealth, LLC with two years of industry experience. She holds a Series 65 designation and previously worked at Buckingham Strategic Wealth, LLC, Texas A&M University, and Trinity Christian Academy. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach with tax and fee sensitivity, utilizing both active and passive strategies alongside third-party managers and private funds to tailor portfolios to clients' specific needs.

Xin Hao is a CFP® professional with 12 years of industry experience, currently serving with Schwab Wealth Advisory Inc. in Westlake, TX. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co., Inc., Xin worked at Wells Fargo Clearing for eight years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Aaron Frazier is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 65 and Series 63 designations and four years of industry experience. He previously worked at Fisher Investments, Fidelity, Primerica, and Barclays Investment Bank. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm offers both point-in-time planning and ongoing discretionary portfolio management, including customized and model-based portfolios, while operating as part of a vertically integrated group that manages affiliated funds.

Rohan Pritmani is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. His prior roles include positions at Charles Schwab & Co. and work in education and tutoring. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance uses standard asset-allocation models and internal research tools, with recommendations tailored to individual goals and risk tolerance.

Daniel Cummins is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has previously worked at Bank of America Private Bank, TIAA, Wells Fargo Clearing, and Chase Investment Services. Outside of his advisory role, he manages a residential rental property in Irving, Texas. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm’s guidance is based on proprietary asset-allocation models and internal research, with client-specific recommendations reviewed at least annually.

Dyedy Yol is a financial advisor at TIAA-CREF with eight years of industry experience. They hold Series 63 and Series 66 licenses and have previously worked at US Oncology, Inc. and Dallas Zoo, Inc. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm uses a fiduciary standard for its RIA services and offers both model and customized portfolio management within a vertically integrated structure.

Cody Catron is a financial advisor with TIAA-CREF based in Frisco, TX, holding Series 63 and Series 66 credentials and six years of industry experience. His prior work includes roles at Vanguard Advisers, J.P. Morgan Securities, and Wells Fargo. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm distinguishes between one-time planning services and ongoing portfolio management, operating under a fiduciary standard for its advisory services.