Richard Walters Jr. is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2022, with prior roles at The Vanguard Group and the Arizona State Retirement System. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs.

Lisa Martinez is a financial advisor with Fidelity who holds Series 63 and Series 65 designations and has 12 years of industry experience. She previously worked at Sendero Wealth Management, LLC for six years before joining Fidelity Brokerage Services LLC and then Fidelity Investments. Outside of her advisory work, Martinez serves as president of her local neighborhood homeowners association in San Antonio, Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a broad array of portfolios, including funds-of-funds and model portfolios.

Matthew Merrill is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds Series 63 and Series 66 licenses and has one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at United Parcel Service for seven years and has additional experience at Oak Hills Country Club and Walmart. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. Their approach combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework when recommending investment strategies.

Ronnie Higgs is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at various firms including USAA, Fisher Asset Management, Coinbase, Robinhood Markets, and Liberty Mutual. He has also been employed by JPMorgan Chase Bank and J.P. Morgan Securities during multiple periods. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

David Spellman is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior work includes roles at Money Concepts Capital Corp and Snap Financial, along with operating his own agency, David Spellman Agency, since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a wide range of financial planning and investment management solutions supported by various model portfolios, third-party subadvisors, and technology tools.

Jose Ramos is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding a Series 66 designation and eight years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018 and was previously employed with JPMorgan Chase & Co. from 2009 to 2018. Outside of finance, he performs as a musician in a local band. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Iryna Shepeta is a financial advisor with Primerica Advisors in San Antonio, TX. She holds Series 63 and Series 65 licenses and has one year of industry experience, including time at PFS Investments Inc. and Primerica Financial Services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-based investment strategies managed by third-party asset managers. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Michael Sonnier is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Merrill since 2009 and has been with Bank of America since 2002. Sonnier serves on the advisory board of PragerU, a media organization providing free educational content promoting American values. 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, and institutional investors.

Adalberto Cuevas is an International Wealth Advisor with Merrill Lynch Wealth Management. In this role, he provides personalized wealth management strategies tailored to clients' evolving financial needs. Leveraging insights from Merrill and the comprehensive banking and lending solutions of Bank of America, he aims to help clients pursue their financial goals. With over 25 years of experience in the financial industry, Adalberto brings a deep understanding of wealth management. He was born in Mexico, grew up in Chicago from the age of eight, and has lived in San Antonio for more than 20 years. He holds a Bachelor's Degree from St. Mary's University and has earned the Personal Investment Advisor (PIA) designation. Adalberto is bilingual, fluent in both Spanish and English. Committed to community involvement, Adalberto follows the Merrill tradition of participating in local organizations through volunteer work. His professional philosophy centers on building strong, accessible relationships with clients to assist them in making important financial decisions.

Annabelle Watson is a financial advisor at Ameriprise with three years of industry experience. She previously worked at Raymond James & Associates and Recognos Financial. Watson is also involved with Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage her practice. Ameriprise offers a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored planning through a centralized consulting team.

Catherine Blyden is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2015, with additional experience at Agile Group USA. Fidelity’s Strategic Advisers LLC, where she is affiliated, provides investment management and advisory services to retail and institutional clients as well as registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Jason Davis is a financial advisor at Fidelity with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Eagle Strategies LLC, Bank of America Merrill Lynch, Wells Fargo Bank, and Keller Williams Realty. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Scott Muenz is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is a partner in a business that holds an office building in San Antonio. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm provides a range of advisory, brokerage, and insurance solutions typical of a large institutional financial services company.

Yareli Martinez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019. Martinez also has a background working at Jpmorgan Chase Bank and spent time at TJ Maxx Company. Additionally, she has been affiliated with San Antonio College for over a decade. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Scott Thompson is a CFP®-certified financial advisor with 25 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Thompson is also involved in insurance sales through Clipper Wealth Management, focusing on non-variable health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Timothy Montfort is a financial advisor with Raymond James & Associates in San Antonio, TX, holding a Series 66 designation and 17 years of industry experience. He has been with Raymond James & Associates since 2009 and is also the owner and CEO of Hill Country Woodshop, a woodworking business he founded in 2018. 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 municipal entities, offering non-discretionary financial planning and investment consulting supported by a wide range of portfolio management styles and affiliated research.

Kyle Irwin is a Financial Consultant at Fidelity Investments, where he has been working since 2020. He focuses on understanding clients' individual financial situations, concerns, and goals to effectively address their priorities. Kyle collaborates with clients to create personalized financial plans and shares ideas aimed at enhancing their financial future. He emphasizes working ethically and diligently for the people of South Texas and their families. Kyle has extensive experience within Fidelity Investments, having held various roles since 2009, including Planning Consultant, Relationship Manager, Financial Representative, High Net Worth Case Manager, PCG Relationship Manager, Premium Service Representative, and Financial Service Representative. Prior to joining Fidelity, he worked as an Insurance Sales Representative at Western & Southern Financial Group from 2008 to 2009. Kyle holds a California Insurance License. Outside of his professional work, he has personal interests in baseball, football, family activities, movies, social events with friends, and parenthood.

Alan Imes is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2020, including time at Charles Schwab Bank, SSB. Prior to that, he was employed at USAA in various financial planning and investment management roles. 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, due diligence on alternative investments, and a centralized operational structure serving a large client base.

Michael Mullins Sr. is a financial advisor with LPL Financial based in New Braunfels, TX. He holds a Series 63 designation and has 38 years of industry experience, including roles at Mullins & Timmermann, P.C., Avantax Advisory Services, and Avantax Investment Services. Outside of advising, he operates a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Borok is a financial advisor at Wells Fargo Advisors with 13 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors and its affiliated entities since 2012. Outside of his advisory role, he serves on the budget committee of Grace Baptist Church and owns Shoreline Investment Strategies, LLC, an investment-related firm. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutions, providing tailored recommendations supported by proprietary research and planning tools. The firm’s broad planning menu includes specialized services for clients meeting net-worth thresholds, covering areas such as retirement, education, and business-owner transition planning.