Robert Martin is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Merrill and Bank of America since 2018 and was previously with Citigroup Global Markets from 2012 to 2018. Outside of his financial career, he participates periodically with the Page Parkes Center of Modeling & Acting, assisting with auditions for commercials and print ads. Merrill, along 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 supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Glenn Welch is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Ernest Trevino is a CFP®-designated financial advisor with Wells Fargo Advisors in San Antonio, TX, bringing 26 years of industry experience. He has worked within Wells Fargo’s financial services since 2009, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Trevino is also the owner of Mission Asset Advisors LLC and serves as trustee for its 401(k) plan. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options tailored to clients meeting a net-worth threshold. The firm utilizes in-house research and planning tools to support tailored client recommendations, with optional implementation through its brokerage or advisory programs.

Andrew Hedrick is a CFP®, ChFC®, and Series 63-licensed financial advisor with 25 years of industry experience. He has been with Edelman Financial Engines since 2016 and previously worked at Tmfs Advisors, LLC from 2013 to 2016. He is based in San Antonio, TX. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Clifton Barnes is a financial advisor at Osaic Wealth Inc. in San Antonio, TX, with 14 years of industry experience. He holds a Series 66 designation and operates C.R. Barnes Wealth Management, providing financial advising services. Barnes is also involved in an accounting and tax practice through Monte R. Barnes FTC Inc. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services utilizing firm-provided asset-allocation tools, risk-tolerance assessments, and a variety of investment products and third-party managed accounts.

Timothy Escobar is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Escobar also serves in the U.S. Army Reserve and is a board member of a flying club. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market estimates to assist its clients.

Valerie Boggs is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009. 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 and profit-sharing plans, corporations, and charitable organizations.

Joseph Cortez is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and small business strategies. With over eight years of experience, Joseph is dedicated to providing clients with first-class financial services and working closely with families to help them achieve their important life goals. Joseph holds a Bachelor's Degree from the University of Texas System and a Master's Degree from Saint Mary's University of San Antonio. He has earned the Personal Investment Advisor (PIA) designation, reflecting his professional expertise in investment advisory services. Outside of his professional work, Joseph has interests in baseball, basketball, fishing, and football.

David Ballard is a financial advisor at LPL Financial with 34 years of industry experience. He holds the ChFC® and Series 63 credentials. Prior to joining LPL Financial in 2021, he held roles at Waddell & Reed, Inc. for 30 years and has been involved with Trinity Baptist Church and Biblical Leadership For Excellence in various capacities over the past decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies.

Sebastian Barraza is a financial advisor with Fidelity in San Antonio, TX, holding a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked at Redwood Residential and held various roles in other companies. Outside of his advisory work, he is an independent contractor assisting with real estate leasing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Sylvia Armendariz is a financial advisor with Merrill in San Antonio, Texas, holding Series 63 and Series 65 licenses. She has 16 years of industry experience and has been with Merrill since 2014. Outside of her advisory role, she is a general partner in a for-profit partnership selling purses and accessories. Merrill, along 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 various client types including individuals and institutions.

Cynthia Vail is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has been associated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of her advisory role, she previously owned a travel business from 2007 to 2011. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selective separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap-fee structure as part of its investment approach.

Javier Perez Jr. is a financial advisor with MassMutual Investors Services in San Antonio, TX, holding a Series 66 designation and four years of industry experience. Prior to joining MassMutual Investors Services, he worked with MassMutual Insurance Company and has been the founder of Seven Ages Media, a media consulting and production company, since 2018. His media work includes enhancing social media strategies and producing and editing content. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning processes.

Christopher Saunders is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1998. Outside of his advisory role, he serves as Vice President of the Chi Delta Tau Foundation, where he is involved in providing scholarships for Trinity University students and managing the endowment’s investment policy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services utilizing structured discovery processes and firm-approved tools.

Jimmy Hoyt is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he is an ordained minister with the Universal Life Church Ministries and has occasionally presided over wedding ceremonies without compensation. Charles Schwab & Co., Inc. serves primarily 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 combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and extensive research, delivering services at a large scale with integrated operational capabilities.

Geovanni Hosang is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has been with Primerica Advisors since 2006 and concurrently works with the Department of Veteran Affairs since 2007. Outside of his advisory role, he is a licensed Medicare insurance agent, a notary public, and is involved in various independent business activities including inspection services and brand management. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with trading and custody services facilitated by Pershing and Primerica Brokerage Services.

Patrick Carney is a CFP® with 37 years of industry experience currently advising at Raymond James & Associates. His prior roles include positions at Ameriprise and Wells Fargo Advisors. He serves as Treasurer General on the Board of Directors for OSMTH, a non-investment-related activity. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a broad client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, offering a range of portfolio management styles supplemented by firm research and sub-advisers.

Michael Perrine is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and USAA Financial Advisors. In addition to his advisory work, he provides freelance data analyst services as an independent contractor. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Fredy Tun Cifuentes is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. His career includes multiple tenures at Merrill and roles at JP Morgan Chase Bank, J.P. Morgan Securities, and Bank of America. Outside of his advisory work, he owns and manages landscaping and fence service businesses in Texas and New Mexico, as well as a commercial and residential landscaping project management company. Merrill, along 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 investment strategies tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Kern is a financial advisor at Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Kern is involved in managing a family limited partnership that holds investments. 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 employs structured planning tools and modeling techniques as part of its financial planning process.