Luz Velasquez is a financial advisor at PNC Wealth Management with 16 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, Bank of America, Merrill, and BBVA Wealth Solutions. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an employee-only pilot that uses algorithmic risk assessment and primarily invests in mutual funds and ETFs with annual rebalancing.

Tyler Chandler is a financial advisor with Empower Advisory Group in Houston, TX, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He previously worked at GWFS Equities, Wells Fargo Clearing, and Wells Fargo Bank, N.A. Outside of his advisory role, Tyler owns and operates Chandler Carpet Care, a carpet cleaning business. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm offers integrated services connected to Empower’s recordkeeping platforms and emphasizes long-term portfolio returns with an optional managed account solution.

Oscar Gutierrez is a financial advisor with Transamerica Financial Advisors in Houston, TX, holding Series 63 and Series 65 licenses and with 24 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has prior experience with Wfg dating back to 2001. Additionally, Gutierrez operates a separate business as a certified trainer specializing in personal leadership. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individuals, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers across multiple platforms, managing approximately $1.7 billion in regulatory assets under management.

Robert Massa is a financial advisor at Prime Capital Financial with 23 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Massa has worked at Prime Capital Investment Advisors since 2017 and previously spent seven years at Ascende Wealth Advisers and Employee Benefit Solutions. Prime Capital Financial is an SEC-registered enterprise advisory firm that serves individuals, trusts, corporations, and retirement plans through asset management, financial planning, qualified retirement plan services, and third-party manager selection. The firm employs a variety of investment strategies and offers family office services, tax advisory through an affiliated subsidiary, and consolidated reporting for complex financial holdings.

Andrew Wood is a financial advisor with Valic Financial Advisors in Houston, TX, holding the Series 66 designation and having 10 years of industry experience. His prior firms include Axa Advisors and AGIA, where he is also involved in selling non-securities insurance products. Valic Financial Advisors is an SEC-registered adviser and FINRA-member broker-dealer serving U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large advisor network, employing discretionary unified managed accounts with tax-aware and ESG overlay options.

Bryant Tzul is a financial advisor at Valic Financial Advisors with one year of industry experience. He holds a Series 66 designation and previously worked in various roles including at Parawest Management and Luminate Financial. In addition to his advisory work, he is appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and unified managed accounts through a large network of advisors. The firm manages substantial assets and utilizes centralized technology and model solutions as part of its investment approach.

Zhizhi Ma is a CFP® professional with 29 years of experience in the financial services industry. She is currently with Ameritas Advisory Services, LLC and has held roles at MIG-MA Investment Group and Ameritas Life Insurance Corp. Ma is also licensed as an independent insurance agent specializing in fixed insurance products. Ameritas Advisory Services, LLC provides advisory and planning services to a diverse client base, including individuals, retirement plans, and charitable organizations. The firm employs a range of investment strategies, utilizing model portfolios, mutual funds, ETFs, and individual securities, supported by multiple program platforms and third-party technology.

Travis Rhoad is a CFA® charterholder and holds a Series 65 license with 12 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, having previously worked at Trippon Wealth Management Group LLC for 13 years. Outside of his advisory role, he is also licensed to sell life and health insurance. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active managers, overseen by an internal Investment Committee.

Juan Montoya is a financial advisor at PNC Wealth Management with 13 years of industry experience. He holds a Series 66 designation. His prior work history includes roles at Bank of America, Merrill Lynch, and J.P. Morgan Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an employee-only digital discretionary model account that uses algorithmic risk assessment and implements approved model strategies via mutual funds and ETFs.

Donovan Mcgowen is a financial advisor with Valic Financial Advisors in Houston, TX, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with Valic Financial Advisors since 2016 and has also worked with Agia since 2022. Outside of his advisory role, he works as a delivery driver for Shipt and is an agent offering non-securities insurance products. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large network of advisors and utilizes centralized technology and model solutions to manage approximately $29.2 billion across nearly 300,000 clients.

Gerardo Pena Magana is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and UBS Financial Services. He is a board member of ERAT North America LLC, a manufacturing business. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and other clients with a wide range of programs, including discretionary and non-discretionary portfolio management, financial planning, and consulting services.

Stanley Robare is a CFP® professional with 17 years of experience in financial advising. He is currently with Osaic Advisory Services, LLC and has previously worked at Triad Hybrid Solutions and Triad Advisors, Inc. He also manages The Robare Group, a separate advisory practice focused on asset allocation and client portfolio review. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base including individuals, pension and profit-sharing plans, corporate and charitable entities, as well as sovereign wealth funds. The firm offers a variety of investment programs, retirement plan consulting, and access to alternative investments, utilizing both fundamental and technical analysis in its strategies.

James Vance is a financial advisor with Valic Financial Advisors in Houston, TX, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked at Valic Financial Advisors since 2018 and has been an agent at Agia since 2022, where he is involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, using Envestnet-developed UMA models to construct client portfolios.

Estephania Vazquez Ramirez is a financial advisor at Valic Financial Advisors in Houston, TX, with one year of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Universal Processing and World Financial Group. She is also appointed as an agent to sell non-securities insurance products. Valic Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors and leverages centralized technology and third-party model managers.

Dereik Smith is a financial advisor with Valic Financial Advisors in Houston, TX, holding Series 63, 65, and 66 designations and bringing 20 years of industry experience. His prior roles include positions at Scottrade/TD Ameritrade and Greater Houston Partnership. He is also involved with Prevail Athletic Training, where he has been active for nine years. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers a range of investment advisory and financial planning services through a large network of advisors, utilizing discretionary unified managed accounts and centralized technology solutions.

Joseph Armstrong is a financial advisor with GWN Securities Inc. in Houston, TX, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Armstrong also serves as a notary public, providing this service to clients when delivering trust documents. GWN Securities is an SEC-registered investment adviser and broker-dealer that offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios for individual and business clients. The firm operates a large network of advisors and manages billions in assets, delivering advice through a variety of managed-account programs and model portfolios.

Vernon Perry is a CFA® charterholder with 20 years of industry experience, currently serving at Sarofim International Management Co. in Houston, TX. He has worked at Fayez Sarofim & Co. since 2013. Sarofim International Management Company provides discretionary investment management primarily to non-U.S. institutional clients, including pension plans, retirement systems, endowments, and insurance companies, while also serving corporations, small businesses, and individual accounts. The firm emphasizes fundamental research and manages equity and fixed-income portfolios with a focus on capital preservation, low turnover, and a bottom-up investment process.

Diana Williams is a financial advisor with Valic Financial Advisors who holds Series 63 and Series 66 licenses and has four years of industry experience. Her prior roles include positions at Fidelity Investments, RIA Advisors, and Ameriprise Financial Services Inc. She is the owner of Raydarian Notary Service, a notary business planned to begin operations in late 2025. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Martin Ferguson is a financial advisor with Kestra Advisory, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Kestra Advisory since 2018, previously serving at Kestra Investment Services and Investment Professional Inc. Ferguson is also an owner of Kestra Advisory Services, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and advisor-managed accounts, supporting its clients with due diligence across a variety of investment solutions.

Aleasia Thomas is a Series 66-licensed advisor with Valic Financial Advisors in Houston, TX, holding four years of industry experience. She previously worked at Travelers Insurance Company for 23 years and has been involved with Agia since 2022. Outside of financial advising, she is a partner in People First Medical Supply, a retail medical equipment business, where she handles accounting and limited sales. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors and utilizes discretionary unified managed accounts with centralized technology and model solutions.