Luis Testas is a First Vice President and International Wealth Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1997, initially working at JPMorgan and its predecessors before joining Merrill Lynch in 2006. Luis offers financial services tailored to high net worth individuals, families, and business owners, focusing on areas such as portfolio management, retirement and education planning, securities-based lending, wealth transfer, legacy planning, and charitable giving. Luis holds a Bachelor's degree from Trinity University and professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute® (The Institute) and the College for Financial Planning. His approach centers around identifying client goals and delivering appropriate solutions to help achieve them, emphasizing attentive and tailored service. Outside of his professional work, Luis enjoys spending time with his family, playing tennis, listening to music, playing acoustic guitar, golfing, ice hockey, skiing, and traveling.

Riley Rodman is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with various Fidelity entities since 2015. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process. The firm also serves as a commodity pool operator and advises multiple registered investment companies, incorporating AI and established governance procedures in its operations.

Brent Mccrary is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently affiliated with Osaic Wealth, Inc., where he has worked since 2023. Prior to that, he held roles at Royal Alliance Associates, Inc. and Jhfn Sii. Mccrary is also involved with Platinum Wealth Solutions of Texas LLC, where he provides sales and marketing of securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across multiple asset classes with both discretionary and non-discretionary options.

Ceceil Collins Pearcy is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding the Series 63 and Series 66 licenses and having six years of industry experience. Prior to joining J.P. Morgan in 2019, Pearcy worked at Ameriprise Financial Services. Outside of advising, Pearcy is a co-owner of Legacy Pine Investments LLC. J.P. Morgan Securities 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 affiliated brokerage and investment management capabilities.

Luke Peretti is a Series 66-licensed financial advisor with Fidelity Investments in San Antonio, TX. He has experience working at several firms, including Prolific and Hilltop Securities, and has held roles outside finance, such as with Aggieland Executive Transportation and Texas A&M University. He occasionally conducts research studies outside his primary advisory duties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm also serves multiple registered investment companies and delivers model portfolios using systematic methodologies across various investment vehicles.

Carey Moy is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2006 and previously worked at Mass Mutual Investors Services. Moy is the patent holder and silent partner of a company that produces a patented promotional and retail product. 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 supports its advisors with a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Jason Porter is a Series 66-credentialed advisor at Merrill with 17 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he holds a power of attorney fiduciary position related to client IRAs in San Antonio, Texas. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, along with comprehensive trading, account administration, and custody support.

Vijayakumari Kumarasamy is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she worked at Citigroup Global Markets starting in 1998. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, utilizing structured planning tools and market models, and manages approximately $2.74 trillion in client assets.

Richard Weld II is a financial advisor at Edward Jones in Shavano Park, TX, holding a Series 66 designation. He has over six years of prior experience at Rackspace Hosting and four years at Frost Bank before joining Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Steven Muldowney is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise and its affiliated entity since 2014. Outside of his advisory role, he is employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-assisted advice through a centralized consulting team.

Walter Tramontin is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is involved in event planning through Corporate Sports, etc LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Adriana Espinoza is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked at Usaa and held various positions in education and tutoring. Equitable Advisors serves a diverse client base, including individuals, retirement plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Jessica Abrego is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 credentials. Her career includes roles at SWBC Investment Company, Advisor Group, Merrill Edge, Charles Schwab, and USAA Investment Services Company. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a network of investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Brian Callahan is a financial advisor with RBC Capital Markets in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. He has worked with RBC Capital Markets Corporation since 2008. Outside of his advisory role, he serves on the boards of Landa Gardens, a local charity dedicated to garden development, and Planned Parenthood of San Antonio, where he provides financial recommendations related to endowment and general funds. RBC Wealth Management serves a broad client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies based on clients’ risk profiles, utilizing both in-house and third-party investment managers and a range of portfolio management and financial planning services.

Muttalib Ibrahim is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 credential and 16 years of industry experience. His prior roles include positions at USAA Investment Management Company and its affiliated financial advisory and planning services. Outside of finance, he is also a working actor involved in feature films, primetime television, soap operas, commercials, and independent films. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related 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 model portfolios and centralized operational infrastructure.

Carlos Benavides Jr. is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 66 designation and bringing 16 years of industry experience. His career includes roles at Merrill, Citigroup Global Markets, and Chase Investment Services Corp., with over a decade at both LPL Financial and IBC Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Kay Flores is a financial advisor at LPL Financial with six years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Northwestern Mutual Investment Services LLC and The Insurance Solutions Experts. Flores also serves as a notary in San Antonio, Texas. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolio programs, third-party asset management, and institutional platforms while utilizing a broad network of investment adviser representatives.

Craig Cross is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at CiTIGROUP and Frost Brokerage Services Inc. Craig Cross has worked at MML Investors Services, LLC and MassMutual Life Insurance Co since 2020. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various event-driven planning programs.

Mason Sommer is a financial advisor with Wells Fargo Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advisory work, he has ownership interests in two investment-related LLCs in Oklahoma City. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services with tailored recommendations supported by proprietary research and planning tools.

Jeffrey Lovas is a financial advisor with Cetera in San Antonio, TX. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Cetera and its affiliated entities since 2005 and operates Lovas Financial, where he provides tax services as a CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program structures and custodial relationships.