Katherine Karr is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 designation with eight years of industry experience. Her career includes prior roles at Merrill Lynch, Bank of America, and SWBC Investment Services, among others. She also worked briefly at HotWorx and Alamo Colleges. Morgan Stanley Wealth Management serves individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-based financial planning services.

Philip Krebsbach is an Investment Consultant with experience as a Wealth Advisor at Fidelity Investments since 2022. Prior to this, he served as a Wealth Advisor at USAA from 2017 to 2022. In his roles, he focuses on understanding client goals to work towards making those dreams a reality. Outside of his professional responsibilities, Philip has interests in food, golf, parenthood, and traveling.

Philip Nelson is a Series 66-licensed financial advisor with J.P. Morgan Securities in San Antonio, TX. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. His prior experience includes roles at USAA and North Dallas Bank and Trust, along with time at Texas A&M University and Nelco Media. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm incorporates ESG criteria in its investment recommendations and offers services on a non-discretionary basis, with clients retaining final decision authority.

Jake Spruiell is a financial advisor with Cetera, holding a Series 63 license and over 27 years of industry experience. His prior roles include positions at PNC Managed Account Solutions and BBVA Wealth Solutions. He is the owner of Sonterra Wealth Management LLC, where he is actively involved in client services and trade execution. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with over $256 billion in assets under management.

Sebastian Bathie is a Financial Advisor at Merrill Lynch Wealth Management, based in San Antonio, Texas. He is a Team Financial Advisor focused on Business Development, bringing a strong analytical mindset and a collaborative approach to supporting strategic growth and informed financial decision-making. Sebastian is committed to assisting individuals and organizations in making confident financial decisions as part of the Hayne, Moon & Associates team at Merrill. Sebastian began his career after earning a bachelor's degree in Communication from Texas Christian University in 2019. He spent over six years serving the aerospace and defense sector, supporting mission-critical programs and building long-term strategic client relationships. While working full-time, he earned an MBA in Finance from Southern Methodist University, which strengthened his skills in finance, strategy, and leadership. His expertise encompasses investment goal articulation, portfolio management, risk analysis, and strategies in retirement planning, tax minimization, and business succession. Sebastian holds the Personal Investment Advisor (PIA) designation. He focuses on areas such as college education planning, portfolio management, small business strategies, retirement income, and tax minimization. Outside of his professional role, Sebastian enjoys basketball, fishing, football, golfing, hunting, running, spending time with his family, tennis, and watching movies.

Michael Thompson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 2019 after retiring from the Navy, where he served for over 20 years as a Naval Aviator and Military Operational Planner. In his current role, Michael works with families and businesses to develop financial strategies tailored to their goals, risk tolerance, liquidity needs, and investment timelines. He leverages technology to provide secure client support across the country and offers access to a range of banking and lending services through Bank of America. Michael holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Certified Plan Fiduciary Advisor® (CPFA®) designation, and is a qualified Senior Portfolio Advisor and Retirement Accredited Financial Advisor. His educational background includes a Bachelor's degree in Mechanical Engineering from the United States Naval Academy, a Master's degree in National Security and Strategic Studies from the United States Naval War College, and an Executive Program in Financial Planning from the University of Georgia's Terry College of Business. Beyond his professional commitments, Michael is actively involved in his community and various organizations such as American Heritage Girls, Habitat for Humanity, Trail Life USA, Vet 2 Vet, and the safety team at Statesboro First Baptist Church. He and his wife live on their family farm in South Georgia, where they homeschool their four children and engage in raising livestock, poultry, and growing timber and fruit trees.

Thomas Platt is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. He serves as a board member for Posse Houston, a charitable organization focused on community engagement through volunteering and fundraising. 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, and various institutional accounts, supported by internal and third-party portfolio managers.

Stephen Gary is a financial advisor at Morgan Stanley in San Antonio, TX, with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2021, including a role at Morgan Stanley Private Bank, N.A. Prior to his financial services career, he was employed at AT&T for seven years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Stephen Scott is a CFP®-credentialed financial advisor with 17 years of industry experience, currently with Morgan Stanley in San Antonio, TX. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Scott is involved in songwriting and plays guitar professionally with The Joe Panther Band. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

John Abeyta is a financial advisor at Morgan Stanley with 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and also works with Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as Vice President of Finance for JLA Collision, an auto collision repair center in Austin, Texas. Morgan Stanley Wealth Management is an SEC-registered investment adviser that serves both individual and institutional clients through 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 market simulations.

Bradley Burton is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior experience includes roles at Edward Jones, Pruco Securities LLC, and Prudential Insurance Company of America. Outside of his advisory work, he is a pastor and part owner of a party rental and general contracting business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research-driven modeling and tax-efficient strategies to provide tailored, non-discretionary recommendations.

Jessica Bustos is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and possessing 20 years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at USAA Investment Management Company for 23 years. She also took a one-year break as a homemaker before joining her current firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Alfonzo Chavana is a financial advisor at Ameriprise with 26 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1999. He is based in San Antonio, TX. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria. The firm provides written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies, using a combination of research, modeling, and tax-efficiency analysis to support client planning.

Aram Gomar is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co. since 2020. Prior to that, he spent time with USAA Investment Management Company and USAA Financial Advisors, Inc. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory 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 multi-asset model portfolios with periodic reviews and alternative investment options.

Stephanie Casas is a financial advisor with Cambridge Investment Research Advisors in San Antonio, TX, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at United Planners' Financial Services of America and Kilmer & Company PLLC. Casas also has entrepreneurial experience as an independent distributor with Young Living Essential Oils and Juice Plus. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a range of portfolio management and model-based solutions across multiple platform arrangements.

Erin Cook is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and five years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2020, and previously held roles at Movement Mortgage, loanDepot, and Avolio & Hanlon, P.C. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Matthew Parker is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corp and in business roles at 24 Hour Fitness and Winston Water Cooler. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, using various asset-allocation tools and portfolio management strategies.

Monica Salazar is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 designation with seven years of industry experience. She previously worked at JP Morgan Chase and American Funds before joining Morgan Stanley in 2018. Outside of finance, she is engaged in photography as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide 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 market modeling techniques.

Marc Thiltgen is a CFP® professional with 26 years of industry experience, currently affiliated with Charles Schwab in San Antonio, TX. His prior experience includes roles at USAA Investment Management Company and USAA Financial Advisors. He serves on the board of the San Antonio Academy Alumni Association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining non-discretionary advisory services with access to affiliated discretionary SMA portfolios and a centralized operational platform.

James Wissmiller is a financial advisor at Edward Jones in New Braunfels, TX, with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Edward Jones since 2005. Outside of his advisory role, Wissmiller is involved in owning and managing short-term rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a broad range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.