Carlos Benavides Jr. is a financial advisor at LPL Financial in San Antonio, TX, with 16 years of industry experience and a Series 66 designation. He has worked at IBC Bank and LPL Financial since 2015. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Kay Flores is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining LPL Financial in 2023, Flores worked with The Insurance Solutions Experts, Northwestern Mutual Investment Services LLC, and Fernando Suarez. Flores also serves as a notary in San Antonio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Joshua Velasquez is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and currently has one year of industry experience. Prior to joining Wells Fargo, he worked at UniFirst Corporation for eight years and was involved with the E-Train Baseball Organization for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through a range of 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 analytics.

Craig Cross is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at MML Investors Services, MassMutual Life Insurance Company, Citigroup, and Frost Brokerage Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and provide written recommendations.

Matthew Kim is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2025, he worked at USAA and Chase Wealth Management. Outside of finance, he performs as a bassist and vocalist in an 80’s New Wave cover band. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager selection, and customized reporting through a non-discretionary service model. The firm combines quantitative modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.

Wendy Russell is a financial advisor with LPL Financial based in San Antonio, TX. She holds a Series 66 designation and has 14 years of industry experience. Prior to joining LPL Financial in 2024, she worked at USAA and USAA Financial Advisors Inc. from 2005 to 2024. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

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.

Kevin Gray is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. He has been with Equitable Advisors since 2012, including its predecessor Axa Advisors, Llc. Gray is also involved in a rental property business outside of his advisory role. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to clients’ goals, risk tolerance, and time horizon.

Karla Orduna is a financial advisor at UBS Financial Services in San Antonio, TX, with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with UBS since 2012. Outside of her advisory role, she manages two residential rental properties in San Antonio. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management, offering a broad range of financial products and services.

Guadalupe Gonzalez is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, Guadalupe works directly with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. Guadalupe provides ongoing advice and adjusts strategies as clients' situations change. Guadalupe holds a Bachelor's Degree from the University of Michigan and has earned the Personal Investment Advisor (PIA) designation. This education and credential support Guadalupe's work in financial planning and investment advisory services.

Camille Holland is a financial advisor with Edward Jones in San Antonio, TX, holding a Series 66 designation and 13 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristen Palme is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 63 designation and 27 years of industry experience. She has been with Ameriprise since 2005, initially with Ameriprise Financial Services, Inc., and continues her role through the main firm since 2020. Outside of her advisory work, she serves as president of the Junior League of San Antonio and is a board member of the North East Educational Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning centered on dependable income and tax-aware withdrawal strategies for clients nearing or in retirement.

Reginald Reid is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 66 and Series 63 licenses and 13 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2014. Outside of his advisory role, Reid is a partner in Qulture Lounge LLC, a restaurant and bar in San Antonio, and owns RLR Financial LLC, a tax preparation service specializing in individual 1040 tax returns. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Jesse Jaco is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and 65 licenses and four years of industry experience. His prior roles include positions at Frost, Wells Fargo Bank, N.A., and JPMorgan Chase Bank, N.A. He is also involved with Jaco Strategies LLC. J.P. Morgan Securities LLC 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 strategies.

Benjamin Shields is a financial advisor with Ameriprise Financial Services LLC in San Antonio, TX, holding Series 63 and Series 65 licenses and 19 years of industry experience. Prior to joining Ameriprise in 2024, he worked at Hartford Funds Distributors, LLC for 12 years. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to provide tailored, algorithm-supported retirement income advice.

Reynaldo Castro Jr. Jr. is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with UBS Financial Services since 2010 and has worked with UBS International Inc. since 2005. Outside of advisory work, he is the proprietor of KREY Retreats LLC, a ranch holding company based in San Antonio, Texas. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based planning, portfolio management, and capital markets services supported by proprietary research and model-based asset allocation.

Alexandra Cavazos is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 66 credential and bringing 7 years of industry experience. She has been with LPL Financial since 2014 and also operates Anarte Gallery, an outside business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

David Coolbaugh is a financial advisor at Fidelity with Series 63 and Series 66 credentials and 35 years of industry experience. His prior roles include positions at Citigroup and USAA Investment Management Company. Fidelity’s Strategic Advisers LLC, where he works, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Thomas Gallagher is a financial advisor with Mass Mutual Investors Services in San Antonio, TX. He holds the CFP® and ChFC® designations and has 27 years of industry experience. His prior roles include positions at MML Distributors, LLC and Mass Mutual Life Insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software tools to analyze client goals and deliver written recommendations.