Bruce Zubia is a Financial Advisor associated with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial priorities and develops tailored strategies aimed at achieving their short-, mid-, and long-term goals. He offers guidance across various areas including general investing, retirement planning, and risk management. Additionally, he facilitates access to specialists at Bank of America for banking, credit, home financing, and small business solutions. Bruce holds the Professional Investment Adviser (PIA) designation and earned his Bachelor's Degree from New Mexico State University. His approach focuses on understanding what matters most to each client and their family to create personalized financial strategies. He remains engaged with clients through ongoing advice and support as their needs evolve.

Darrell Pennington is a financial advisor with Ameriprise in Houston, Texas, holding a Series 63 designation and over 30 years of industry experience. He has been with Ameriprise and its predecessor firms since 1995. Outside of his advisory role, he serves on the board of directors for the nonprofit organization myLIFEspeaks. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, providing tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with an algorithm-driven approach overseen by a dedicated team, emphasizing Ameriprise-managed accounts and products from affiliated firms.

Xiaoqing Mathews is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012, including time at JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to clients such as 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 brokerage and investment management capabilities.

Benjamin Cordero is a financial advisor at Ameriprise with five years of industry experience. He holds the Series 66 designation and previously worked at Ham, Langston & Brezina L.L.P. and in the hospitality sector. He is also employed by DGW Worldwide, LLC, where he manages an advisory business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning, tax-aware withdrawal strategies, and Social Security claiming options.

Francis Fontana is a financial advisor with Primerica Advisors in League City, TX, holding Series 63 and Series 65 licenses and with 39 years of industry experience. He has been with Primerica Advisors since 1986 and associated with Primerica Financial Services since 1985. Outside of advising, he is involved in sales of loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm uses third-party asset managers and offers a tiered wrap fee structure, focusing on curated investment models rather than institutional plan management.

Don Uptegraph Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been part of Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets. Outside of his advisory role, he is a member of Aruka Camp LLC, a deer hunting lease in Houston, Texas. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

John Penaflorida II is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked at Cetera since 2019, following two years at Foresters Financial Services and three years at Bellhops. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary account structures.

Hannah Berthet is a financial advisor at Fidelity with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity and Fidelity Brokerage Services since 2015. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including portfolio management and fund advisory. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with a focus on model portfolios built from mutual funds, ETFs, and ETPs.

Elizabeth Coello is a financial advisor at Morgan Stanley in Houston, Texas, with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley for 10 years. Outside of her advisory role, she is involved with the Houston Livestock Show and Rodeo, contributing to rodeo and educational scholarship activities, and serves as a Notary Public for the State of Texas. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Arturo Castelan is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses and four years of industry experience. His background includes roles at Fidelity and Wells Fargo Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds and model portfolios delivered to intermediary platforms.

Armando Navarro is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and with 13 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at BBVA Wealth Solutions Inc., BBVA Securities Inc., and COMPASS Bank. He has been affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, with a broad range of retail and institutional investment products.

Allan Lebiga is a financial advisor at Mass Mutual Investors Services with 26 years of experience in the industry. He holds Series 63 and Series 65 credentials and has worked at Mass Mutual Investors Services since 2017 and Metlife Securities Co. from 2002 to 2017. Outside of his advisory role, he has experience as an owner of rental property in Pearland, TX. MassMutual Investors Services, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative planning approach using firm-approved tools and delivers written recommendations tailored to clients' goals.

Andrew Hemingway is a financial advisor at LPL Financial with five years of industry experience. He holds a Series 66 designation and has worked previously at First Command Advisory Services and affiliated firms for three years. Outside of advisory work, he manages a mineral interest business through Sooner OG, L.L.C. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management utilizing model portfolios, third-party subadvisors, and its own research.

Genesis Loera is a financial advisor with MassMutual Investors Services, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 14 years of industry experience and has been with MassMutual Investors Services since 2012. In addition to her advisory role, she serves as a board member for the Tejano Center for Community Concerns, a nonprofit supporting underserved communities in Houston. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes ongoing, collaborative financial planning using firm-approved analysis tools and offers a range of investment and educational programs.

Tamara Stoerner is a financial advisor with Merrill in Houston, TX, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. She has been with Merrill Lynch since 2008. Outside of her advisory role, she works as a personal assistant for a for-profit organization in Houston, dedicating approximately nine hours monthly to those duties. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kristin Haynes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in helping clients align their financial lives with what matters most to them through thoughtful planning and real dialogue, creating financial plans tailored to their unique needs. Kristin's expertise spans college education planning, family wealth management, legacy planning, personal retirement planning, and socially responsible investing, among other areas. She works closely with clients to navigate financial changes with empathy and professional guidance. Kristin holds a Bachelor's Degree from the University of Houston and professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Special Needs Consultant (ChSNC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). Her approach emphasizes fiduciary responsibility, risk-managed investments, and support for families through major life events and special needs planning. In addition to her professional work, Kristin participates in community organizations such as the American Heart Association, Bay Area Turning Point, and Houston Food Bank. Her personal interests include baseball, cooking, dancing, golfing, hiking, music, reading, spending time with family, traveling, and writing.

Sam Stritchko is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. He has been with MassMutual-related firms since 2020 and previously worked at the University of Houston - Clear Lake. Outside of his advisory role, Stritchko is also a mortgage loan originator, assisting homebuyers with mortgage applications and lender comparisons. MassMutual 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, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-based planning without investment discretion.

Jessica Dietert is a financial advisor with Merrill, holding Series 66 and Series 63 licenses, and has three years of industry experience. She previously worked at J.P. Morgan Securities and Jpmorgan Chase Bank, and served six years in the United States Air Force. 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 plans, corporations, and charitable organizations.

Donald Whitehead Jr. is a financial advisor with Morgan Stanley in Bellaire, TX, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Whitehead also serves as a trustee for multiple investment-related trusts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Kelly Fuller is a financial advisor with Primerica Advisors in Houston, TX. She holds Series 65 and Series 63 credentials and has eight years of industry experience. Fuller has worked at Primerica Advisors since 2014 and also has a long-term role at Houston Community College. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and uses model-delivery strategies developed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.