Carolyn Brown Simpson is a Series 66-licensed advisor with Merrill in San Antonio, TX, with 16 years of industry experience. She has been with Merrill Lynch since 2007. 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.

John Bendele is a financial advisor at Charles Schwab with 31 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. His prior work includes extensive tenure at USAA in various investment and financial planning roles from 1994 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and centralized custody and operational infrastructure.

Rene Ruiz is a ChFC® credentialed financial advisor with 36 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has worked with Cambridge since 2012 and also operates Nexus Financial Solutions. Outside of financial advising, Ruiz is involved in photography through Nexus Photogenics and owns a tax service. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a mix of proprietary and third-party strategies tailored to client objectives.

James Morgan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and six years of industry experience. He has been affiliated with J.P. Morgan Securities since 2019 and also has a banking background with J.P. Morgan Chase Bank dating back to 2016. His prior experience includes service in the U.S. Navy. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Britton Du Bose is a financial advisor at Edward Jones in San Antonio, TX, holding a Series 66 designation. He has one year of industry experience and previously worked at PwC for three years and Greenscape Outdoors for seven years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Frederick Eldred is a Series 66-licensed financial advisor with Primerica Advisors in San Antonio, TX, and has one year of industry experience. Before joining Primerica Advisors, he worked at Edward Jones and held various roles in the medical and service industries. He is involved with Rhythm Metrix, a business he has been associated with since 2012. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

Charlotte Pawel is a financial advisor with Fidelity Investments in San Antonio, TX, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Wells Fargo. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company, which provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios for intermediary platforms.

Douglas Sehres is a financial advisor at Ameriprise in San Antonio, TX, holding a Series 66 designation with 17 years of industry experience. He previously worked at Planto Roe Financial Services, Minnesota Life Insurance Company, and Securian Financial Services, Inc. Sehres is also involved in independent insurance brokering with a focus on disability income. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide non-discretionary, written recommendation reports delivered in partnership with financial advisors. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Carlin Green is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at Axa Advisors, Dynamic Systems Inc, and Quartr Circle 7 Hotel. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Karen Fagerberg is a financial advisor with Edward Jones in San Antonio, TX, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2016 and previously worked at the YMCA of Greater San Antonio from 2014 to 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

William Fox is a financial advisor with LPL Financial in San Antonio, TX, holding the ChFC® and Series 63 designations and bringing 39 years of industry experience. He previously worked at First Allied Advisory Services and First Allied Securities, Inc. Fox is also involved in mortgage brokerage services through Fox Mortgage Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and technologies such as machine learning to support its investment strategies.

Colton Creamer is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with Morgan Stanley and has previously worked at Bank of America and Merrill. Creamer serves on the investment and finance committees of the Texas Military Institute, a nonprofit organization in San Antonio. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process and diversified investment offerings.

Todd Boggan is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 24 years of industry experience. Prior to joining Merrill in 2022, he worked at Securities America Advisors and Securities America, Inc. from 2017 to 2022, and at WFG Advisors LP and related firms between 2014 and 2017. He serves as an executor for a family estate unrelated to his investment activities. 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 model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Steven Romero is a financial advisor at Fidelity with Series 66 and Series 63 licenses and five years of industry experience. His prior work includes roles at Charles Schwab and ASRC Federal Contractor. He serves as an officer in the U.S. Army Reserve. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Tammy Tyree is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses. She has 32 years of industry experience, including 17 years with Morgan Stanley Smith Barney and 26 years with Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, managing approximately $2.74 trillion in client assets and providing customized financial planning through its Financial Advisors and Estate Planning Strategies Group.

Michael Chansley is a CFP® with 27 years of industry experience, currently serving at Charles Schwab in San Antonio, TX. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he volunteers as a scorekeeper and referee for indoor soccer matches at the Northwoods Ice Center. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated brokerage, custody, and cash-sweep services.

Juan Carlos Bustos Mares serves as a Private Wealth Advisor with Merrill Private Wealth Management, specializing in the Spanish-speaking markets within the USA and internationally. He brings over 15 years of experience to his role, providing tailored financial strategies designed to meet the unique needs of clients across borders. Juan Carlos is fluent in both English and Spanish, which supports his ability to serve a diverse client base effectively. He holds a master's degree in finance and economics from ITESM University, Mexico City, and a bachelor's degree from the same institution. His expertise spans a broad spectrum of financial services, including corporate executive services, executive compensation, family wealth management strategies, institutional consulting, international wealth management, and tax minimization strategies. He also holds the Personal Investment Advisor (PIA) designation. Outside of his professional activities, Juan Carlos enjoys playing tennis, traveling, and volleyball.

Diane Marcus is a Series 66 licensed financial advisor with 17 years of industry experience. She has worked at Citi for 11 years and Ameriprise Financial Services for one year before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Harold Puhl Jr. is a financial advisor at Cetera with 43 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Cetera and its affiliated entity, Cetera Wealth Services, LLC, since 2013. He is also an affiliated person of Financial Network–Landmark Region, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform and various program options under discretionary and non-discretionary authorities.

James Hamilton is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2020, following a decade at USAA in various financial planning and advisory roles. Outside of his financial career, Hamilton serves as an Operations Officer in the Texas Army National Guard, overseeing a battery of 75 soldiers. Charles Schwab serves a large client base, 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 investment guidance and access to discretionary separately managed accounts within an integrated operational structure.