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 at LPL Financial with 12 years of experience in the industry. She holds the Series 66 designation and has worked at LPL Financial and AC Financial since 2014. In addition to her advisory work, she is involved with Anarte Gallery, an outside business activity based in San Antonio. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios, emphasizing both discretionary and non-discretionary strategies supported by research and technology tools.

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.

Miguel Aguilar is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with several construction and electrical firms and owns AMS Mechanical and Aggielar Management Solutions, both non-investment related businesses. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Roger Garza is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He is based in San Antonio, TX. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling methods such as Monte Carlo simulations as part of its financial planning process.

Meghan Rowntree is a financial advisor at Ameriprise with 19 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2018, including time with Ameriprise Financial Services, Inc. and Investment Professionals prior to that. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset criteria, providing detailed written recommendations on income sources, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement plans, primarily for clients with assets managed through Ameriprise.

Cesar Lopez Solorzano is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2018. Prior to that, he held positions at Wells Fargo Bank and UPS. J.P. Morgan Securities 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.

Ashley Chapman is a financial advisor at Wells Fargo Advisors with a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo Advisors in 2021, she worked at Wells Fargo Advisors PCG and Praxis Benefits. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu, including specialized services such as business-owner transition planning, sports and entertainment planning, and special-needs analysis, using Wells Fargo research and planning tools.

Hunter Weilbacher is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing one year of industry experience. His work history includes roles at MassMutual Life Insurance Co, Guardian, and New York Life, along with entrepreneurial experience owning and operating Weilbacher Brewery, LLC until its closure. He also works part-time as a delivery driver. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annually structured financial planning engagements using firm-approved analytical tools and educational seminars.

Massimo Gerosa is a financial advisor at Merrill in San Antonio, TX, holding Series 63 and Series 66 credentials with seven years of industry experience. His prior roles include positions at Texas Partner Bank and Wells Fargo. Outside of finance, he is a self-employed pianist and serves on the boards of the Crews Kolodzey Foundation and the Lockhart Economic Development Corporation. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Braxton Stofferahn is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 63 credentials and five years of industry experience. He has worked at MML Investors Services, Mass Mutual Life Insurance Company, Hornor, Townsend & Kent LLC, and Penn Mutual Life Insurance Company. In addition to his advisory role, he is an agent and owner involved in outside sales of life, disability, and health insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager solutions, with a focus on annual, collaborative financial planning engagements.

Emily Persyn is a financial advisor with Equitable Advisors in San Antonio, TX, holding a Series 66 designation and having 19 years of industry experience. She has been with Equitable Advisors since 2007, including its prior operation as Axa Advisors, LLC. Persyn serves as a board member of the Northside Education Foundation. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory models and third-party asset managers to tailor investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Andrea Miller is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 19 years of industry experience, all with Merrill since 2007. 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.

Adolph Lara is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His prior career includes roles at Victory Capital Advisers and multiple positions at USAA-affiliated firms spanning from 1994 to 2019. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Alfredo Santos Sr. is a financial advisor with Charles Schwab in San Antonio, TX, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at USAA Investment Management Company, USAA Financial Planning Services, and USAA Financial Advisors, Inc. since 2011. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its integrated Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and due diligence on alternative investments.