Stephen Carmona is a Financial Consultant at Fidelity Investments, a position he has held since 2026. He focuses on deepening new and existing client relationships through financial planning and collaborates with clients to develop strategies tailored to their unique financial needs. Stephen has been with Fidelity Investments since 2020, progressing through several roles including High Net Worth Associate, Workplace Planning Consultant, and Planning Consultant. This experience has provided him with a comprehensive understanding of financial planning services across different client segments. Outside of his professional work, Stephen has interests in baseball, beach activities, football, music, and traveling.

Patrick Condon is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Morgan Stanley since 2009 and is also affiliated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Homero Guerra is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to his current role, he spent 29 years at the American Bureau of Shipping. Outside of finance, he owns HM Residential Services LLC, a home services business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited separately managed account options primarily for individual and high-net-worth clients. The firm employs an independent due-diligence process to select asset managers and uses a tiered wrap-fee structure for its services.

Daniel Marin is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of advisors.

Damian Lopez is a financial advisor at J.P. Morgan Securities in Houston, TX, holding a Series 66 designation with one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he held various roles in the hospitality and education sectors, including positions at Hash Kitchen and Pasadena Independent School District. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Peter De Luna is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 designations and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has a longer tenure at Wells Fargo Bank, N.A. beginning in 2004. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Beaumont Boyce Jr. is a financial advisor with LPL Financial in Houston, TX, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at Hightower Advisors and Raymond James & Associates, Inc. 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 portfolio programs, third-party asset management, and institutional platforms.

Macey Jakubik is a Financial Consultant at Fidelity Investments, where she partners with clients to develop personalized and holistic financial plans aimed at achieving their short-term and long-term financial goals. She focuses on understanding each client's unique situation to implement tailored strategies that provide confidence and peace of mind. Her professional experience includes roles at Fidelity Investments as a Financial Consultant since 2023, Investment Consultant from 2022 to 2023, and Relationship Manager from 2021 to 2022. Prior to that, she worked as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2021, and completed internships at both Fidelity Investments in 2018 and Merrill Lynch in 2017.

Edwin Rivera is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and six years of industry experience. His prior roles include positions at JP Morgan Securities LLC and New York Life Insurance Company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Frederick Korfeh Tommy is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 credentials and bringing three years of industry experience. His prior roles include positions at Wells Fargo Bank, NA, Automatic Data Processing (ADP) LLC, and Liberty Tax Service. 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 provides a blend of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Jarrid Hicks is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Investments, LLC from 2008 to 2011. Outside of his advisory role, Hicks owns and operates a business involved in the sales and transfers of firearms. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, drawing on research from Wells Fargo Investment Institute and emphasizing diversification and modern portfolio theory in its approach.

Robert Devautour III is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has held prior roles at Merrill, Bank of America, Starfox Financial Services, and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Justin Boudreau is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Bank NA since 2011. Boudreau has been with Wells Fargo Clearing since 2016, based in Houston, TX. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to support its investment approach.

Walter Sticker is a financial advisor at Primerica Advisors in Killeen, TX, holding Series 63 and Series 65 licenses with three years of industry experience. His prior roles include positions at Primerica Financial Services, Tim Thompson/Farmers Insurance, Combined Insurance, and AFlac. Outside of his advisory work, he serves as a sports official for the Texas State Officials Association, committing approximately 16 hours per month. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure while maintaining oversight of model selection and implementation.

Gabriela Hernandez is a financial advisor at Morgan Stanley in Houston, TX, holding Series 65 and Series 66 licenses with five years of industry experience. She previously worked at Goldman Sachs and VALIC Financial Advisors. Outside of finance, she has been involved with Piranha Fitness Studio. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and maintains a broad range of investment and financial strategies.

Detarius Williams is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His work history includes roles at Wells Fargo Clearing Services, Bank of America, Merrill, and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Whaley Jr. is a financial advisor at OSAIC with 33 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. His prior roles include positions at Woodbury Financial Services, Questar Asset Management, and Questar Capital Corporation. Additionally, he manages life insurance sales and serves as a trustee overseeing agricultural and commercial property investments. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios, and supports both discretionary and non-discretionary account management.

Margaret Kirby is a Wealth Management Advisor at Merrill Lynch Wealth Management in Houston Downtown. She focuses on total wealth management, providing solutions for personal and business finances, as well as foundations and endowments. Margaret works with clients to understand their risk tolerance, time horizon, liquidity needs, investment goals, and associated costs to develop tailored strategies. She meets regularly with clients to review progress and ensure their financial plans align with their current circumstances. Margaret has been with Merrill Lynch Wealth Management since 1997 and holds the Certified Investment Management Analyst (CIMA) designation from The Investments & Wealth Institute, where it was taught in conjunction with The Wharton School of Business. She is also recognized as a CERTIFIED FINANCIAL PLANNER (CFP) professional by the Certified Financial Planner Board of Standards, Inc. Margaret earned her bachelor's degree from the University of Texas. Beyond her professional role, Margaret is active in numerous charitable organizations in the Houston area. She has been involved with organizations such as the Jr League of Houston, the Breakfast Club, and the River Oaks Blossom Club. Outside of work, her personal interests include antiquing, gardening, reading, and tennis.

Mark Cavazos is a financial advisor at Equitable Advisors in Houston, TX, holding a Series 66 designation with 19 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor Axa Advisors, LLC. Outside of his advisory role, he is a 50% owner and manager of Bay Area Private Wealth Group, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, relying on third-party program sponsors and affiliated asset managers for implementation.

Jonathan Davis is a financial advisor with J.P. Morgan Securities in Houston, TX, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Briar Capital, JPMorgan Chase Bank, Amegy Bank/Zions Bancorporation, Merrill, Bank of America, Raymond James Financial, and LPL Financial. Outside of his advisory work, he is the owner and partner of Opulent Oasis Realty Acquisitions LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset allocation advice, investment manager and fund searches, and customized performance reporting delivered on a non-discretionary basis. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in assembling investable universes and recommending strategies.