Francis Miller Jr. is a financial advisor with Merrill in Houston, TX, holding Series 63 and Series 65 licenses and 20 years of industry experience. His prior roles include positions at Wolfe Research Securities and Wolfe Research Advisors. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed by internal and third-party managers.

Adriana Penaloza is a financial advisor with J.P. Morgan Securities based in Houston, TX, holding Series 63 and Series 66 licenses and with 14 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and is also affiliated with JPMorgan Chase Bank, N.A. since 2011. In addition, she has a business interest in JDAP Collection, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of wealth advisors. The firm’s non-discretionary program focuses on asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence process that combines quantitative and qualitative research.

Coston Parker is a financial advisor at LPL Financial in Houston, TX, holding a Series 66 designation with four years of industry experience. His prior work includes roles at Amegy Bank and Prospera Financial Services Inc. He is involved in a financial institution duty with ZB N.A. and operates a DBA, Amegy Wealth Advisors, for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Joyce Chemutai Love is a financial advisor with Fidelity Investments, holding Series 63, 65, and 66 licenses and 11 years of industry experience. She has worked at Fidelity since 2022 and previously held roles at Wells Fargo Bank and its affiliates from 2009 to 2021, as well as Key Investment Services and Key Bank between 2017 and 2019. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a range of clients including retail, institutional investors, and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Michael Duty is a financial advisor at Wells Fargo Advisors with three years of industry experience. Before joining Wells Fargo Advisors in 2026, he worked at Wells Fargo Clearing for three years and spent eight years with Heavy Construction Systems Specialists, LLC. Outside of his financial career, he is involved in local community theater, serving as the set construction lead and a technical theatre consultant for Ridge Point High School’s theatre department. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored planning and advisory solutions supported by proprietary research and integrates these services with other financial products and referral channels.

Jessica Chen is a financial advisor with J.P. Morgan Securities in Houston, TX, holding a Series 66 credential and four years of industry experience. Prior to her current role, she has worked at JPMorgan Chase Bank, N.A. and held various positions including fitness instructor at Equinox. Outside of finance, she teaches group fitness classes at Equinox. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its investment approach and offers broader derivatives and commodities capabilities.

Parker Smith is a financial advisor with Merrill based in Houston, TX, holding a Series 66 designation and three years of industry experience. His prior roles include four years at Main Street Capital Corporation and a board membership with The Rice Owl Club, which supports athletics at Rice University. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Joshua Krakowiak is a financial advisor with LPL Financial in Pasadena, TX, holding a Series 66 designation and eight years of industry experience. His previous roles include positions at CUSO Financial Services, J.P. Morgan Securities, JPMorgan Chase Bank, Edward Jones, and earlier tenure at LPL Financial. 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 portfolio programs, third-party asset management, and institutional platforms.

David Hilbig is a CFP®-certified financial advisor with 23 years of industry experience. He is currently with LPL Financial, having joined the firm in 2024 after prior roles at Agia and VALIC Financial Advisors. Hilbig is based in Houston, TX. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive resources and technologies.

Jacob Wade is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and previously worked in sales and marketing roles at Schraad Sales and Marketing, Advantage Solutions, and Acosta Sales and Marketing. Outside of his advisory work, he is involved in managing an Airbnb rental property through the Mawa Group. 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 systematic investment process combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction.

Sally Praker is a financial advisor at Merrill with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2011. Outside of her advisory role, she owns Stray Cat Fishing Charters, a for-profit fishing charter business based in Dickinson, Texas. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Vidal Ramirez is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over 25 years of experience in financial and wealth management services for both domestic and international clients. He provides comprehensive investment management, private banking access, and wealth planning guidance to families, business owners, professional athletes, and corporate clients. Prior to joining Merrill Lynch, Vidal served as a Director in corporate and investment banking at Barclays Capital in New York. Vidal holds a bachelor’s degree from Texas A&M University, where he was a member of the varsity basketball team, and a Master of Business Administration from the McCombs School of Business at the University of Texas at Austin. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA®), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE) specialist. He is fluent in English and Spanish and is committed to ongoing professional development through executive education programs and industry-specific certifications. Residing in Houston with his wife, Barbara, and their two daughters, Isabela and Bianca, Vidal is actively involved in the community. He has held leadership roles such as Chair of the Bank of America Hispanic Organization for Latino/Hispanic Advancement (HOLA) and is a member of Bank of America's Houston Hispanic Business Council. Vidal also supports Big Brothers Big Sisters and participates in various personal interests including basketball, hiking, and yoga.

