Luis Farret is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 27 years of industry experience. His prior roles include positions at Merrill and Bank of America. He is the owner of Apollo FO LLC, a business related to the automotive and transportation sector. Morgan Stanley Wealth Management serves individual and institutional clients with various advisory programs, emphasizing structured financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Roberto Rivera is a financial advisor at UBS Financial Services based in San Antonio, TX. He holds the Series 63 and Series 65 designations and has one year of industry experience. Prior to joining UBS, he held positions including roles at CS Diana Martinez LLC and Texas A&M International University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Angel Cantu is a Series 66 licensed financial advisor with Equitable Advisors in San Antonio, TX, bringing one year of industry experience. Prior to this, he held roles at Bill Miller B-B-Q and The University of Texas at San Antonio. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

David Williams is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding a Series 66 credential and three years of industry experience. His prior positions include roles at Fidelity Brokerage Services LLC and Fidelity Investments. Outside of finance, he has been involved in health and fitness and operated entrepreneurial ventures such as Fashionsensored.com and Sunhoney LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework and offers non-discretionary advice through a select group of Wealth Advisors.

David Wang is a CFP® professional with 19 years of experience in financial advising. He currently works at Charles Schwab in San Antonio, TX, where he has been since 2020. Prior to joining Schwab, he spent over a decade at USAA in various financial planning and investment management roles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Sara Ortiz is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate firms since 2016. Outside of her advisory role, Ortiz engages in freelance English-Spanish translation and editing work. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement who meet certain asset criteria. The firm uses a centralized consulting team and combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports, primarily for clients with Ameriprise-managed accounts.

German Valladares Alvarenga is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A., Wells Fargo Clearing Services LLC, and Wells Fargo Bank, N.A. Prior to his current roles, he was employed at Deglace & Associates Financial Services Inc/Tax Network Group and Real Estate Problems Solvers LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Trent Pauls is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2017, following a year at Signpost. He serves as a committee member for the American Cancer Society, assisting with event planning. 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 and profit-sharing plans, corporations, and charitable organizations.

Debra Piercy is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with Wells Fargo Advisors in Little Rock, AR. She has worked within various Wells Fargo entities since 2009. Outside of her advisory role, she holds ownership interests in multiple local businesses, including Piercy-Whitt Wealth Management Group LLC and Pivot Point, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by Wells Fargo research and tools, serving clients who meet specific net-worth criteria.

Scott Werner is a financial advisor with Mass Mutual Investors Services in San Antonio, TX, holding the ChFC® designation and Series 63 and 66 licenses. He has 26 years of industry experience, including prior roles at Metlife Securities Inc., New England Securities, and Equitable Advisors. Outside of advising, he is an independent insurance agent and a partner in MPSW Enterprises, LLC. Mass Mutual Investors Services 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, focusing on collaborative annual planning relationships without discretionary investment authority as part of the advisory services.

Asefa Wetzel is a financial advisor with Equitable Advisors in San Antonio, TX, holding a Series 66 designation and beginning their advisory career in 2025. Prior to joining Equitable Advisors, Wetzel held various positions, including work with University of Wyoming Vending Services and Frontline Financial Services. Outside of financial advising, Wetzel works as a driver for Doordash. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers.

Michael Atkins is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering services such as futures commission merchant activities, principal trading, and proprietary research.

Christopher Olsen is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity and its affiliates since 2012. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and employs oversight and evaluation processes aimed at mitigating conflicts of interest.

Madison Ramirez is a Series 66 licensed financial advisor at Edward Jones with six years of industry experience. Prior to joining Edward Jones, Madison worked at the University of Texas and held positions with Bless Your Heart and the North East Independent School District. Madison is based in San Antonio, TX. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Steven Mitchell is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 66 credentials and 39 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with various advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its advisory services.

Daniela Arias Rojas is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on providing tailored strategies encompassing wealth preservation, growth opportunities, and personalized financial planning aligned with the goals of individuals and business owners. Daniela aims to help clients navigate the complexities of finances to achieve clarity and confidence in their financial futures. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Daniela completed her high school education at Coronado High School and attended El Paso Community College without degree completion. She is bilingual in English and Spanish.

Keifer Guizard is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 credential and has previously worked at SoFi Securities LLC and SoFi Lending Corp. Outside of finance, he was involved in operating a pressure washing business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Adam Spencer is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 66 and Series 63 credentials and four years of industry experience. Prior to his current role, he worked for ten years at Chester's Hamburgers. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Raymundo Gomez Janeiro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2025, he held various roles including positions at Swig Drinks and the University of the Incarnate Word. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Dubensky is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at USAA Financial Planning Services and USAA Investment Services Company for a combined 14 years. Outside of his advisory role, he is involved with Genesis Wealth Management. 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, and institutional platforms, supported by advanced operational tools and oversight of extensive discretionary assets.