Armando Salas is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Cetera in El Paso, TX. His prior roles include positions at LPL Financial, The Vanguard Group, and TD Ameritrade. He is also involved as a financial planner with Gentry Partners Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial relationships.

Luis Gasca is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009. Outside of his advisory role, he has served as a campaign treasurer for a local political campaign. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Ricardo Tovar is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Accredited Wealth Management Advisor (AWMA) designation. The biography does not provide additional details about his experience, areas of expertise, education, or personal interests.

Roger Morgan is a financial advisor with J.P. Morgan Securities in El Paso, TX, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Mark Moreland is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Advisors and its affiliates since 2009, as well as at A. G. Edwards & Sons, Inc. prior to that. Outside of his advisory role, he owns a mineral rights partnership related to oil and gas royalties in El Paso, Texas. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and financial planning services using Wells Fargo research and planning tools. The firm offers a broad range of planning services tailored to clients meeting net-worth thresholds, including specialized areas such as business-owner transition and special-needs planning.

Joann Fontanez is a financial advisor at OSAIC with 15 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Fischer Wealth Management and Raymond James Financial Services. Fontanez also provides administrative assistance and support to financial advisors through registered client liaison roles at Strategic Wealth Position and M Financial Position. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to manage portfolios across a range of investment types.

Yvette Macias is a financial advisor with Morgan Stanley in El Paso, TX, holding a Series 66 designation and 14 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Andrew Cutler is a financial advisor at Charles Schwab with 8 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with various Charles Schwab entities since 2016. Outside of his advisory work, he also works as an independent yoga and fitness instructor. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and other managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a wide range of integrated brokerage, custody, and cash management solutions.

Priscilla Hernandez is a financial advisor at Charles Schwab with seven years of industry experience. Her background includes roles at The Vanguard Group, Robinhood Markets, and Colonial Life. She holds Series 63 and Series 66 credentials. Charles Schwab 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 both non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and a centralized operational structure.

Brian Mosher is a financial advisor with Edward Jones in El Paso, TX, holding the CFP® designation and Series 63 and 66 licenses. He has 21 years of industry experience, all with Edward Jones since 2004. Outside of his advisory work, he co-owns a rental property with his father, who manages its day-to-day operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options, supported by a nationwide network of over 23,000 advisors. The firm operates under a fiduciary standard and offers various managed solutions, separately managed accounts, and affiliated investment products.

Laura Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses. She has been with Wells Fargo Bank and its affiliates since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, performance reporting, and participant education.

Kevin Oneill is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Cetera and Equitable Advisors. Additionally, he is involved in his own financial services businesses, Kevin Patrick O'Neil Financial Services and Kretmo LLC, and is an agent for fixed insurance products. 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 offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with an investment approach that includes model portfolios, discretionary and non-discretionary strategies, and various tactical options.

James Lemaster is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He serves as a board member of the YMCA in El Paso, Texas, and has ownership in a private aircraft through Air Conejos Inc. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside a variety of retail and institutional investment services.

Sandra Serrano is a financial advisor with Wells Fargo Advisors in El Paso, TX, holding Series 63 and Series 66 designations and 20 years of industry experience. She has worked at Wells Fargo Advisors for multiple periods totaling over a decade, with brief intervals away from the firm. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu and uses proprietary research, tools, and models to develop tailored recommendations, which clients may implement through various brokerage or advisory options.

Clarissa Delgado is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James & Associates and Bank of America, N.A. Outside of her advisory role, she is a 50% owner of two for-profit businesses in Mexico related to natural supplements, which are managed by her husband, and she also works as a consultant selling kitchen appliances. 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. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Raul Bencomo Jr. is a financial advisor with Raymond James Financial, holding a Series 66 designation and 21 years of industry experience. He previously worked at Ameriprise Financial Services LLC for nine years before joining Raymond James in 2025. Outside of his advisor role, he also works as an independent contractor managing client investment accounts for Fischer Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Carolyn Mora is a CFP® certified financial advisor with 29 years of industry experience, currently affiliated with Cetera. She has held previous roles at Avantax and HD Vest, and she also operates a CPA firm providing tax and accounting services to small businesses and individuals. Mora serves on the committee for the Catholic Diocese of El Paso’s Priest Retirement Fund. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through a multi-manager platform with various program options and custodial relationships.

John Tapper is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Tapper has ownership in a rental property business in Rio Rancho, New Mexico. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives.

Salvador Chavez is a Series 66 credentialed financial advisor with 18 years of experience. He has worked at LPL Financial since 2022 and previously held roles at Tfcu, Swbc Investment Services, BBVA Compass Investment Solutions, and Wells Fargo Investments. 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 wide range of advisory and brokerage services, including financial planning and model portfolio programs, with access to third-party asset management and institutional platforms.

Stephen Shaw is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63, 65, and 66 licenses. His prior experience includes roles at First Command Advisory Services and Charles Schwab. Outside of his advisory work, Shaw serves as an Army National Guard officer, holds a seat on the board of the El Paso Finance Housing Corporation, and is a managing member of local retail food and coffee businesses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory and financial planning services, including retirement plan consulting. The firm operates on a large scale with over $670 billion in assets under management and more than 14,000 financial advisors, offering a combination of brokerage and advisory solutions.