Zachary Clark is a CFP® professional with 14 years of experience in the financial advisory industry. He is currently with Cetera and has worked with affiliated entities since 2011. Outside of his advisory role, Clark is a partner and treasurer in several non-investment businesses, including mining and technology distribution companies, and serves as treasurer for a women's ministry organization. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of advisory services through a nationwide network of independent advisors. The firm serves individual and institutional clients using a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Albert Steves V is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the Board of Directors for the Texas Cavaliers and is a member of the investment committee at St. Mark’s Church in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Martin Slechta is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds a Series 66 designation and has one year of industry experience, including prior roles at Frost Brokerage Services and Randolph-Brooks. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Victor Oelsen is a financial advisor at RBC Capital Markets with 42 years of industry experience. He holds Series 63 and Series 66 designations and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to clients' risk profiles.

Andrea Arechandieta is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Andrea is currently based in San Antonio, TX. 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 individuals, high-net-worth clients, and institutions.

Jerrod Fraser is a financial advisor at Wells Fargo Advisors in San Antonio, TX, holding a Series 66 designation with 16 years of industry experience. He has been with Wells Fargo entities since 2016, including nine years at Wells Fargo Clearing and one year at Wells Fargo Advisors LLC prior to his current role. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients who meet a net-worth threshold, using proprietary research and tools to develop customized recommendations.

Rebecca Muehl is a financial advisor at Edward Jones in New Braunfels, TX, holding a Series 66 designation with three years of industry experience. She has been with Edward Jones since 2019 and previously worked in several other fields, including automotive and retail. Outside of her advisory role, Muehl is the owner and Executive Director of The Village: Autism Alliance, a nonprofit organization in New Braunfels. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs and a large national network of advisors and branch offices. The firm manages over $1 trillion in assets and offers both discretionary and non-discretionary investment strategies alongside tax-efficient services.

Harleen Kaur is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at Victory Capital Services, BBVA Securities, Woodforest Bank, Cash America International, and Wells Fargo Bank. 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 broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Christopher Kleberg is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and six years of industry experience. He has held roles at Bank of America, Merrill, PlainsCapital Bank, Crockett National Bank, and Capital Bank SSB. Outside of his advisory work, Kleberg serves as a director for King Ranch Inc., a privately owned family business with diversified agricultural operations, and contributes to the Caesar Kleberg Foundation, a charitable organization funding environmental research. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Allyn Edwards is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 66 credentials and 26 years of industry experience. Prior to joining LPL Financial in 2018, Edwards worked at Kovack Advisors Inc. and Kovack Securities Inc. for over 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options.

David DeCorrevont is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Financial Consultant I at Fidelity from 2024 to 2025. Before joining Fidelity, David worked as a Financial Advisor at Robert W. Baird & Co. Inc. from 2018 to 2024 and started his career there as a PWM Foundations Associate from 2016 to 2018. David focuses on providing personalized, hands-on service tailored to each client's unique needs, emphasizing thoughtful planning and clear communication. He prioritizes building relationships and helping clients define meaningful financial goals with clarity and confidence. Outside of his professional work, David has interests in fitness, football, outdoor adventures, parenthood, scuba diving, and skiing.

Kenton Copeland is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 63 credential and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Copeland manages office operations for his Ameriprise financial advisor franchise and serves as a managing member or co-owner in family investment entities focused on managing family-held investments. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing annual advice focused on dependable income and tax-aware withdrawal strategies.

Christopher Sanger is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to his current role, he worked at Morgan Stanley and its affiliated private bank. Outside of advisory work, he serves as a board member of the First Protestant Church of New Braunfels and is involved in agricultural ventures through his ownership of farm operations and related business entities. 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, pension plans, corporations, and institutional clients. The firm provides non-discretionary planning tailored to client goals using analytical tools and supports advisory programs, with notable expertise in municipal and public finance.

Jonathan Barrera is a financial advisor at Edward Jones based in San Antonio, TX, with 11 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill from 2014 to 2020. 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, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 advisors.

Johnny Townsley III is a financial advisor with Cambridge Investment Research Advisors in Schertz, TX, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior work includes roles at Citigroup Global Markets, Ameriprise, CUNA Brokerage Services, and Randolph Brooks FCU. He is also involved as an advisory representative for an RIA. Cambridge Investment Research Advisors serves a broad client base including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm offers multiple portfolio management solutions, proprietary and third-party strategies, and supports both discretionary and non-discretionary implementation.

Joseph Ward is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets Inc. since 2008. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

John Duda Jr. is a CFP® and ChFC® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. Prior to his career in finance, he served in the United States Air Force and is now retired from active duty. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies. The firm manages approximately $1.01 trillion in assets and supports its services through a large network of financial advisors and branch offices nationwide.

Gavin Baker is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and previously worked at 4Life Wealth Advisors and Cetera Investment Services LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations nationwide through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

David Kunold is a financial advisor with Ameriprise in Live Oak, Texas, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he co-owns Hill Country Vintage, an online retail business operated with his wife. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement who meet specific asset criteria, offering tailored written recommendations that incorporate research, modeling, and tax-efficient strategies. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Todd Braulick is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2011. Outside of his advisory role, he is a co-owner of Mountain Panther LLC, a rental property management business. 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 individuals, high-net-worth clients, and institutions.