Robert Hendrix is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Oppenheimer & Co Inc and Robert W Baird & Co. He is based in Houston, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christopher Moreno is a financial advisor with Merrill in Houston, TX, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held roles at State Farm Insurance Companies and the University of Houston. Outside of his advisory role, Moreno serves as a committee member and official referee for the United States Wheelchair Rugby Referee Association. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Saunders is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing informed investment guidance. David completed his high school education at Spring Branch High School, earning his diploma. He applies his expertise to support clients in managing their wealth and making sound financial decisions.

Jared Harville is a financial advisor with J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been with JPMorgan Chase Bank and JP Morgan Securities LLC since 2014. 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 within a non-discretionary program. The firm’s advisory process integrates quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Hillary Naeve is a Series 66-licensed financial advisor with 16 years of industry experience, currently affiliated with J.P. Morgan Securities in Houston, TX. Her career includes roles at JPMorgan Chase Bank, N.A., LPL Financial, and RBC Capital Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research, and the firm maintains regulatory registrations that support broader derivatives and commodities capabilities.

Chandra Minick is a financial advisor with Merrill, holding a Series 66 designation and over 21 years of industry experience. She has worked at Merrill for a total of 25 years, with a one-year tenure at RBC Capital Markets in between. 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 range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rudy Soliz Jr. is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Bank, N.A. since 2015. Outside of his advisory role, he is involved in delivery courier work and owns a business called Blessed BeY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven approach incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Debra Denny is a financial advisor at Ameriprise in Houston, TX, holding a Series 66 license with 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2008. Denny serves on the Board of Directors for the Art Colony Association, Inc. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm offers a comprehensive approach combining research, modeling, and tax-efficiency analysis, supported by a centralized consulting team that delivers tailored, non-discretionary recommendations.

Bill Rippey is a financial advisor at Ameriprise in Houston, TX, with 32 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is involved in business ownership through Ronin Services LLC and a member of Pennway Management, both non-investment-related activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Afnaan Khan is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. prior to his current role. 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 through a non-discretionary program.

Bailey Nwaozo is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at Dimensional Fund Advisors and ESPN, as well as at the University of Texas. 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 through a non-discretionary program.

Thomas Huggins is a financial advisor with Raymond James & Associates in Houston, TX, holding a Series 66 designation and 23 years of industry experience. Prior to joining Raymond James in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and governmental entities, offering financial planning and investment consulting through various programs and portfolio management styles.

Francisco Carrillo is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Cetera and Cetera Wealth Services, LLC since 1998. Outside of his advisory role, he is the owner and president of Carrillo Asset Management, LLC, an entity established for tax filing and liability protection. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a diverse range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Robert Gehring is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 designations and possessing 29 years of industry experience. He has been with Morgan Stanley since 2009, including 11 years at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

Omar Azeez is a financial advisor with Mass Mutual Investors Services in Houston, TX, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Mass Mutual Investors Services since 2013 and also works with MassMutual Life Insurance Company since 2012. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing a collaborative planning process that uses firm-approved software to analyze client goals and deliver written recommendations.

Krystal Cruz is a financial advisor at Morgan Stanley in Houston, TX, holding a Series 66 designation with 16 years of industry experience. She has been with Morgan Stanley for 18 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to both individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Christopher Phillips is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank NA from 2012 to 2017. Outside of his advisory role, he is involved in real estate through Cochran Phillips Real Estate LLC, which he has co-owned since 2010. 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 offers a broad range of brokerage and advisory solutions and manages substantial assets while leveraging research and analytics to support investment decisions.

John Moore is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at several firms including JP Morgan Chase Bank, Nextgen Growth Partners, and the University of Iowa. 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 incorporates quantitative and qualitative research, and their offerings include broader derivatives and commodities capabilities.

John Hinman is a financial advisor with J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes roles at UBS Financial Services, RBC Capital Markets, and multiple positions within JPMorgan entities since 2000. Outside of his advisory work, he is involved in agriculture as the owner and partner of JFH Beef, where he raises cattle for sale. 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. The program emphasizes a combination of quantitative and qualitative due diligence and incorporates ESG criteria within its eligible investment strategies.

Laura Rahlfs is a CFP®-designated financial advisor with LPL Financial, based in Houston, TX, and has 34 years of industry experience. She previously worked at A. G. Edwards & Sons, Inc. before joining LPL Financial in 2007. Rahlfs also sells term life insurance and long-term care insurance as part of her financial planning services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.