Jeffrey Aboloff is a financial advisor at UBS Financial Services with 36 years of industry experience. He has been with UBS since 1989 and holds the Series 63 designation. He also serves as a FINRA arbitrator. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market insights.

Karl Breitenstine is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America since 2012 and 2013, respectively. Outside of his advisory role, he is a co-owner of a family-run rental property business in San Antonio, Texas. 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, offering model-based and discretionary strategies for a range of individual and institutional clients.

John Alarcon is a Series 66 licensed advisor with J.P. Morgan Securities in Houston, TX, with one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Duke University and Health System, Nissan North America Inc, and Washington University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting with a non-discretionary approach.

Faheem Khwaja is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in integrating various aspects of clients' financial lives to help them achieve significant goals including retirement planning, investment consulting, and exit strategies for business owners. Faheem focuses on building trust and utilizes advanced wealth planning tools tailored to his clients' risk tolerance and financial objectives. He holds multiple professional certifications including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Plans Specialist (CRPS). Faheem earned an Associate's Degree from Adamajee Government Science College. His expertise extends to serving diverse clients, including business owners, and aligning financial plans with their unique needs. Born in Pakistan and residing in Houston for over three decades, Faheem is engaged in community service through volunteering with organizations addressing necessities such as food, medicine, clean water, and education. He communicates with clients in English and Urdu and emphasizes active listening, confidentiality, and privacy in his client relationships.

Donna Ward is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, she served as a Financial Advisor at Equitable from 2018 to 2023. Donna focuses on understanding clients' needs and goals to develop personalized financial plans aimed at providing clarity and confidence for their financial futures.

Jacob Welsh is a financial advisor at Cetera with nine years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Prior to joining Cetera, he worked at Concourse Financial Group Securities Inc and JPMorgan Chase Bank, N.A. Welsh also serves as an executor of estates in a non-investment capacity. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser supporting individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers. The firm manages over $256 billion in assets across more than 10,000 advisors and 800,000 clients.

Donnell Carter is a financial advisor with Primerica Advisors in Cypress, TX, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Advisors since 1992 and Primerica Financial Services since 1989. In addition to his advisory role, he is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of discretionary separately managed accounts to individual and high-net-worth clients. The firm employs a curated approach to third-party asset managers and uses a tiered wrap fee structure.

Teresa O’Connor is a financial advisor with OSAIC in Spring, TX, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked at Royal Alliance Associates, Inc. since 2021 and previously spent seven years at VOYA Financial Advisors. Outside of her advisory role, she is president of AltusCG Holdings, Inc., a holding company that manages the administrative operations and ownership transfer of her financial services firm. OSAIC Wealth serves a wide range of clients—including retail and institutional investors, retirement plan sponsors, and charities—offering brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and private-equity ownership, which shape its product offerings and platform economics.

Bradley Walkoviak is a financial advisor with Ameriprise in Houston, TX, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2009. He is also the owner of Cinnamon Oak Consultants, LLC, through which he manages his Ameriprise advisory business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing planning focused on reliable income sources and tax-aware withdrawal strategies.

Charles Mehling is a financial advisor with LPL Financial, holding the Series 63 designation and bringing 39 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in the sale of group and individual health, fixed life, disability income, and long-term care insurance products through Mehling Financial Group. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Omar Hernandez is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments, Mass Mutual Investors Services, TIAA, and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and emphasizes research-based portfolio construction and a broad range of financial products.

Nicole Chan is a financial advisor at RBC Capital Markets in Houston, TX, with eight years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase Bank, N.A. and Legacy Mutual Mortgage. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs tailored to clients' risk profiles, utilizing a combination of in-house and third-party investment managers while providing portfolio management, financial planning, custody, and brokerage services.

Patrick Reagan is a financial advisor with LPL Financial in Houston, TX, holding a Series 66 designation and 19 years of industry experience. His prior work includes roles at Merrill and Morgan Stanley. He is also involved with Texas Advantage Insurance Brokerage, focusing on non-variable insurance. 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 financial planning and investment management services, utilizing both proprietary and third-party model portfolios and strategies.

Roberto Lopez Araiza is a financial advisor with J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with J.P. Morgan Securities since 2016, including his current role since 2019. Outside of his advisory work, he is a co-owner of RSLA Industries, LLC, which manages rental property accounting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and offers broader derivatives and commodities capabilities through various regulatory registrations.

Marcus Fair Jr. is a financial advisor with RBC Capital Markets, holding a Series 66 designation and eight years of industry experience. His prior experience includes roles at Baird and BMO Harris Bank. He is based in Houston, TX. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, tailored strategies based on client risk profiles, and access to both in-house and third-party investment managers.

Joel Johnson is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of the VMT Wealth Management team based in Houston. He began his financial services career in 1998 and joined Merrill Lynch in 2008. In his role, Joel manages the personal financial affairs of select families and businesses, focusing on individualized wealth management strategies and offering a range of services to address both simple and complex financial opportunities. Joel holds a bachelor's degree in general business with an international emphasis from Texas Tech University. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses family wealth management, investment consulting for defined contribution plans, liquidity management, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. In addition to his professional roles, Joel has been actively involved in community organizations such as Camp For All, and he previously served on the board of directors for The June Rusche Hamrah Camp For All from 2014 to 2020. He resides in The Woodlands, Texas, with his wife and three sons.

Steven Will is a financial advisor with LPL Financial in Houston, TX, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he was employed at Charles Schwab Bank and Charles Schwab & Co., Inc. for two years and worked at Lone Star College - University Park for two years. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory strategies with a range of options including strategic allocations and alternative exposures.

Lisa Calloway is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Cambridge Investment Research Advisors since 2020, preceded by work at H.D. Vest and Wells Fargo Clearing. She is also the owner of Focus Forward Divorce Planning, a divorce planning service based in Spring, TX. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and offering access to multiple platforms, third-party advisers, and proprietary model strategies under the Founders Gate Capital brand.

Justin Letbetter is a financial advisor with Thrivent Investment Management in Houston, TX, holding a Series 66 credential and one year of industry experience. His background includes military service in the United States Marine Corps and roles at Caldwell Companies and Texas A&M prior to joining Thrivent. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering comprehensive written recommendations on various financial planning topics while separating planning from portfolio management.

Douglas Crockard is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1973. He provides personalized wealth management strategies tailored to clients' individual financial goals, with expertise in liquidity management, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income planning. Mr. Crockard holds a bachelor's degree in Industrial Management from the Georgia Institute of Technology and a Master of Business Administration from Georgia State University. He is also a Personal Investment Advisor (PIA) and has served in the U.S. Army as both active duty and reserves after participating in Army ROTC during college. Based in Houston, where he grew up and raised his family, Mr. Crockard supports his community through volunteer work and is associated with professional organizations such as Property Owners and community groups including Child Advocates. Outside of his professional role, Mr. Crockard enjoys baseball, fishing, gardening, and reading. He is supported by a team that includes two Senior Associates, Juanita Stinson and Kristina Rossi, who have worked with him since the 1990s.