Charu Dayal is a financial advisor with Merrill in Frisco, TX, holding a Series 66 designation and 19 years of industry experience. Prior to joining Merrill in 2025, Charu worked at RBC Capital Markets, LLC for five years, R.W. Baird & Company for nine years, and Morgan Stanley for four years combined. 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, and institutions.

Jesse Perry is a financial advisor with LPL Financial in Frisco, TX, holding a Series 66 credential and 10 years of industry experience. His prior roles include positions at Fisher Investments, T. Rowe Price, and several other financial firms over the past decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers multiple investment solutions, including financial planning, model portfolio programs, and third-party asset management, supported by a range of operational tools and oversight of over $819 billion in discretionary assets.

Mark Theriault is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 33 years of experience in the investment and financial planning industry. He holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation and the Personal Investment Advisor (PIA) credential. Mark earned his Bachelor's Degree from the University of Florida. Mark specializes in developing personalized financial strategies to assist clients in reaching their unique goals. His expertise includes college education planning, divorce transition planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. As a portfolio manager, he creates customized investment strategies that may incorporate individual securities, Merrill Lynch Wealth Management model portfolios, and third‑party investment approaches. In his professional role, Mark focuses on simplifying the complexities of investing by providing transparent and tailored advice. Outside of work, he enjoys cooking, football, golfing, hiking, reading, running marathons, and spending time with his family.

Neil Nichols is a financial advisor with LPL Financial in Corinth, TX, holding a Series 66 registration and 25 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory role, he serves as vice president of Intentional Wealth, Inc., a business succession planning firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, supported by extensive operational and research tools and a broad platform of financial services.

Erica Tyree is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has worked at Bank of America since 2018. Erica is also a co-owner of a family rental property in Texas. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for a range of clients including individuals, high-net-worth clients, and institutional investors, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Andrew Guirguis is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at both Bank of America, N.A. and Merrill since 2015. Outside of his advisory role, he is a co-owner of a family rental property business. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Nicholas Whittlesey is a financial advisor with Charles Schwab in Frisco, TX, holding Series 66 and Series 63 licenses and three years of industry experience. Prior to joining Charles Schwab, he worked at Great Western Financial and AmeriFirst Financial. Outside of his advisory work, he serves as an ice hockey referee and official for youth and adult leagues. 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 advice and access to discretionary separately managed accounts, supported by multi-asset portfolios and centralized operational infrastructure.

Paul Raehpour is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2014. He brings over 20 years of experience as a trusted advisor to families and small business owners. Paul holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and maintains Series 7, 66, and 31 FINRA registrations. Paul earned a Bachelor of Science degree in Communications from Kansas State University. Prior to his career in financial advising, he worked as a talent coordinator for "The Tonight Show with Jay Leno." His team advises numerous entertainment industry clients based in Los Angeles and New York, as well as other professionals nationwide. Outside of his professional work, Paul is an avid fisherman, craftsman, and enjoys theater. He lives in McKinney with his wife, Melissa, and is a father to three daughters, Katherine, Rachel, and Morgan, as well as a grandfather to Isiah.

Matthew Haile is a financial advisor at LPL Financial with Series 66 credentials and 10 years of industry experience. His prior roles include positions at SCF Securities, Northwestern Mutual Wealth Management Company, and First Allied Securities. Outside of advising, he manages a home-based business entity for tax and investment purposes. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Stephanie Chininis is a financial advisor with J.P. Morgan Securities in Frisco, TX, holding Series 63 and Series 66 designations and with 32 years of industry experience. She has been with J.P. Morgan Securities since 2012 and with Jpmorgan Chase Bank, N.A. since 1995. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process is supported by centralized due diligence and incorporates both quantitative and qualitative research, with an investment approach that may include an ESG eligibility framework.

Adela Canaj is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through its 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.

Richard Wright is a CFA® charterholder and holds a Series 65 license with 25 years of industry experience. He currently works at Stifel in Dallas, TX, joining the firm in 2025 after prior roles at B. Riley Wealth Advisors and Fiduciary Financial Services Wealth Management. Outside of advising, he owns family farms in Alabama and Texas, which he leases for agricultural and grazing purposes. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with a proprietary investment methodology developed by its Investment Strategy Group.

Denise Barrera is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2016, based in Frisco, 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.

Nathan Mccray is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. His work history includes roles at Fidelity Investments since 2023 and prior experience at Froggie 5-0 and Texas Christian University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator, advises multiple registered investment companies, and employs advanced methodologies including AI in its investment process.

Anthony Coward is a Series 66-registered financial advisor with Equitable Advisors, where he has worked since 2003. He has 23 years of industry experience, including 17 years at Axa Advisors, LLC. Based in Prosper, TX, Coward’s career has been focused within the same affiliated firm network throughout this period. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves assessing client risk tolerance and matching them to program models or discretionary managers, often through third-party advisory programs and credentialed IARs.

Barry New is a financial advisor with RBC Capital Markets in Frisco, TX, holding Series 63 and Series 65 registrations. He has 45 years of industry experience and has been with RBC Capital Markets since 2008. Outside of his advisory role, he is a passive owner of a farming operation in Fisher County, Texas. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and planning services, utilizing both in-house and third-party investment managers.

Andrew Teller Jr. is a financial advisor with RBC Capital Markets in Frisco, TX, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the board of Shelton School & Evaluation Center and is involved in a cafe initiative focused on hiring and mentoring foster youth. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, tailored investment strategies, and access to in-house and third-party investment managers.

Aaron Mc Neal is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Edward Jones since 2010. He holds a Series 66 license and is based in Prosper, TX. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Donna Chepenik is a financial advisor with Raymond James & Associates holding a Series 66 designation and five years of industry experience. She previously worked at Merrill for seven years and InTouch Credit Union for three years. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Giordano Zuazo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized financial guidance to help clients achieve their long-term financial goals through strategies that address retirement planning, portfolio management, legacy planning, and tax minimization. Mr. Zuazo draws on over 20 years of industry experience to create tailored investment strategies that align with each client's comfort level and financial objectives. His approach emphasizes investor education and clear understanding of financial concepts to support informed decision-making. He collaborates with a knowledgeable team to deliver comprehensive wealth management services. He earned a Bachelor of Arts degree in Economics from Saint Michael's College and has studied international economics and money and banking at Richmond College in London, England. Mr. Zuazo maintains multiple FINRA registrations and holds life and health insurance licenses, with a focus on long-term healthcare insurance. He served in the U.S. Peace Corps and is actively involved with community organizations including the Cape Cod Museum of Art, Duxbury Yacht Club, Parent Project Muscular Dystrophy, and The Dennis Conservation Trust.