Amanda Collins is a CFP® with seven years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, she operated the Law Office of Amanda Pierce for two years. She is also a notary public in Victoria, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Gulker is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 11 years of industry experience. He has worked with several firms, including Foresters Financial Services and Kestra Advisory. Outside of his advisory role, he serves as an assistant hitting instructor at Batting Lanes 210. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform supporting both discretionary and non-discretionary strategies.

Jacob Kidd is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sanford C. Bernstein & Co. LLC, Hilton Hotels, and Three Part Advisors, LLC. Kidd is based in San Antonio, TX. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a large-scale, integrated structure with a range of advisory and custodial services.

Jeffrey Bowers is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley in 2021, he spent five years with JPMorgan Securities LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Kelly Kerr is a financial advisor with RBC Capital Markets in San Antonio, TX, holding Series 63 and Series 65 credentials and with 26 years of industry experience. She has been with RBC Capital Markets since 2014. Outside of her advisory role, Kerr is the owner and passive partner of an auto finance business and serves as a committee member of The Nonprofit Council in San Antonio, supporting local 501(c)(3) organizations. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Charles Morales is a financial advisor at Morgan Stanley in San Antonio, TX, with 24 years of industry experience. He has held positions at Morgan Stanley since 2022 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes structured discovery conversations and planning tools.

Michael Cullipher is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and with 14 years of industry experience. His prior roles include positions at USAA Financial Advisors and Usaa Investment Management Company. He is currently based in San Antonio, TX. 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-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Joshua Zimmer is a financial advisor at Charles Schwab in San Antonio, TX, holding Series 63 and Series 65 licenses with 12 years of industry experience. His prior roles include positions at Victory Capital Advisers, Fis, and USAA Financial Advisors. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advice with access to affiliated discretionary SMA portfolios and a structured alternative investment platform.

Jason Parker is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017 and MetLife Resources from 2006 to 2017. Outside of his advisory role, he is a partner in a family LLC formed to sell inherited land. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses firm-approved software to analyze client goals and provides recommendations through ongoing, collaborative planning engagements.

Christopher Belsjoe is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 licenses and 10 years of industry experience. His prior roles include positions at Bank of America, USAA Investment Management Company, USAA Financial Planning Services, USAA Financial Advisors Inc, and CitiBank. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Samuel Ribak is a financial advisor with Equitable Advisors in San Antonio, TX, holding a PFS™ designation and Series 63 and 66 licenses. He has 33 years of industry experience, including 24 years with Equitable Advisors and prior work at AXA Advisors. Ribak also operates a tax preparation practice outside of securities trading hours. 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 various third-party managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage channels to execute client recommendations.

Lisa Reyes is a financial advisor with Merrill in San Antonio, TX. She holds a Series 66 designation and has 11 years of industry experience. Reyes has been with Merrill since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Justin Horsman is a financial advisor with Cetera, holding a Series 66 credential and two years of industry experience. He has worked at multiple Cetera entities since 2023 and is involved with Aspect Wealth Management in a client services role. Outside of his advisory work, Horsman serves as an executive board member and secretary for FEAST, a nonprofit focused on education, and volunteers as an executive board member for TeenPact Leadership Schools. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, accommodating various investment strategies and program structures across a large network of advisors.

Ivan Galindo is a CFP® and ChFC® with 26 years of experience in the financial services industry. He is currently with Charles Schwab in San Antonio, TX, where he has worked since 2021. Prior to Schwab, he held various roles at USAA, including positions in financial planning and investment services from 2007 to 2021. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and centralized custody and operational functions.

Robert Shefelton is a financial advisor with LPL Enterprise in San Antonio, TX. He holds Series 63 and Series 65 credentials and has held positions at Northwestern Mutual and Keller Williams. Prior to entering the financial services industry, he worked for eight years at SmartWay Transportation. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and a platform that integrates financial products such as insurance through affiliated entities.

Karen Rader is a Series 66 licensed financial advisor with Edward Jones in San Antonio, Texas, and has 14 years of experience at the firm. She has no reported external business activities with responsibilities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and affiliated investment offerings.

Bella Hampton is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her prior roles include positions at Charles Schwab Bank, Charles Schwab & Co., USAA Investment Management Company, and USAA Financial Advisors. Outside of finance, she is involved in photography through her sole proprietorship, Bella Hampton Photography, and is a stakeholder in Element Luxury Fitness, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analyses.

John Shaffer III is a financial advisor at Edward Jones in San Antonio, TX, holding Series 63 and Series 66 designations with 32 years of industry experience. He has been with Edward Jones since 1993. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a large network of financial advisors and branch offices nationwide, offering a range of investment advisory programs and affiliated financial services.

Carlos Henriquez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, having previously worked at JP Morgan Chase Bank NA. 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 brokerage and investment management capabilities.

Dolores Charles is a financial advisor at Charles Schwab with 21 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior roles include positions at USAA Transfer Agency Company and USAA Investment Management Company. Charles Schwab 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 offers a combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.