Justin Masci is a financial advisor with Charles Schwab & Co., Inc. in Austin, TX, holding Series 63 and Series 66 licenses with 10 years of industry experience. He has been with Charles Schwab since 2017 and previously had a one-year break in employment. 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 non-discretionary financial planning and access to discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and multi-asset model portfolio approach supported by the Schwab Center for Financial Research.

Mark Permenter is a financial advisor at Raymond James & Associates with 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Stifel Nicolaus, UBS Financial Services, and Morgan Stanley. He holds the Series 63 and Series 65 credentials and is based in Austin, TX. 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, and offers a range of financial planning and advisory services supported by firm research and multiple portfolio management styles.

Melanie Dunn is a financial advisor at Charles Schwab with eight years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones and DexYP. Outside of her advisory role, she owns an LLC related to a residential real estate property. Charles Schwab & Co., Inc. serves a large client base, mainly high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and provides multi-asset model portfolios supported by research and alternative investment options.

Brett Bellcase is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

John Rowe is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, he worked at COSTAR Group and Blue Ridge Bank, among other roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in managing portfolios and serves as an advisor to multiple registered investment companies and fund-of-funds.

Katherine Morsbach is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for 10 years before joining Morgan Stanley Smith Barney LLC. Outside of her advisory role, she is a co-owner of a water, fire, and mold restoration business in Northwest Austin, though she is not involved in its operations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Darrell Rupert is a CFP® with 28 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax, 1st Global Advisors, and operated his own firm, Rupert Wealth Advisors, LLC. He volunteers providing pro bono financial coaching to widows and widowers through WINGS FOR WIDOWS. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with access to various investment strategies and third-party managers.

Akshay Gupta is a financial advisor with LPL Financial in Austin, TX, holding a Series 66 designation and seven years of industry experience. He previously worked at Bank of America and Merrill from 2019 to 2024. Outside of his advisory role, he is involved in electrical engineering through a separate business activity. 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 financial planning and advisory programs, combining proprietary research with third-party model portfolios and advanced portfolio management technologies.

Nicholas Morton is a financial advisor at Edward Jones with a Series 66 designation and one year of experience in the industry. Prior to joining Edward Jones, he worked at MI Incorporated for 21 years and has been affiliated with H-E-B Grocery Company for 20 years, where he works one night a week stocking shelves. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products, supported by a large national network of advisors and branch offices.

Eric Blakely is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and previously worked in logistics and storage roles at AIT Worldwide Logistics and Berger Transfer & Storage. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by LPL’s research, model portfolios, and third-party asset management arrangements.

Nathaniel Sorenson is a financial advisor with Wells Fargo Clearing in Austin, TX, holding a Series 66 designation and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Its advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Neal Cohen is a Series 66-credentialed financial advisor at Charles Schwab with six years of industry experience. He has been with Charles Schwab & Co. Inc. since 2016 and previously worked at Schwab Retirement Plan Services, Inc. from 2016 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts. The firm combines brokerage, advisory, custody, and cash-sweep services within an integrated operational framework.

Sara Wittbold Araoz is a financial advisor at LPL Financial with three years of industry experience. She holds Series 66 and Series 63 registrations and previously worked at Charles Schwab & Co., Inc. from 2023 to 2026. Outside of finance, she has experience in education and filmmaking, including a role at Indie House Films. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a wide range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research.

Janell Soto is a financial advisor at Charles Schwab with 14 years of industry experience and holds a Series 66 designation. She has been associated with multiple Charles Schwab entities since 2012, including Charles Schwab Bank, SSB, Charles Schwab Premiere Bank, SSB, and Charles Schwab Trust Bank, SSB. 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 and discretionary investment guidance using multi-asset model portfolios and provides centralized custody and order-routing services.

Laurie Ross is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2000, with a brief period at Bank of America and other firms in 2017. Outside of her advisory role, she has been involved with InstaCart since 2017. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Julio Naveda Rivas is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Media Star Promotions, United Parcel Services, and various other companies before joining Charles Schwab. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and supervisory arrangements.

Corinne Yelle is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. She has worked at Cetera since 2019 and previously was with Foresters Advisory Services and Foresters Financial from 2014 to 2019. Outside of her advisory role, she works as a fitness instructor at Orangetheory Fitness. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment strategies and third-party managers.

Jason Connally is a financial advisor with Raymond James & Associates in Austin, TX, holding a Series 66 designation and 17 years of industry experience. He has worked at Dell Inc. since 1998. Outside of advising, he serves as chair of the finance committee for BOOKSPRING in Austin. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a national network of advisers.

Melanie Dohrman is a CFP® professional with 18 years of experience in financial advising. She is currently with LPL Financial, where she has worked since 2023, following 11 years at Spc and Sigma Financial Corporation. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by model portfolios and research from internal and third-party sources.

Sebastian Mencia is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 66 and Series 63 licenses and previously held roles at Eikona Technologies, Uber/Doordash, Barton Associates, and Trinity University. Outside of his advisory work, he receives interest from staked cryptocurrency holdings. 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 both non-discretionary and discretionary investment solutions supported by strategic asset allocation models and due diligence on alternative investments.