Luis Hernandez is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2024, he worked at Frost Investment Services, Frost Brokerage Services, and Frost National Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Christopher Flannery is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and over 29 years of industry experience. He has been with Merrill since 1992. Outside of his advisory role, he serves on several advisory boards, including the San Antonio College Financial Management Services Committee and the San Antonio Sports Foundation. 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 plans, corporations, and charitable organizations.

Meliza Brecht is a financial advisor at J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses with four years of industry experience. Her prior roles include positions at Morgan Stanley, Frost Bank, and Wealth Watch Advisors. Outside of her advisory work, she manages a personal residential rental property business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with due diligence and an ESG eligibility framework to offer customized recommendations.

Jacqueline Murie Garcia is a financial advisor at Morgan Stanley in San Antonio, TX, holding a Series 66 designation. She has five years of experience at Morgan Stanley and previously worked five years at Capital Group. 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, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through corporate agreements.

Patricia McGurn is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Primerica Advisors since 1998 and operates R-McGurn & Assoc. Inc., a firm formed solely for Primerica business purposes. McGurn also engages in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies from unaffiliated asset managers and provides custody and trade execution through Pershing, overseeing approximately $15.5 billion in assets under management.

Maureen Garcia is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her career includes roles at several healthcare and wellness providers alongside her financial services work. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Hector Tafoya is a Series 66 licensed advisor at J.P. Morgan Securities with 10 years of industry experience. His career includes roles at Kovack Advisors, Inc. and Kovack Securities, Inc. before joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2018. 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 an ESG eligibility framework to support customized investment solutions.

Alberto Guajardo Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and its affiliated entities since 2016. Outside of his advisory role, he was involved with Antonioluis Foods, LLC from 2018 to 2022. 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 incorporating an ESG eligibility framework in its recommendations.

Nicholas Agostino is a CFP® professional affiliated with Cetera, based in San Antonio, TX, with 15 years of industry experience. His career includes roles at multiple Cetera entities since 2015 and prior work at T. Rowe Price Advisory Services. He serves as a FINRA arbitrator on an as-needed basis. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services and operates a multi-manager platform that provides access to both affiliated and third-party managers.

Ashleigh Henderson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2022 and also has experience with Bank of America and in the fitness and hospitality industries. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lawrence Martin is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2016 following three years at Merrill. 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan broker-dealer and banking organization, offering access to a wide range of investment products.

Daniel Trigo is a financial advisor at J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to his current role, he worked at Charles Schwab and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence to deliver customized investment advice.

Jeffery Price is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2024. His prior experience includes roles at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He is also the owner of Price Financial Consulting LLC, through which he provides financial advisory services. Wells Fargo Advisors 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 range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Harold Leonard is a financial advisor at Thrivent Investment Management with 19 years of industry experience. He holds the Series 66 designation and has worked with Thrivent Financial For Lutherans and Thrivent Investment Management since 2007. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics, combining planning with managed-account programs under a consolidated billing option while keeping the services separate.

Samuel House is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves as a board member for the Lutheran Foundation of Texas, a charitable organization. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and investment strategies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer-sponsored agreements.

Maria Guhit is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 63 designation and 33 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she is a full-time employee of Sont1314, LLC, where she manages her advisory business and provides comprehensive financial planning and investment advice. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement, typically with at least $1 million in net investable assets. The firm provides written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies, supported by a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis.

Genoveva Luna is a financial advisor with Morgan Stanley in San Antonio, Texas, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is involved with Elite Marine Upholstery, a boat upholstery and canvas repair business owned by her spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market-based models to assist clients in developing financial plans.

Diego Alvarado is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors and various other organizations across different sectors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Jay Hutcherson is a financial advisor at Ameriprise in San Antonio, TX, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has been with Ameriprise and its related entities since 2008, with a brief gap in 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning based on proprietary research, third-party data, and algorithmic tools.

Jackson Hairston is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. He has a background that includes work at Equitable Advisors and academic involvement at Southern Methodist University’s Cox School of Business. Outside of his advisory role, he has experience with the Indian Hill Club and a golf-related venture called Power of the Golf Ball. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including institutional and retail investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with registered investment companies and use of systematic methodologies incorporating AI and long-term asset allocation strategies.