Charles Guerra is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He has held positions at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Guerra holds the Series 63 and Series 66 designations. 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 with over 14,000 financial advisors and offers both brokerage and advisory solutions.

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 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 1998. Saunders serves as vice president of the Chi Delta Tau Foundation, where he supports scholarships for Trinity University students and contributes to the endowment investment policy. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and offers a range of investment products and services, including wrap programs and relationships with investment companies and private funds.

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® with 37 years of industry experience currently advising at Raymond James & Associates. His prior roles include positions at Ameriprise and Wells Fargo Advisors. He serves as Treasurer General on the Board of Directors for OSMTH, a non-investment-related activity. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a broad client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, offering a range of portfolio management styles supplemented by firm research and sub-advisers.

Michael Perrine is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and USAA Financial Advisors. In addition to his advisory work, he provides freelance data analyst services as an independent contractor. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs.

Fredy Tun Cifuentes is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. His career includes multiple tenures at Merrill and roles at JP Morgan Chase Bank, J.P. Morgan Securities, and Bank of America. Outside of his advisory work, he owns and manages landscaping and fence service businesses in Texas and New Mexico, as well as a commercial and residential landscaping project management company. 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 tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Kern is a financial advisor at Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and with Morganstanleysmithbarney since 2010. Kern is involved in managing a family limited partnership that holds investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Traci Beckwith is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 designations. Based in San Antonio, TX, she provides advisory services within a large institutional firm environment. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, utilizing structured financial planning tools and a research-driven investment approach. The firm manages approximately $2.74 trillion in client assets and delivers customized planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Kinnally Jr. is a financial advisor with OSAIC based in San Antonio, TX, holding Series 63 and Series 65 licenses with 25 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Kinnally serves as an investment committee member for the Congregation of the Sisters of Charity of the Incarnate Word and participates on the Capital Campaign Committee of Antonian College Preparatory High School. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes advanced asset allocation tools and multiple investment platforms to provide tailored portfolio management and access to a wide range of investment products.

Thomas Fitzsimmons is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Tito Shane is a financial advisor with Wells Fargo Advisors in San Antonio, TX, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining his current firm. Outside of his advisory role, he provides bookkeeping services for a family logistics business and owns Shane Wealth Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers tailored recommendations supported by proprietary research and planning tools, with planning engagements that are generally discrete and optional for implementation through various brokerage or advisory programs.

Zachary Clark is a CFP® professional with 14 years of experience in the financial advisory industry. He is currently with Cetera and has worked with affiliated entities since 2011. Outside of his advisory role, Clark is a partner and treasurer in several non-investment businesses, including mining and technology distribution companies, and serves as treasurer for a women's ministry organization. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of advisory services through a nationwide network of independent advisors. The firm serves individual and institutional clients using a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Albert Steves V is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the Board of Directors for the Texas Cavaliers and is a member of the investment committee at St. Mark’s Church in San Antonio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Kristine Velasquez is a financial advisor at Wells Fargo Clearing in San Antonio, TX, holding Series 63 and Series 65 licenses with 30 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Outside of her advisory role, she serves as a trustee for several family trusts, including those for her nephew, niece, and sons. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes investment options such as insurance-related vehicles and bank deposit sweep programs.

Martin Slechta is a financial advisor with J.P. Morgan Securities in San Antonio, TX. He holds a Series 66 designation and has one year of industry experience, including prior roles at Frost Brokerage Services and Randolph-Brooks. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities.