Valery Capuchino is a financial advisor with LPL Financial in McAllen, TX, holding a Series 66 designation and three years of industry experience. She has been with LPL Financial since 2016 and also has a background working at IBC Bank since 2013. Outside of advising, she operates a small home-based balloon decoration business and is a Farmasi beauty and personal care products influencer. 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 financial planning, model portfolios, and institutional platforms, supporting over $819 billion in discretionary assets through a large network of advisors.

Alexis Villarreal is a financial advisor with LPL Financial in McAllen, TX, holding a Series 66 credential and 14 years of industry experience. Prior to joining LPL Financial in 2024, Alexis worked at Ameriprise and Edward Jones. Outside of advisory work, Alexis is involved in independent insurance brokering. 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 financial planning and investment management services through a large network of advisors, utilizing diverse strategies and technology tools across advisory and brokerage platforms.

Erika Marquez Torres is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 12 years of industry experience. Her career includes positions at Merrill and Wells Fargo Clearing. 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 for a range of clients including individuals, high-net-worth investors, and institutions.

Sarahly Ramos is a financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2014 and holds the Series 66 designation. Outside of her advisory work, she manages administrative responsibilities for The Wash Crew Exterior Cleaning, a business she has been involved with since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets services.

Veronica De La Rosa is a financial advisor at LPL Financial with 17 years of industry experience. She holds a Series 63 designation and has worked at Frost Bank and its affiliated firms from 2006 to 2018 before joining LPL Financial in 2018. She is also a notary and involved with iBursa, LLC, a non-investment related business entity for tax and investment purposes. 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, and participant-level retirement advice, supported by a large network of investment adviser representatives.

Bryan Mendoza is a financial advisor with J.P. Morgan Securities in Edinburg, TX, holding a Series 66 credential and six years of industry experience. His work history includes roles at Mass Mutual Life Insurance, Edward Jones, and JPMorgan Chase. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Saul Navarro is a financial advisor with Edward Jones in Mission, TX, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at JPMorgan Chase Bank for 10 years and Bank of America for 5 years before joining Edward Jones in 2024. 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 and investment strategies and is notable for its extensive network of financial advisors and affiliated financial services.

Jose Cruz is a financial advisor with LPL Financial in McAllen, Texas, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with LPL Financial since 2008 and concurrently works with IBC Bank since 2007. Outside of his advisory work, he is involved in managing personal business entities for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning and investment solutions through a network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Manuel Heredia is a financial advisor with UBS Financial Services in McAllen, TX, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with UBS since 2014 and previously with Chase Investment Services Corp. from 2004 to 2012. Outside of his advisory role, he is involved in real estate through several entities that manage property sales and rentals. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory products, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and supports its advisors with proprietary research and capital market insights.

Krista Cuevas is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. Her prior work includes positions at Bank of America, N.A., South Texas College, and Heb. Outside of finance, she owns a photography business called Krista Lee Photography. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cecilia Martinez is a Series 66-licensed financial advisor at Edward Jones with seven years of industry experience. She has worked at Edward Jones since 2018 and previously spent 13 years at Doctor's Hospital at Renaissance. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm offers a range of advisory services and investment solutions supported by a large national network of financial advisors and branch offices.

Drake Barnes is a CFP® professional with 11 years of industry experience, currently advising at Ameriprise in McAllen, TX. He has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a combination of research, modeling, and tax-efficiency analysis to support its advisory services and emphasizes products from affiliated firms.

Mario Gonzalez is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and totaling 27 years of industry experience. He has worked with several firms, including First Allied Securities and Arcus Wealth Advisors, and is involved in insurance sales covering life, health, and disability products. Gonzalez is also a financial professional and owner at Arcus Wealth Advisors, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, from individuals to institutional accounts, through a nationwide network of independent advisors. The firm offers various portfolio management and retirement services, utilizing a multi-manager platform that includes affiliated and third-party investment models.

Mauro Gonzalez III is a financial advisor with Mass Mutual Investors Services in McAllen, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at MassMutual Life Insurance Company, Nylife Securities LLC, and New York Life Insurance Company. He also works as an insurance broker specializing in life and health insurance. Mass Mutual Investors Services, LLC 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, utilizing firm-approved software and collaborative annual planning processes.

Juan Trevino is a financial advisor with LPL Financial in Edinburg, TX, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He previously worked at Merrill from 1998 to 2009 before joining LPL Financial in 2009. Outside of his advisory work, he serves as an Assistant Scoutmaster for the Boy Scouts of America and volunteers as a Staff Sergeant in the Texas State Guard. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, and third-party asset management, supported by technology tools and a large network of advisors.

Gerardo Mendez Flores is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Vantage Bank Texas. Outside of finance, he is a passive owner of a Bucks Pizza franchise. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver a broad range of services.

Victor Valverde is a financial advisor with LPL Financial, holding a Series 63 designation and over 34 years of industry experience. Prior to joining LPL Financial in 2025, he worked for Next Financial Group, Inc. for 20 years and Raymond James Financial Services, Inc. for six years. He is also involved in non-variable insurance commission trails. 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 range of financial planning and investment management services delivered through a large network of advisors.

George Garza is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial services to individuals, families, and business owners, focusing on creating personalized financial strategies that address investment, retirement, and wealth management goals. He has been serving clients in the financial services industry since 2008, with experience at Chase, Allstate, and Merrill. As a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor (PIA), George emphasizes thoughtful guidance and clear communication in his financial planning approach. He is fluent in both English and Spanish, enabling him to work closely with a diverse client base to help them make informed financial decisions and pursue their long-term objectives. George holds a Bachelor's Degree from the University of Texas Rio Grande Valley and completed an Accredited Certificate Program at The American College of Financial Services.

Natalie Pacheco is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2016, based in McAllen, TX. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Larry Wilson Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He previously worked for Commonwealth Financial Network and Collaborative Insight before joining Raymond James in 2025. Outside of his advisory role, he serves in a voluntary position as a counselor to the local Bishop at The Church of Jesus Christ of Latter-Day Saints in McAllen, TX. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary advice supported by analytical tools and maintains specialized programs including municipal and SIMPLE IRA advisory services.