Victor Ruiz Jr. is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 and Series 63 licenses and has worked previously at Fidelity Investments and New York Life Insurance Company. Outside of financial services, he has been involved with entrepreneurial ventures including Ritual Relax and Cr38tiv Cinematics. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, supported by a manager solutions team.

Angela Caffey is a financial advisor with Morgan Stanley in Austin, TX, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is the proprietor of a business focused on purchasing pre-foreclosed homes. 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 emphasizes a structured planning process using firm-approved tools and modeling techniques.

William Driver is a financial advisor at Fisher Investments with 23 years of industry experience. He has been with Fisher Investments since 2007 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is the owner and president of South Camp Development, LLC, a real estate investment and development business focused on redeveloping 144 acres near Austin, Texas. Fisher Investments provides discretionary portfolio management to a global clientele that includes institutional and high-net-worth clients. The firm uses a centralized investment process combining quantitative and qualitative analysis to manage diversified portfolios with tax-aware strategies and risk management techniques.

Kathryn Stull is a Financial Consultant at Fidelity Investments, a role she has held since 2026. Her professional experience at Fidelity began in 2021, progressing through various positions including Financial Representative, Relationship Manager, and Planning Consultant before her current role. In her capacity as a financial consultant, Kathryn focuses on building strong client relationships by understanding their financial needs and collaborating on tailored financial plans. Her approach emphasizes client confidence and long-term engagement in managing their financial futures.

Dale Huang is a financial advisor with LPL Financial in Austin, TX, holding a Series 66 designation and 18 years of industry experience. His career includes positions at J.P. Morgan Securities, Chase Investment Services Corp., Ameriprise, and Waddell & Reed, Inc. In addition to his advisory work, he is involved in insurance sales through various insurance carriers affiliated with W&R Insurance Agencies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by operational and research tools.

Logan Kerr is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Schwab intermittently since 2018, with prior roles at Kestra Investment Services and Zacks Investment Management. His background also includes experience with SocialMatters.ai and Tender Hearts Homecare Services. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios, strategic asset allocation, and a formal alternative investment program.

Austin Hendricks is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Bank of America, Merrill, and Equitable Advisors. He is based in Austin, Texas. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering integrated advisory, brokerage, custody, and financial planning services. The firm provides a primarily non-discretionary client relationship model combined with access to discretionary separately managed accounts and multi-asset investment strategies.

Luke Gerald is a CFP® with six years of industry experience, currently serving as a financial advisor at Edelman Financial Engines in Austin, TX since 2024. His prior experience includes roles at Northwestern Mutual Wealth Management Company, Fifth Third Securities, and NYLIFE Securities. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, providing discretionary and non-discretionary investment options with an emphasis on diversified portfolios and long-term management.

Secia Zappitielli is a financial advisor at Edward Jones in Austin, TX, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Edward Jones, she worked in life coaching and graphic design through her own businesses, Secia Zapp Coaching and Zapp Design. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management supported by a nationwide network of more than 23,000 financial advisors.

Joanna Payne is a Series 66-licensed financial advisor with Charles Schwab in Austin, TX, where she has worked since 2007. She has 21 years of industry experience. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm combines non-discretionary advisory guidance with access to affiliated discretionary strategies and utilizes multi-asset model portfolios supported by centralized custody and supervisory infrastructure.

George Baird is a CFP® and ChFC® with 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent six years at Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Edward Aoshima is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining LPL Financial in 2025, he worked at University Federal Credit Union, CUSO Financial Services, LP, and Wells Fargo in various roles. He is also a Premier Banking Relationship Manager at University Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, model portfolio programs, and institutional platforms supported by advanced operational tools and a broad network of advisors.

David Dormady is a Certified Financial Planner® (CFP®) with 38 years of industry experience. He is currently with Osaic Wealth, where he has worked since 2023, and previously held roles at Sagepoint Financial, Inc. and Osaic Services, Inc. Dormady is also a member of Dormady Financial LLC, an investment-related business. Osaic Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Jaime Reyes is a financial advisor with Wells Fargo Clearing in Austin, TX. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to his current role, he worked at Wells Fargo Bank, nA and Texas State. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm uses research and analytics from Wells Fargo Investment Institute and third parties, offering both brokerage and advisory solutions.

Thomas Bray is a CERTIFIED FINANCIAL PLANNER™ with 24 years of experience in the financial services industry. He is currently with UBS Financial Services and previously worked for Morgan Stanley and Citigroup Global Markets. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to provide customized financial planning and portfolio management.

Toussaint Carryl is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2013 and previously worked at Adverse Ventures LLC from 2010 to 2016. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custody and operational support.

Scott Schaubhut is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has served in various roles including vice president and treasurer of Ivory Slate, Inc., a janitorial franchise company. Schaubhut also maintains a CPA practice specializing in tax preparation, accounting, and payroll. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, leveraging a network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Mark Livingston II is a financial advisor at J.P. Morgan Securities in Austin, TX, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining J.P. Morgan, he worked in roles related to wildlife conservation and consulting, including positions with the San Diego Zoo Wildlife Alliance and Conservation Centers for Species Survival. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Timothy Osgood is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2012. Outside of his advisory role, he is a partner in a family-owned cabin rental property in Texas. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and financial planning services. The firm uses structured planning tools and research-based models to assist clients, while offering a variety of investment products and strategies through a broad institutional platform.

Robert Frazier Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.