Dylan Pflum is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, Dylan held various roles in education and event management at institutions including Trinity University, Yale University, Southern Methodist University, Cameron University, and Baylor University. 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 affiliated discretionary separate managed accounts, supported by a centralized operational structure covering custody, brokerage, and alternative investment platforms.

Geoffrey Gatlin is a financial advisor with Raymond James & Associates in San Antonio, TX, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Raymond James since 2018 and previously at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advising, he is involved in property management and real estate through partnerships in business ventures related to land, rentals, minerals, and livestock. Raymond James & Associates is a large broker-dealer and registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary solutions with a variety of portfolio management styles and a notable focus on municipal advisory services.

James Keck is a financial advisor with Equitable Advisors in San Antonio, TX, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2006, including the time when the firm operated as Axa Advisors. Outside of his advisory role, Keck serves as a board member and treasurer for the Sons of the Republic of Texas, Chapter #7, and is on the endowment board for Saint George Episcopal School. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm emphasizes a delivery model that leverages LPL-sponsored programs and endorsed third-party managers, providing both advisory and brokerage solutions across discretionary and non-discretionary structures.

David Bavero is a financial advisor with OSAIC in San Antonio, TX, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at OSAIC since 2024 and previously with Securities America Advisors and Securian Financial Services. Outside of advising, he owns Waterstone Labradors, where he breeds and trains British Labradors, and serves as vice president of the Alamo Retriever Club. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes.

Carolyn Brown Simpson is a Series 66-licensed advisor with Merrill in San Antonio, TX, with 16 years of industry experience. She has been with Merrill Lynch since 2007. 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.

John Bendele is a financial advisor at Charles Schwab with 31 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. His prior work includes extensive tenure at USAA in various investment and financial planning roles from 1994 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and centralized custody and operational infrastructure.

Rene Ruiz is a ChFC® credentialed financial advisor with 36 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has worked with Cambridge since 2012 and also operates Nexus Financial Solutions. Outside of financial advising, Ruiz is involved in photography through Nexus Photogenics and owns a tax service. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a mix of proprietary and third-party strategies tailored to client objectives.

James Morgan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and six years of industry experience. He has been affiliated with J.P. Morgan Securities since 2019 and also has a banking background with J.P. Morgan Chase Bank dating back to 2016. His prior experience includes service in the U.S. Navy. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Britton Du Bose is a financial advisor at Edward Jones in San Antonio, TX, holding a Series 66 designation. He has one year of industry experience and previously worked at PwC for three years and Greenscape Outdoors for seven years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Stephen Willis is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 66 credentials and bringing 44 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Sigma Financial Corporation. Outside of his advisory practice, he owns Willis Ranch, a cattle-raising operation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Frederick Eldred is a Series 66-licensed financial advisor with Primerica Advisors in San Antonio, TX, and has one year of industry experience. Before joining Primerica Advisors, he worked at Edward Jones and held various roles in the medical and service industries. He is involved with Rhythm Metrix, a business he has been associated with since 2012. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers to implement its investment models.

Charlotte Pawel is a financial advisor with Fidelity Investments in San Antonio, TX, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Wells Fargo. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company, which provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios for intermediary platforms.

Douglas Sehres is a financial advisor at Ameriprise in San Antonio, TX, holding a Series 66 designation with 17 years of industry experience. He previously worked at Planto Roe Financial Services, Minnesota Life Insurance Company, and Securian Financial Services, Inc. Sehres is also involved in independent insurance brokering with a focus on disability income. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide non-discretionary, written recommendation reports delivered in partnership with financial advisors. The firm serves clients through a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Rochelle Mitchell is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at Merrill since 2009 and at Bank of America, N.A. since 2023. Outside of her advisory role, she is a general partner and managing member of two non-investment entities focused on asset protection. 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, and institutions, employing strategic and tactical asset allocation approaches.

Carlin Green is a financial advisor with Equitable Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at Axa Advisors, Dynamic Systems Inc, and Quartr Circle 7 Hotel. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Karen Fagerberg is a financial advisor with Edward Jones in San Antonio, TX, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2016 and previously worked at the YMCA of Greater San Antonio from 2014 to 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

William Fox is a financial advisor with LPL Financial in San Antonio, TX, holding the ChFC® and Series 63 designations and bringing 39 years of industry experience. He previously worked at First Allied Advisory Services and First Allied Securities, Inc. Fox is also involved in mortgage brokerage services through Fox Mortgage Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and technologies such as machine learning to support its investment strategies.

Colton Creamer is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with Morgan Stanley and has previously worked at Bank of America and Merrill. Creamer serves on the investment and finance committees of the Texas Military Institute, a nonprofit organization in San Antonio. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process and diversified investment offerings.

Tiffany Raines is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan since 2015, including her current role at J.P. Morgan Securities LLC since 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering its program on a non-discretionary basis.

Thomas Mc Nairy is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 33 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager 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 recommendations on a non-discretionary basis while clients retain final decision-making authority.