Ashley Pena is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2022, following prior roles at Galena Park Independent School District, Texas Bay Credit Union, and Roberts Wealth Management. Charles Schwab & Co., Inc. serves mainly high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios supported by ongoing research and due diligence.

Vinh Chu is a Planning Consultant at Fidelity Investment, where he focuses on building meaningful relationships with clients to develop comprehensive financial plans. He works closely with clients to translate their financial goals into actionable and measurable strategies, serving as a trusted advisor through disciplined planning, thoughtful analysis, and informed financial decision-making. His professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investment, an Onboarding Specialist at Vanguard, and a Personal Investor Brokerage Investment Professional at Vanguard. He holds an Arkansas insurance license, supporting his expertise in financial and insurance planning. Outside of his professional work, Vinh Chu has personal interests in cooking and baking, tennis, traveling, and volunteering.

Daniel Olano is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Morgan Stanley, having joined in 2025, and previously worked at Ameriprise and Northwestern Mutual. Outside of financial services, Olano has worked with the YMCA and the University of Houston. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning through direct and corporate agreements.

Diana De Leon is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and 15 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. 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, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-based financial planning agreements.

Karl Reed is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its related entities since 2005 and holds a Series 63 designation. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides comprehensive recommendation reports that incorporate research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist in retirement income planning.

Cameron Michalski is a financial advisor at Equitable Advisors in Houston, TX, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Equitable Advisors since 2014, following a tenure at AXA Advisors, LLC. Equitable Advisors serves individuals—including both non-high-net-worth and high-net-worth clients—as well as 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, utilizing both proprietary and third-party investment strategies.

Reva Azeez is a financial advisor with Mass Mutual Investors Services in Houston, TX, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked at Mass Mutual and its affiliate since 2008. Outside of her advisory role, she is also an insurance agent specializing in disability and health insurance. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved analytical tools and offering specialized planning programs such as divorce and estate-settlement planning.

Liam Doherty James is a financial advisor at Equitable Advisors in Houston, TX, holding a Series 66 designation with four years of industry experience. Prior to joining Equitable Advisors, he worked at Hawkins Laakso Wealth Management and has several years of experience in the restaurant industry. He is also affiliated with the Bauer College of Business. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm’s approach includes matching client risk tolerance to various advisory models and third-party asset managers, offering a diverse range of investment options including mutual funds, ETFs, and alternative investments.

Cesar Sosa is a financial advisor with Merrill in Houston, TX, holding a Series 66 credential and one year of industry experience. His prior work includes six years at Bank of America. Outside of his advisory role, he is a pianist at Iglesia Sin Limites, a local church in South Houston. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Juan Zaragoza is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab, he managed businesses including Zarca Roofing LLC and Zarca Services LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory with access to affiliated discretionary separately managed accounts and alternative investments.

Justin Bremer is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has 21 years of industry experience. He has been with Fidelity Investments since 2010 and has worked within various Fidelity divisions, including Fidelity Personal and Workplace Advisors. In addition to his advisory role, he teaches a university course at the University of Houston’s Bauer College of Business twice a week. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs. The firm serves retail and institutional investors and maintains a formal advisory role to multiple registered investment companies and fund-of-funds.

Katherine Cruz is a financial advisor at Merrill with 11 years of experience at the firm and 8 years in the industry. She holds a Series 66 designation and is based in Houston, TX. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Sergio Gomez is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and previously worked at Merrill and several other companies outside the financial services industry. Gomez is also involved with Tiras Wealth Management LLC as a team member managing an advisory business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Andrew Wolfe is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including at Dell Technologies and in the hospitality sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joanne Resh is a financial advisor with Mass Mutual Investors Services in Houston, TX, holding a Series 63 designation and bringing 26 years of industry experience. Her prior roles include positions at Metlife Securities Inc. and MassMutual Life Insurance Co. Outside of her advisory work, she is an owner of a rental property. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software to deliver collaborative, goal-oriented recommendations.

James Bank is a Financial Advisor at Merrill Lynch Wealth Management with eighteen years of experience in wealth management and institutional financial services. He began his career as a publishing research analyst covering small-cap industrials at Sidoti & Co. and later Citigroup. He then joined UBS Wealth Management as an equity specialist and advanced to serve as Head of Equity & Debt Syndicate and Head of UIT Sales & Product Development before his current role at Merrill. James holds a Bachelor of Arts degree from Pennsylvania State University and an MBA from the Fordham University Gabelli School of Business. He maintains FINRA Series 7, 24, 63, 66, 79, 86, and 87 registrations and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, James has interests in adventure sports, cooking, fishing, football, hunting, ice hockey, skiing, and spending time with his family.

Christopher Alaniz is a financial advisor at Merrill with a Series 66 designation. He has been with Merrill since 2024 and has held previous roles at Bank of America, N.A. and in educational institutions including the University of Houston Clear Lake and San Jacinto Community College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Rosa Llivina is a Financial Consultant currently working with Fidelity Investments since 2005. She has been assisting High Net Worth investors with developing, implementing, and monitoring financial plans. Prior to her current role, Rosa worked as a Financial Advisor at UBS Financial Services, Inc. from 2001 to 2005 and at Prudential Securities from 1998 to 2001. She holds insurance licenses in Arkansas and California. Outside of her professional work, Rosa has personal interests in pets, tennis, and traveling.

Charissa Skinner is a financial advisor at Edward Jones in Bellaire, TX, holding Series 66 and Series 63 credentials with 11 years of industry experience. She has been associated with Edward Jones since 1996. Outside of her advisory role, she is the owner of a rental property in Katy, TX. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Dat Tu is a financial advisor with Merrill and holds a Series 66 designation. He joined Merrill in 2025 and has prior experience at Bank of America dating back to 2022. Before entering the financial industry, he worked in various roles including at the University of Houston-Downtown and The Art Institute of Houston. 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 strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.