Rachel Havins currently serves as a Wealth Management Planning Consultant at Fidelity Private Wealth Management. In her role, she focuses on improving the efficiency of client interactions by Wealth Management Advisors. She emphasizes customer care and service, fostering a transparent team environment to instill confidence in clients regarding their financial questions and planning. Her professional experience includes roles at Fidelity Investments as a Planning Consultant since 2023, Relationship Manager from 2021 to 2023, and Financial Representative from 2020 to 2021. Prior to that, she worked as a Financial Associate at Edward Jones from 2018 to 2019. Outside of her professional responsibilities, Rachel has interests in beach activities, fishing, gardening, horseback riding, and music.

John Eyster is a financial advisor with LPL Financial in Dickinson, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at CUNA Mutual Group, Comerica Securities, and Lincoln Financial Distributors. He serves as a temporary director on a nonprofit board. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management solutions, combining extensive platforms with operational and research support tools.

Austin Stewart is a financial advisor at Morgan Stanley based in Houston, TX, with 14 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, following six years at Invesco Advisers, Inc. Outside of his advisory role, Stewart owns and operates a catering business in Houston. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Kristi Trevino is a CFP® and ChFC® credentialed financial advisor with 10 years of industry experience. She has been with Edward Jones since 2018 and previously worked at Durrett Motor Company/Texas Star Financial from 2011 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fees, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Jennifer Vann is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and 16 years of industry experience. She has been with Morgan Stanley since 2010 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Lindsay Prewitt is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on helping individuals and families navigate financial decisions by centering strategies on their core values and evolving priorities. Lindsay has expertise in areas including college education planning, retirement income, philanthropic planning, taxation minimization, and portfolio management. She also provides specialized services for endowments, foundations, non-profits, and addresses needs in LGBT wealth planning and managing new wealth. Prior to her financial services career, Lindsay worked in education, which enriched her approach to client relationships through patience, communication, and empowering others. Lindsay holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and earned her degree from the University of Texas. Outside of her professional work, she engages with Houston's arts and cultural communities and enjoys golfing, pottery, running marathons, and yoga.

Landon Durham is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Transamerica Life Insurance Company, Lincoln Financial Distributors, and Paychex, among other firms. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process emphasizing asset allocation and portfolio optimization.

Jiaying Zhao is a financial advisor at Cetera with five years of industry experience. Zhao holds Series 65 and Series 63 licenses and has worked at firms including HSBC Securities (USA) Inc. and East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with various program options and custodial arrangements.

Sunshine Coddou is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm‑approved tools, serving a broad range of clients through various specialized strategies.

Erika Sanborn is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and having 11 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery processes and advanced modeling techniques.

Sheena Young is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model financial outcomes.

Marcia Miller is a financial advisor at J.P. Morgan Securities in Houston, TX, with three years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, Inc. and Ascension Capital Advisors. Outside of finance, she owns and operates East End Bows, a business that produces and sells baby clothing and headwear. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting.

Matthew Kardesch is a financial advisor with Ameriprise in Houston, TX, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Kardesch is also involved with TPKV Financial, LLP, a partnership formed to sign an office lease. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Their approach includes customized Recommendation Reports supported by investment research and algorithmic tools, with enrollment requiring a minimum level of investable assets.

William Todd is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked at PFS Investments, Inc. since 2009 and has been associated with Primerica Financial Services since 2006. Outside of investment advisory, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients, operating under a tiered wrap-fee structure and utilizing third-party asset managers.

Adam Stovall serves as Senior Resident Director and Wealth Management Advisor at Merrill. He began his financial services career in 1998 and has been with Merrill for over 26 years. In his current role, Adam assists clients in building wealth management strategies tailored to their individual needs, focusing on areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, special needs planning strategies, tax minimization, and retirement income. Adam holds a Bachelor's Degree from Sam Houston State University (SHSU) and is a Certified Financial Planner (CFP), a Chartered Retirement Planning Counselor (CRPC), and a Certified Exit Planning Advisor (CEPA). He is also a Personal Investment Advisor (PIA) and is affiliated with the organization Future Farmers of America (FFA). Adam follows the tradition of community participation and spends time volunteering with local organizations. His personal interests include biking, boating, camping, cooking, fishing, football, golfing, hiking, hunting, and music.

Jeffrey Stein is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Stein serves on the Investment Committee of the Holocaust Museum Houston Foundation, overseeing the administration and management of the Foundation’s assets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning services to individual 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 modeling techniques.

April Richardson is a financial advisor at LPL Financial with 19 years of industry experience. She holds the Series 66 credential and previously worked at Edward Jones for five years before joining LPL Financial in 2012. Outside of her advisory work, she is a business owner who sells her paintings. 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, model portfolio programs, and institutional platforms, supported by both proprietary research and third-party subadvisors.

Mark Gamez is a Financial Consultant who currently works with local families, individuals, and business owners to understand their long-term financial and personal goals. He partners with clients to develop comprehensive and detailed financial plans aimed at achieving those goals. He has been a Financial Consultant at Fidelity Investments since 2020. Prior to that, he served as a Financial Consultant at TD Ameritrade from 2018 to 2020 and as an Investment Consultant at Scottrade from 2014 to 2018.

Jesse Hita III is a financial advisor with Charles Schwab in Houston, TX, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His career includes roles at Charles Schwab Bank, SSB since 2018 and Velocity Credit Union from 2016 to 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to affiliated discretionary separately managed accounts. The firm’s integrated structure provides clients with advisory, brokerage, custody, and cash-sweep services on a large scale.

Fidel Trejo Erazo is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at UBS Financial Services for 39 years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates advanced modeling tools.