Kevin Richardson is a CFP® with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has held prior roles at Charles Schwab & Co., Inc. and TD Ameritrade, Inc. He is based in Westlake, TX. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the SWA program, utilizing Charles Schwab’s asset-allocation models and research tools to tailor recommendations according to individual goals and risk tolerance.

Emilio Garcia is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 credentials and has 20 years of industry experience. He has worked in various consulting, insurance, and financial education roles, including operating several small businesses such as an e-commerce company and an auto rental venture. Garcia is also a certified financial educator and tax preparer. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm provides both advisory and broker-dealer services through proprietary model portfolios and third-party money managers, offering discretionary and non-discretionary investment programs.

Henry Harris is a financial advisor with Money Concepts Capital Corp in Plano, TX, holding Series 63 and Series 66 licenses and over 20 years of industry experience. He has worked with Avantax Advisory Services and operates AltLand and Harris Financial Group, Inc., where he serves as CPA and CEO. Additionally, he is an instructor at Collin College, teaching certified bookkeeping courses. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing about $3.33 billion for nearly 14,700 clients. The firm offers portfolio management, financial planning, and consulting services to individuals, pension plans, trusts, charitable organizations, and corporations, utilizing a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers.

Dennis White is a financial advisor at First Command Advisory Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with First Command in various capacities since 2013. He also owns and operates Dennis B. White Financial Planning, LLC as an independent district advisor. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and monitor model portfolios and select third-party managers.

John Schnorr is a financial advisor with Brookstone Capital Management LLC in Plano, TX, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Brookstone since 2016 and has been self-employed since 2007. Outside of his advisory role, Schnorr is an insurance agent involved in fixed, index, life, and long-term care insurance sales, and he owns a firm that provides 401(k) rollover consulting services. Brookstone Capital Management is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions. The firm offers fee-based asset management and financial planning primarily through discretionary model portfolios, unified managed accounts, and separately managed accounts, supported by a large advisor network and integrated insurance and banking referral channels.

Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and previously at Equitable Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach relies on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Michael Lewis is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Bank of America, Merrill, and Charles Schwab, along with entrepreneurial activities such as Delight Dispensing LLC and D&M Collaboration LLC. He has also been involved with companies like Uber and Lyft in various capacities. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management, utilizing model and customized portfolios within a vertically integrated advisory structure.

Gary Brownfield is a CFP® with 25 years of industry experience, currently affiliated with Commonwealth Financial Network in Plano, TX. He has been associated with Commonwealth since 1999 and operates Gb Financial Services, LLC, a firm involved in securities and insurance activities. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a variety of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support while allowing advisors discretion in portfolio construction and access to proprietary and third-party investment solutions.

Thanh Vo is an advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Thanh worked at Charles Schwab and TD Ameritrade, as well as in roles outside the financial sector at CarMax and World Market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with services tailored to each client’s goals and risk tolerance, and trades executed only with client authorization.

Matthew Mc Coll is a Series 65 licensed advisor at Schwab Wealth Advisory with four years of industry experience. He has worked at Schwab Wealth Advisory since 2025 and was previously employed by Charles Schwab, Mass Mutual, and Turnbridge. Prior to his financial career, he practiced law as an attorney with a JD and LLM. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab & Co.’s asset allocation models and internal research tools to guide investment decisions, with a focus on client authorization for trades and annual portfolio reviews.

Hongli Chen is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc., bringing nine years of industry experience. Chen has worked at Charles Schwab & Co., Inc. since 2023 and previously spent eight years at TD Ameritrade, Inc. Outside of advisory services, Chen manages a rental property in Texas, assisting tenants with their needs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program, offering guidance on asset allocation and investment selection while trades require client authorization. The firm uses Charles Schwab’s proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Randall Crimmings is a CFP®-certified financial advisor with 22 years of industry experience. He currently works with Focus Partners Wealth, LLC and has previously been affiliated with The Colony Group, Buckingham Strategic Wealth, Clintsman Financial Planning, and Fidelity. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with comprehensive wealth management, employing a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, third-party managers, and private funds.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Her background includes roles at Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. 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 uses standard asset-allocation models and internal research tools, delivering tailored recommendations without exercising discretionary trading authority.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials. She has been with Charles Schwab and its affiliated firms since 2025. Prior to her advisory role, her background includes time in education and work at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client-specific recommendations reviewed at least annually.

Adam Cajandig is a financial advisor at Savant Wealth Management with a Series 65 designation and one year of industry experience. His prior work includes roles at Exencial Wealth Advisors, LLC, Bank of America, and 7th Harvest Investments. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management and related services. The firm employs a blended investment approach combining evidence-based asset allocation with actively managed strategies, supported by affiliated accounting, legal, and trust services.

William Gibson is a financial advisor at TIAA-CREF with 16 years of industry experience. He holds a Series 66 designation and has worked at TIAA and TIAA-CREF since 2011. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected with TIAA‑administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing managed account services, and it acts as adviser to a donor-advised fund while operating within a vertically integrated group.

Ian Troutman is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Fisher Investments, VisionPoint Advisory Group, LPL Financial LLC, CX Institutional, and Secrest Blakey & Associates. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals connected with TIAA-managed employer retirement plans, as well as trusts, estates, and small retirement plans. The firm distinguishes between point-in-time planning and ongoing discretionary management and serves as adviser to a donor-advised fund through Charityvest.

Farah Khalfan is a financial advisor at TIAA-CREF with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at TIAA-CREF since 2020. Prior to that, she was employed at JP Morgan Securities LLC and JP Morgan Chase Bank. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers a range of advisory services including model and customized portfolios and acts as adviser to a donor-advised fund.

Andrew Scott is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has nine years of industry experience. His prior roles include positions at Fidelity Investments and Amazon, as well as an extended period at the University of North Texas. Scott has been with Charles Schwab & Co. and Schwab Private Client Investment Advisory since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and research tools to tailor guidance on a range of investment options, with client authorization required for all trades.

Kevonte Clay is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and three years of industry experience. Prior to joining TIAA-CREF, he worked at Bank of America, Merrill, Texans Credit Union, and Woodforest National Bank. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as trusts, estates, and various entities. The firm provides both one-time planning services and ongoing discretionary management through model or customized portfolios and acts as adviser to a donor-advised fund.