Antonio Almaraz is a financial advisor with Wells Fargo Clearing based in Santa Fe, NM, holding Series 63 and Series 66 licenses and 24 years of industry experience. His prior roles include positions at Kirkland Federal Credit Union, LPL Financial, U.S. Bancorp Investments, Compass Bank, BBVA entities, and Morgan Stanley. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Xavier Escobedo is a financial advisor at Merrill in El Paso, TX, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Bank of America, Fisher Investments, Pimco, and Capital Strategies. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amber Rosenthal is a financial advisor with Charles Schwab in El Paso, TX, holding Series 63 and Series 65 licenses and with six years of industry experience. Her prior work experience includes roles at Wells Fargo Clearing, Wells Fargo Bank, and Connects Federal Credit Union. She has also been affiliated with Saint Leo University for over a decade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Susan Morrow is a financial advisor at Edward Jones in El Paso, TX, holding a Series 66 designation. She has been with Edward Jones since 2025 and has prior experience outside the financial industry, including six years at Edith Cowan University and 25 years with Ronald McDonald House Charities WA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services supported by a nationwide network of more than 23,700 financial advisors.

Cristian Martinez is a financial advisor with LPL Financial based in El Paso, TX, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, Cristian is a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

Alyssa Najar is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked in various capacities within Charles Schwab entities since 2022, as well as roles at Temple College, MWA Financial Services, and Modern Woodmen of America. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of brokerage, custody, and advisory services. The firm employs a mostly non-discretionary client relationship model alongside access to discretionary separately managed accounts and utilizes multi-asset model portfolios with strategic asset allocation.

Kristy Mcgee is a financial advisor at Raymond James & Associates with 25 years of industry experience and holds the Series 66 credential. She has been with Raymond James since 2016. Outside of her advisory role, she occasionally contributes creative ideas and design input to a small digital design business operated by her husband. 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, and public entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Charles Lambeth is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corporation for 28 years. In addition to his advisory role, he offers accident and health insurance, disability insurance, fixed annuities, health savings accounts, and traditional life insurance as a licensed agent. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a focus on asset allocation, risk tolerance, and efficient-frontier analysis, offering a range of investment options managed on discretionary or non-discretionary bases.

Kyong Peterson is a financial advisor with Raymond James Financial Services Advisors, Inc. in El Paso, TX, holding Series 63 and Series 65 credentials and 22 years of industry experience. Prior to joining Raymond James, Peterson worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of advisory work, Peterson serves on the board and investment committee of the YWCA Foundation in El Paso. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm utilizes client-specific risk profiling and analytical tools to deliver tailored, non-discretionary planning and supports municipal and public-finance work through a unique municipal advisor affiliation.

Samuel Edwards is a financial advisor with Wells Fargo Clearing in San Angelo, TX, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 approach is IPS-driven and based on modern portfolio theory, serving plan sponsors with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Aileen Williams is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses. She has been with Wells Fargo in various capacities since 2016, including roles at Wells Fargo Bank and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Heath is a CFP® professional with 21 years of industry experience. He is currently with Osaic and previously spent 20 years at Lincoln Financial Advisors. Outside of his advisory role, Heath owns and leads 10 Key Consulting, LLC, which offers various insurance products and group benefits. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, and institutions through a large network of advisers. The firm provides integrated brokerage and advisory services with a range of portfolio management options supported by advanced asset-allocation tools.

Richard Joens is a financial advisor with Merrill in El Paso, TX, holding a Series 66 designation and 21 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006, following a year at Morgan Stanley DW Inc. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julio Rivera is a financial advisor at Wells Fargo Clearing in El Paso, TX, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Thornburg Investment Management and Thornburg Securities LLC. Rivera also worked as an independent contractor life insurance broker with Family First Life, from which he continues to receive commissions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kristine Marcum is the Senior Resident Director at Merrill, where she provides financial solutions and guidance to clients, teammates, and the community. She has been working in the financial advisory field since August 2000, serving individuals, business owners, families building wealth, and retirees. Kristine holds a Bachelors degree in interdisciplinary studies and a Masters degree in education, both from the University of Texas at El Paso. She possesses several FINRA registrations, including Series 7, Series 9, Series 10, Series 31, and Series 66, and holds professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her expertise includes college education planning, divorce transition planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management services, small business strategies, and women and wealth. She is actively involved in community organizations, including Borderplex Alliance, CASFV, El Pasoans Fighting Hunger, Executive Forum, Kids Excel El Paso, and YWCA Paso Del Norte Region. Kristine enjoys spending time with her blended family, which includes her husband Alfonso, three sons, a daughter, and three grandsons. Her personal interests include baseball, cooking, dancing, football, reading, traveling, and watching movies.

Malinda Martin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 29 years of industry experience. Her prior roles include positions at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and Compass Bank. She is based in El Paso, TX. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Martin Gutierrez is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, including the period when the firm operated as Axa Advisors. Outside of his advisory role, Gutierrez owns MG Financial Services, a financial and insurance consulting business. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a variety of asset management programs through a network of Investment Adviser Representatives, utilizing both firm-sponsored and third-party advisory programs.

John Chamales is a financial advisor with J.P. Morgan Securities in El Paso, TX, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2010. Outside of his advisory role, he has been involved with EP Wings and the EP Wings Parachute Demonstration Team. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage, distribution, and investment management capabilities.

Timothy Kilpatrick is a financial advisor with Wells Fargo Advisors in El Paso, TX, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2009. Outside of his advisory work, he performs as a jazz guitarist in a local quartet. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a wide range of investment and financial planning services. Advisors develop tailored recommendations using Wells Fargo’s research and planning tools, providing discretionary or non-discretionary implementation options through brokerage or advisory programs.

Miguel Huerta is a financial advisor at J.P. Morgan Securities with five years of industry experience and holds the Series 66 designation. His prior work experience includes over a decade in the beverage industry before joining J.P. Morgan in 2020. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.