Nicole Ramirez is a Series 66-licensed financial advisor with Equitable Advisors in Dallas, TX, where she has worked since 2006. She has 19 years of industry experience and previously worked with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Matthew Gournay is a CFP® with 35 years of industry experience, currently serving with LPL Financial since 2020. Prior to joining LPL, he worked at Woodbury Financial Services for five years. He is also involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and consulting services supported by proprietary research and third-party subadvisors.

Seth Sartain is a CFP® with six years of industry experience, currently serving as a financial advisor at LPL Financial in Allen, TX. Prior to his current role, he worked with Ricker Retirement Specialists and Elite Financial Management, both affiliated with LPL Financial, and spent six years with Lovejoy Independent School District. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Heather Mc Daniel is a financial advisor with Equitable Advisors in Plano, TX, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at Equitable Advisors since 2017, previously affiliated with Axa Advisors and SIUe. Outside of her advisory role, she serves as Marketing Director for the LPGA Amateur Golf Association. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutions, providing financial planning, broker-dealer services, and access to third-party asset management programs. The firm participates in LPL-sponsored programs and offers both discretionary and non-discretionary advisory services.

Jeffrey Minucci is a CFP® professional with 25 years of experience in the financial services industry. He currently works with LPL Financial and has previously been associated with Securities America Advisors and OSAIC. Outside of his advisory role, he is a business owner of Pet Evolution. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management as well as model portfolios and research from multiple sources.

Dewayne Bell is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and one year of industry experience. He previously worked at Bank of America, N.A. and has involvement with Crossmovement Progression, a real estate investment business he owns. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Michael Mulvihill is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2017, progressing through various positions including Portfolio Specialist, Client Management Representative, Personalized Planning & Advice Associate, Central Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate. Michael is a CERTIFIED FINANCIAL PLANNER™ and focuses on partnering with clients to develop financial plans tailored to their individual goals. His practice emphasizes trust, integrity, and transparency as foundational values in guiding clients through different market conditions to achieve their financial objectives.

Patrick Wilker is a financial advisor at Thrivent Investment Management with 18 years of industry experience. He holds a Series 66 designation and has previously worked at U.S. Bancorp Investments, Inc. and Ameriprise Financial Services, Inc. Wilker has been with Thrivent since 2021. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various topics, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Ramona Locke is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in retirement benefits consulting for corporate retirement plans. She also serves as a Global Institutional Consultant, providing investment consulting services to institutional clients with complex needs. In her role as a qualified Portfolio Manager, Ramona offers personalized portfolio management that may include individual securities, Merrill Lynch model portfolios, and third-party strategies, with the capability to manage investment advisory accounts on a discretionary basis. Ramona began her career with Merrill Lynch Wealth Management in 1980 in the Pittsburgh office. She holds a Bachelor of Science and a Master of Science from the University of Pennsylvania. Her professional designations include Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (C(k)P), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She has been recognized on the Financial Times 401 Top Retirement Plan Advisors list from 2016 through 2020. In addition to her advisory work, Ramona has been involved in community and educational activities. She serves as Vice Chair of the Foundation Board for Ursuline Academy of Dallas and is a member of professional organizations including ASPPA, the Investments & Wealth Institute, and NAPA. She also contributes to financial education as an Adjunct Professor teaching Financial Literacy at Texas Christian University.

Gerald Pierce is a CFP® professional with 27 years of experience in the financial industry. He has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Qingyi Mark Liang is a financial advisor with Cetera, holding a Series 66 credential and 16 years of industry experience. He has been with Cetera and its affiliated entities since 2015 and is based in Plano, TX. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management services and operates as a multi-manager platform, allowing advisors to use affiliated or third-party managers or develop custom strategies across various program structures and custodial relationships.

Rachel Kelly is a financial advisor with Merrill in Dallas, TX, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Merrill since 2019 and previously held roles at PFS Investments Inc, Life Time Fitness, and Primerica Financial Services. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jesus Romero is a financial advisor at Cetera with 17 years of industry experience and holds the PFS™ and Series 63 credentials. Prior to joining Cetera in 2025, he was affiliated with Avantax Insurance Agency and Avantax Investment Services for 10 years and has operated his own CPA firm since 2012. Outside of his advisory role, he is involved in community activities including serving as treasurer for the Sachse Lady Mustang Athletics Booster Club and the Landon Hilario Foundation, which supports minority and economically challenged youth in golf. He also owns a tax preparation and accounting firm and has developed a mobile app to track tax returns in his office. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services under various program structures, leveraging affiliated and third-party managers.

Kenneth Poskey is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His work history includes roles at Cetera Investment Services LLC, Regions Bank, Elliott Electric Supply, and Texas A&M University. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and retirement services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Travis Ferguson is a financial advisor at Wells Fargo Advisors in Dallas, TX, holding Series 63 and Series 65 registrations with 16 years of industry experience. He has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including niche areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations.

Hannah Wilson is a financial advisor at Wells Fargo Clearing in Dallas, TX, holding a Series 66 designation. She joined Wells Fargo in 2022 and has prior experience working at The University of Texas at Austin and Ray Braswell High School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, with a focus on research-driven investment strategies and diversified portfolio approaches.

Jeffrey Bellinghausen is a financial advisor with Ameriprise in Richardson, TX, holding a Series 63 designation and bringing 36 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advisory work, he is involved in managing his own advisory business through JKB Alliance LLC and participates in a business ownership venture that rents office space. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income services that provide detailed planning and advice focused on income reliability and tax-efficient withdrawal strategies.

Mark Wright is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves on the Endowment Committee of Keller United Methodist Church. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and discretionary plan-level investment selection, with a broad range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Ryan Seibert is a financial advisor with Edward Jones in Allen, TX, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked in the automotive sector at Christian Brothers Automotive McKinney, Red River Auto, and Mercedes-Benz McKinney. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Robert Robles III is Senior Resident Director and Wealth Management Advisor at Merrill's McKinney office. In this role, he partners with individuals including families, executives, and business owners to simplify and optimize their financial lives. He leads a wealth management practice that delivers coordinated family-office style care, focusing on understanding clients' goals, values, and concerns to provide proactive financial solutions. Robert's expertise includes college education planning, executive and equity compensation, family wealth management strategies, legacy planning, and socially responsible investing, among other areas. He emphasizes a relationship-first approach, beginning each client relationship with in-depth conversations to develop customized strategies. His team provides high-touch personal service and acts as a central point connecting clients with tax and legal professionals. Additionally, as Resident Director, Robert mentors other advisors, supporting their professional and personal development. Robert holds a bachelor's degree from New York University Stern School of Business and has earned professional designations including Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®), and Chartered Retirement Planning Counselor™ (CRPC™). He resides in McKinney, Texas with his wife Melissa, their children, and their Italian Greyhound. Outside of work, he engages in sailing, clay target sports, car rallies, Spartan and Tough Mudder races, and spending time with his family. Robert is involved in community organizations including the 9/11 Day Foundation, Frisco ISD Watch Dogs, and the NJ Mental Health Association.