Martin Mata is a CFP® and ChFC® with 35 years of experience in the financial industry. He has worked at Charles Schwab since 2023 and previously held roles at USAA Life Insurance Company, USAA Investment Management Company, and USAA Financial Planning Services from 2007 to 2023. Charles Schwab & Co., Inc. serves a large client base of 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 discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by in-house research and alternative investment options.

Matthew Phillips is a financial advisor with Morgan Stanley Wealth Management, based in San Antonio, TX, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Jason Flint is a CFP® and PFS™ credentialed advisor with five years of industry experience. He is currently with Cetera in San Antonio, TX, having previously worked at Avantax Investment Services, Inc., and Avantax Insurance Agency. In addition to his advisory work, he serves as the director of Flint CPA, PLLC, a tax preparation and planning firm that also provides IRS representation and resolution services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with access to affiliated and third-party managers and various program structures.

Jeffery Okafor is a financial advisor at J.P. Morgan Securities in San Antonio, TX. He holds a Series 66 designation and has one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Okafor worked in various roles including at Principal Life Insurance Co and Emory Rehabilitation Hospital. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joshua Killeen is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with clients to develop personalized wealth management strategies that address college education planning, family wealth management, legacy planning, liquidity management, retirement planning, portfolio management, small business strategies, and investment strategies tailored for individuals and corporations. Joshua holds a Bachelor's Degree from the University of Texas at San Antonio and has earned professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He emphasizes helping clients bring simplicity and transparency to financial planning, addressing complexities to create strategies that align with clients' goals amid changing market conditions. Outside of his professional work, Joshua engages in personal interests such as baseball, football, golfing, hunting, pickleball, reading, spending time with his family, table tennis, traveling, and watching movies.

Michael Whitehurst is a Wealth Management Advisor and Retirement Benefits Consultant with Merrill Lynch Wealth Management. He is a partner with the Collins Whitehurst Femat Wealth Management Team, where he focuses on helping businesses establish, evaluate, and improve retirement plans for their employees. Michael works closely with employers to evaluate plan providers, control costs, and enhance retirement outcomes for their workforce. He has experience advising companies ranging from 15 to over 1,500 employees. Michael holds a Bachelor of Business Administration degree from Texas Christian University, with a major in marketing and a minor in psychology. He has earned multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Certified 401(k) Professional (C(k)P®), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), Chartered Retirement Planning Counselor™ (CRPC™), Chartered Retirement Plans Specialist™ (CRPS™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) within Bank of America/Merrill. In addition to his professional work, Michael has been involved with various community organizations such as the Catholic Youth Organization, Catholic Charities of San Antonio, American Lung Association of Texas, Habitat for Humanity, and the TCU San Antonio Alumni Association. He has participated in leadership development programs including the Alexander E. Briseño Leadership Development Program, Leadership San Antonio, and the Community Education Leadership Program. Michael enjoys spending time with his wife Katie and their three daughters and engages in activities such as hot yoga, Pilates, kayaking, and outdoor pursuits.

Baochau Ton is a financial advisor at Merrill with seven years of industry experience. Prior to joining Merrill in 2024, Ton worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2018 to 2024. Ton's background also includes roles in healthcare and academia, including the University of Texas MD Anderson Cancer Center and Texas A&M University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Gregory Metz is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at UBS Financial Services from 2016 to 2022. Outside of his advisory role, he has ownership in a floral import-export business with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, integrating research and modern portfolio theory in its investment approach.

Kelly Finley is a financial advisor at Edward Jones with six years of industry experience. She has worked at Edward Jones since 2019 and previously held roles at Gunn Automotive Group, Landon Ridge Alamo Ranch - Sagora Senior Living, and Isle at Watercrest Alamo Ranch - Integrated Senior Living. She holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, operating under a fiduciary standard and supported by a network of approximately 23,701 financial advisors nationwide.

Griffin Colbert is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, N.A. and Fidelity Investments, among other roles in the financial sector. Outside of finance, his background includes work in the food service and hospitality industries, such as positions at Jitters Cafe and Jimmy Johns. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers a range of investment strategies approved through its internal review processes.

Raul Guerrero is a CFP® and Series 66-registered financial advisor with 18 years of industry experience. He is currently with Charles Schwab in San Antonio, TX, where he has worked since 2020. Prior to Schwab, he held various roles at USAA Investment Management Company and its affiliated entities from 2008 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

Christopher Budde is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. Prior to joining J.P. Morgan in 2019, he worked at Mcgill Airflow LLC and Panda Express, and he attended Abilene Christian University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ian Mobley is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, he worked briefly at Fidelity Brokerage Services and Fidelity Investments. Outside of finance, his background includes involvement with small businesses in photography and environmental services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, applying quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers customized services through its Institutional Consulting Services program.

Ahmad Achmar is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding a Series 66 designation and 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and was previously with Chase from 2009. 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 its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary advisory services supported by an in-house manager solutions team and a centralized due diligence framework.

Richard Sosa is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Citigroup Global Markets and Citibank for 15 years. He is currently based in San Antonio, TX. 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 broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Wesley Taylor is a financial advisor at Raymond James Financial with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Raymond James, he worked at Mutual of Omaha Insurance Company and Mutual of Omaha Investor Services. He serves as a worship leader at First Presbyterian Church in San Antonio. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a wide network of advisors and affiliated firms across various client segments.

William Davis III is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His prior roles include positions at International Bank of Commerce, Air Force Federal Credit Union, Infinex Investments, and Avantax Advisory Services. Outside of advising, he is involved with DOUBLE D BAR RANCH, LLC, a business unrelated to investment services. 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 and institutional platforms, with investment approaches that include model portfolios, third-party subadvisors, and customized strategies.

Richard Sharp is a financial advisor at Osaic Wealth, Inc. with over 31 years of industry experience. He has held roles at Securian Financial Services and Securities America Advisors, among others. Sharp is also the owner of Symmetry Financial Solutions, an advisory and insurance business based in San Antonio, TX. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, using various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Charlie De Leon is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 1998, progressing through roles including Fidelity Representative I, Financial Representative II, and Financial Consultant. Prior to joining Fidelity, he held financial representative positions at US Global Investors and Morgan Stanley. Charlie focuses on helping clients identify and articulate their financial goals, guiding them through complex financial planning processes to build customized plans and manage risks. He emphasizes ongoing client engagement, regularly reviewing plans to ensure alignment with clients' evolving needs and preferences, and collaborates with teammates and business partners to provide responsive customer service. Outside of his professional work, Charlie has personal interests in cars, comedy, golf, music, tennis, and traveling.

Catherine Bruce is a financial advisor with Ameriprise in Bulverde, TX, holding a Series 66 designation and 18 years of industry experience. She previously worked at RBC Capital Markets Corporation for 11 years before joining Ameriprise in 2019. Outside of her advisory role, she has involvement in non-investment-related real estate ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis delivered through a centralized consulting team alongside its broad advisory and insurance offerings.