Paul Margraves II is a Senior Financial Advisor at Merrill Lynch Wealth Management. With more than 25 years of investment advice and guidance experience since 1993, he supports individuals and corporations in navigating fluctuating markets. Paul's expertise centers on assisting corporations in establishing, facilitating, and maintaining their 401(k), deferred compensation, and corporate stock option plans. He also focuses on corporate executive services, divorce transition planning, executive compensation, and equity compensation services. Paul collaborates closely with clients across all levels and works in coordination with their other advisors and specialists, emphasizing teamwork, communication, dynamic advice, and planning as keys to success. He holds the professional designations of Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). A native Houstonian, Paul earned his bachelor's degree in business administration with minors in history and English from Louisiana State University, where he was a member of Sigma Chi Fraternity. He is a devoted father to three children. Outside of his professional work, Paul volunteers with St. Jude Hospital and participates in community organizations including the American Heart Association, Habitat for Humanity, Houston Livestock Show & Rodeo, Susan G. Komen Race for the Cure, and The Children's Assessment Center Foundation. He also enjoys baseball, gardening, golfing, hunting, spending time with his family, and table tennis.

Stacey Smith is a financial advisor with Merrill in Houston, TX, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2009. 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.

Daniel Wallach is a Senior Financial Advisor at Merrill Lynch Wealth Management in Houston. Since joining Merrill Lynch in 2019, Daniel has focused on working with individuals and families on financial planning strategies aimed at reducing fees, taxes, and overall risk. He employs a disciplined, mathematical, and rules-based investment approach to help clients define and reach their financial and retirement objectives. Born and raised in Seabrook, Texas, Daniel comes from a family with a long history in financial advisory, including his grandfather, father, and brother. He holds a Bachelor's degree from the University of Houston in Marketing and Management with a minor in Sales. Daniel's expertise spans a range of client focus areas including corporate benefits, divorce transition planning, executive compensation, family wealth management strategies, retirement income, and tax minimization. He holds professional designations such as Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Daniel enjoys adventure sports, biking, boating, bowling, chess, fishing, hiking, and spending time with his family.

Richard White is a financial advisor with Equitable Advisors in Houston, TX, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he is a member of the Rotary Club of Katy and serves as executor and trustee for his spouse’s estate. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s approach involves assessing client information and risk tolerance to match clients with program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Ian Reutelhuber is Vice President, Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their financial goals and helps develop customized plans tailored to their unique needs. He emphasizes building strong relationships with clients founded on reliability, integrity, and competency. Ian has been with Fidelity Investments since 2015, progressing through various roles including Workplace Planning Consultant, Client Management Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position. His experience encompasses client management and financial consulting within the firm. Outside of his professional role, Ian enjoys family activities, reading, tennis, and traveling.

Ethan Poff is a financial advisor at J.P. Morgan Securities in Houston, TX, holding a Series 66 designation. He has been with J.P. Morgan Securities since 2026 and previously worked at JPMorgan Chase Bank, N.A. from 2024. Prior to his finance career, he gained varied experience in the hospitality and retail sectors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager selection, and customized performance reporting within a non-discretionary advisory framework.

Desiree Batiste is a financial advisor with LPL Financial in Houston, TX, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She worked previously at NEXT Financial Group, Inc. for 10 years and has been involved in tax preparation and accounting with H&R Block for over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing diverse strategies and advanced operational tools.

Emily Abernethy is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Bank of America, Barclays Capital Inc., and Lehman Brothers Inc. during her career. 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, offering a range of model-based and discretionary strategies developed by internal and third-party managers.