Michael Nash is a financial advisor with LPL Financial based in New Braunfels, TX, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2014. Nash is also involved with Dollar Wealth Management, a business related to his LPL practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, 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 various investment strategies and advisor tools.

Joseph Le Bouff is a financial advisor at J.P. Morgan Securities with five years of industry experience and holds the Series 66 designation. His prior roles include positions at Equitable Advisors and Uber, as well as experience in education at North East ISD and Floresville ISD. 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 an ESG eligibility framework to guide its recommendations.

Timothy Escobar is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Escobar also serves in the U.S. Army Reserve and is a board member of a flying club. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market estimates to assist its clients.

Chad Mitchell is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Merrill, UBS Financial Services, and Morgan Stanley Dw Inc. Outside of his advisory work, he is involved in land and wildlife management through ownership in ranch-related businesses. 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 utilizes research and analytics centered on diversification and modern portfolio theory.

Dorian Townsend is a Series 66-licensed financial advisor with seven years of industry experience. He currently works with J.P. Morgan Securities in San Antonio, TX, and has held positions at firms including SWBC Investment Company, Ameriprise, USAA, and Edward Jones. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Valerie Boggs is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has worked at Merrill since 2009 and previously held positions at Banc of America Investment Services, Inc. and Morgan Stanley DW Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Cortez is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and small business strategies. With over eight years of experience, Joseph is dedicated to providing clients with first-class financial services and working closely with families to help them achieve their important life goals. Joseph holds a Bachelor's Degree from the University of Texas System and a Master's Degree from Saint Mary's University of San Antonio. He has earned the Personal Investment Advisor (PIA) designation, reflecting his professional expertise in investment advisory services. Outside of his professional work, Joseph has interests in baseball, basketball, fishing, and football.

David Ballard is a financial advisor at LPL Financial with 34 years of industry experience. He holds the ChFC® and Series 63 credentials. Prior to joining LPL Financial in 2021, he held roles at Waddell & Reed, Inc. for 30 years and has been involved with Trinity Baptist Church and Biblical Leadership For Excellence in various capacities over the past decade. 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 wide range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies.

Nicholas La Valley is a financial advisor with Equitable Advisors based in San Antonio, TX. He holds a Series 66 designation and has been with Equitable Advisors since 2026. His prior experience includes multiple roles at Higginbotham and various positions outside the financial industry, including work in education and food service. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory programs and third-party managers, focusing on matching clients with appropriate investment models and fiduciary services.

Sebastian Barraza is a financial advisor with Fidelity in San Antonio, TX, holding a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked at Redwood Residential and held various roles in other companies. Outside of his advisory work, he is an independent contractor assisting with real estate leasing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Charles Guerra is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding Series 63 and Series 66 designations and 28 years of industry experience. He worked at A. G. Edwards & Sons, Inc. from 2002 to 2008 before joining Wells Fargo in 2016. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Sylvia Armendariz is a financial advisor with Merrill in San Antonio, Texas, holding Series 63 and Series 65 licenses. She has 16 years of industry experience and has been with Merrill since 2014. Outside of her advisory role, she is a general partner in a for-profit partnership selling purses and accessories. 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, offering model-based and discretionary strategies for various client types including individuals and institutions.

Cynthia Vail is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has been associated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of her advisory role, she previously owned a travel business from 2007 to 2011. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selective separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap-fee structure as part of its investment approach.

Payton Anderson is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch for three years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Javier Perez Jr. is a financial advisor with MassMutual Investors Services in San Antonio, TX, holding a Series 66 designation and four years of industry experience. Prior to joining MassMutual Investors Services, he worked with MassMutual Insurance Company and has been the founder of Seven Ages Media, a media consulting and production company, since 2018. His media work includes enhancing social media strategies and producing and editing content. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning processes.

Christopher Saunders is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following an 11-year tenure at Citigroup Global Markets. Outside of his advisory role, he serves as vice president of the Chi Delta Tau Foundation, where he works on endowment investment policy and provides scholarships for Trinity University students. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its advisory process.

Jimmy Hoyt is a financial advisor with Charles Schwab in San Antonio, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. Outside of his advisory work, he is an ordained minister with the Universal Life Church Ministries and has occasionally presided over wedding ceremonies without compensation. 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 supported by multi-asset model portfolios and extensive research, delivering services at a large scale with integrated operational capabilities.

Geovanni Hosang is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has been with Primerica Advisors since 2006 and concurrently works with the Department of Veteran Affairs since 2007. Outside of his advisory role, he is a licensed Medicare insurance agent, a notary public, and is involved in various independent business activities including inspection services and brand management. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with trading and custody services facilitated by Pershing and Primerica Brokerage Services.

Patrick Carney is a CFP® professional with 37 years of experience in the financial industry. He is currently with Raymond James & Associates, having previously worked at Ameriprise Financial Services, Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory role, Carney serves on the Board of Directors and as Treasurer General of OSMTH. 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 clientele including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services supported by a broad network of advisers and affiliated research.

Michael Perrine is a financial advisor at Fidelity with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors, USAA Financial Advisors, Inc., and M&T Contracting, LLC. In addition to his advisory role, he provides freelance data analyst services through Upwork. Fidelity’s Strategic Advisers LLC offers a range of investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is known for its involvement with registered investment companies, use of systematic methodologies, and advisory services supporting model portfolios for Fidelity Institutional Wealth Adviser.