Ryan Peeples is a financial advisor with Merrill in Houston, TX, holding a Series 66 designation and nine years of industry experience. His career includes roles at Bank of America, N.A., Merrill, Mass Mutual Investor Services, Massachusetts Mutual Life Insurance Company, and MSI Financial Services. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darin Freshour is a CFP®-certified financial advisor with 26 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for JP Morgan Chase Bank, N.A. and JP Morgan Securities LLC for nine years. He serves as secretary for the Woodlane Forest Homeowners Association in Conroe, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and offers both non-discretionary and discretionary fiduciary services, with a notable inclusion of insurance-related investment options.

Eduardo Rihan is a financial advisor with J.P. Morgan Securities in Houston, TX, holding a Series 66 designation. He has been with the firm and JPMorgan Chase Bank, N.A. since 2026. Prior to joining J.P. Morgan Securities, he held roles at several firms including North Node Capital Management and Galileo Investment Management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jesse Vaughn II is a financial advisor at Morgan Stanley with 15 years of industry experience. He previously worked at Edward Jones for 15 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Vaughn holds a Series 66 designation. Outside of his advisory role, he owns and manages a commercial building in Royse City, Texas. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Myrna Agris is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. In addition to her advisory work, she serves as a trustee for managed accounts and occasionally drafts wills, durable powers of attorney, and healthcare documents. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by firm-approved tools and offers both retail and institutional investment services.

Stacy Langford is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2010, following prior roles at UBS Financial Services, LPL Financial, and Osaic FA, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Carlos Gonzalez is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2015, also working at JPMorgan Chase Bank, N.A. since 2018. 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 delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Austin Cox is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities, he held positions at Fidelity Investments and Statesman Business Advisors. Outside of his advisory work, he has experience in the hospitality sector, including a role at Willy’s Pub. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses a combination of quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework to guide its recommendations, which are delivered on a non-discretionary basis.

Andrew Copulsky is a financial advisor with LPL Financial in Houston, TX, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Sanders Morris LLC, OSAIC Services, Inc., and American General Securities Incorporated. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Kay Kelley is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and three years of industry experience. She has worked at Wells Fargo Bank and Chase Bank prior to her current role. 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 offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and a range of financial products through its bank and insurance affiliates.

Abisola Lockhart is a financial advisor at Edward Jones in Houston, TX, holding a Series 66 designation with six years of industry experience. Her prior work includes roles at Ameriprise Financial Services and Target Corporation. Outside of her advisory work, she is involved in grocery shopping services on weekends. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of more than 23,700 financial advisors. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Lance Allen is a financial advisor with Ameriprise, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Cetera, Heritage Bank, Edward Jones, and DWS Investments Distributors. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Joann Bernhart is a financial advisor with Wells Fargo Clearing in Pleasanton, TX, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Michael Smith is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at UBS Financial Services Inc. Outside of his advisory work, Smith is a self-published author of a fantasy novel. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Lyndsey Walters is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds the Series 65 and Series 63 licenses and has worked at Wells Fargo in various capacities since 2011. 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 offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Michael Trahan is a financial advisor at UBS Financial Services with 36 years of industry experience. He has been with UBS since 1999 and holds a Series 63 designation. Based in Houston, TX, he has spent over two decades with his current firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research-driven strategies tailored to clients’ goals and risk tolerances.

Jessica Delany is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, she holds a 50% ownership in CASA AMIGOS, LLC. 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 solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Richard Dvorak is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns Illuminate Business Advisors, a consulting business focused on helping financial advisors and businesses improve hiring, training, communication, and processes. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Judi Underwood is a Wealth Management Advisor and founding partner of Aber & Leedy Wealth Management. She has over 35 years of experience in wealth management and banking, with the last 25 years at Merrill Lynch Wealth Management. Judi focuses on helping high net worth individuals and retirees manage various aspects of their financial lives by customizing wealth management plans that address their unique financial goals. Her expertise includes tax-efficient strategies for concentrated stock positions, retirement and wealth transfer planning, charitable giving strategies, and family educational planning. Judi holds a Bachelor's Degree in Management from Hodges University and earned the CERTIFIED FINANCIAL PLANNER® (CFP®) certification in 2008, awarded by the Certified Financial Planner Board of Standards, Inc. She emphasizes building strong client-advisor relationships and works in coordination with clients' accounting and legal professionals to implement comprehensive, tax-efficient financial strategies. Judi resides in Punta Gorda with her husband Jeff and two daughters and enjoys baseball, cooking, football, traveling, and spending time with her family.

Laura Jaco is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses. She has worked at Wells Fargo Bank since 2019 and previously spent 25 years at Southwest Airlines. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process includes both discretionary and non-discretionary services, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.