Ellina Cheney is a financial advisor at TIAA-CREF with 8 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Valic Financial Advisors, Edward Jones, and Liberty Mutual Insurance Company. Cheney has been with TIAA-CREF since 2019. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and corporate entities. The firm’s advisory approach distinguishes between one-time financial planning services and ongoing portfolio management, using both model and customized portfolios under a fiduciary standard.

Jesus Maymi is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has been affiliated with Transamerica since 2012 and is also an author and motivational speaker, writing self-help books and serving as president of Empowered Life Ministries. His work includes ministry activities and writing, including the publication of "A Coming Man's Devotional." Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm delivers services through a large advisor network and multiple program platforms, employing model portfolios and third-party managers to implement its advisory model.

Trajko Papuckoski is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fisher Investments, Farmers Financial Solutions, Cetera Wealth Services, and Keeley Asset Management. Outside of his advisory role, Papuckoski serves as a board member for The Nativity of the Blessed Virgin Mary Macedonian Orthodox Church and participates in the financial committee of Saints Constantine & Helen Antiochian Orthodox Church. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and corporate entities, often serving clients with existing relationships through TIAA retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, offering both model and customized portfolios while applying a fiduciary standard across its services.

Joia Allen is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF in 2026, she worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC from 2022 to 2026. TIAA‑CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model portfolios and customized strategies.

Michael Foster is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with TIAA and TIAA-CREF since 2005. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers model and customized portfolios under a fiduciary standard and serves clients often connected through TIAA-administered retirement plans.

Antonio Sosa is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and nine years of industry experience. He has been with TIAA and its affiliated entities since 2017 and previously worked at Texas Tech University from 2011 to 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm operates with a fiduciary standard for its RIA services and offers both model-based and customized portfolio management within a vertically integrated structure that includes affiliated funds.

Eric Mcintyre is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with TIAA-CREF since 2015. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing relationships through TIAA-administered retirement plans. The firm’s advisory model distinguishes one-time planning services from ongoing portfolio management, and it acts as adviser to a donor-advised fund while operating within a vertically integrated structure that includes affiliated funds.

Judith Espinosa is a CFP® professional with three years of industry experience, currently serving as a wealth advisor at Schwab Wealth Advisory. Her prior roles include positions at Charles Schwab Investment Management and TD Ameritrade Inc. She is based in Westlake, Texas. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab & Co. The firm’s approach involves goal- and risk-based recommendations using proprietary asset-allocation models and a range of investment options, executed only with client authorization.

Aaron Harvey is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and with 20 years of industry experience. He has worked at several firms including Charles Schwab, Investment Professionals Inc, Cambridge Investment Research Advisors, CIM Wealth Advisors, and Edward Jones. Outside of his advisory work, he is the sole owner of 3 Up 3 Down LLC, a small business focused on buying and selling sports trading cards online. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to deliver tailored recommendations without exercising discretionary trading authority.

Saul Ruiz is a financial advisor at TIAA-CREF with seven years of industry experience. He holds the Series 66 designation and has previously worked at Fisher Investments, Kaplan, Vanguard Advisers, Charles Schwab, Best Buy, and Wal-Mart. He is based in Frisco, TX. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management under a fiduciary standard through various managed account programs.

Michelle Hahn is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. Prior to this, she worked for Ausdal Financial Partners, Inc. for seven years and has been involved with CFO4Life since 2017. She serves on the finance committee of Trietsch Memorial United Methodist Church, where she participates in reviewing and approving the church’s financials. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset allocation models and internal research tools. The firm offers tailored, at-least-annual reviews and does not exercise discretionary trading authority.

Jared Eichler is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab & Co., Inc., State Farm VP Management Corp, Ben Archer Insurance Agency, Edward Jones, and Central Texas Orthopedic Products. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach utilizes proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Myles Hernandez is a CFP®-certified financial advisor with six years of industry experience, currently with Schwab Wealth Advisory in Westlake, TX. He has held previous roles at Steward Partners Investment Advisory, Raymond James Financial Services, and worked within Charles Schwab & Co., Inc. since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach centers on asset allocation and investment selection guided by internal research tools and standard models, with client authorization required for trade execution.

Elysa Flores is a financial advisor at Mariner in Plano, TX, holding a Series 65 credential. She has been with Mariner since 2023 and has prior work experience outside the industry at Baskin Robbins. Elysa’s background includes several years as a full-time student before entering the advisory field. Mariner serves a broad range of clients including individuals, trusts, and institutional investors by offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm combines in-house research with third-party managers and provides integrated tax and accounting services alongside traditional portfolio management.

Timothy Aragon is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His work history includes roles at Transamerica Investors Securities Corporation, TRANSAMERICA Retirement Solutions, State Farm VP Management Corp., and Justin Kenney Insurance Agency. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs that provide managed investment advice and education. The firm leverages Morningstar Investment Management’s proprietary tools and model portfolios to deliver asset allocation and retirement planning guidance, primarily focusing on non-discretionary assets across a large client base.

Harris Pugh is a financial advisor at TIAA-CREF in Frisco, TX, holding Series 63 and Series 65 licenses. He has one year of industry experience, including prior work at Fisher Investments. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm’s advisory model distinguishes between point-in-time planning and ongoing portfolio management, applying a fiduciary standard within a vertically integrated structure that includes affiliated funds.

William Ferguson is a CFP® professional with six years of industry experience, currently serving at Focus Partners Wealth, LLC. His prior roles include positions at Raymond James Financial Services and Ameriprise Financial Services. He volunteers as a Career Development Committee Member for the Financial Planning Association's Dallas/Ft. Worth Chapter, helping organize professional events and speakers. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients with a comprehensive range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that blends active and passive strategies within an enhanced open architecture framework.

Brigette Parnell is a financial advisor at Corient with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Quasar Distributors, LLC, Minshall & Company, Inc., and Capital Advisors, Inc. Corient provides investment advisory and financial planning services to a diverse client base that includes individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions and employs risk management tools and stress testing to align portfolios with client objectives.

Laura Lightbourn is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Her prior work includes roles at Charles Schwab Bank SSB and SwimPro, LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to offer tailored recommendations based on client goals and risk tolerance.

Jeffrey Shadd is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining TIAA-CREF, he worked at Fidelity Investments and Fidelity Distributors Company LLC. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, frequently serving clients with existing employer retirement plan relationships. The firm offers both point-in-time planning and ongoing portfolio management, including customized and model-based solutions, while acting as adviser to a donor-advised fund within a vertically integrated structure.