Karl Reed is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its related entities since 2005 and holds a Series 63 designation. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides comprehensive recommendation reports that incorporate research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist in retirement income planning.

Chantel Williams is a CFP® with 10 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at Ameritas Advisory Services, Edward Jones, and co-ownership of Williams Wealth Management. She is also licensed as an independent insurance agent for fixed insurance products. 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 advisory and brokerage services, including financial planning and access to third-party asset management, supported by advanced operational tools and a broad network of over 22,800 advisors.

Mark Smelser is a financial advisor at J.P. Morgan Securities in Houston, TX, with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan since 2001, including 14 years at J.P. Morgan Securities. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks as part of its strategy.

Cesar Sosa is a financial advisor with Merrill in Houston, TX, holding a Series 66 credential and one year of industry experience. His prior work includes six years at Bank of America. Outside of his advisory role, he is a pianist at Iglesia Sin Limites, a local church in South Houston. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Juan Zaragoza is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab, he managed businesses including Zarca Roofing LLC and Zarca Services LLC. 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, combining non-discretionary advisory with access to affiliated discretionary separately managed accounts and alternative investments.

Justin Bremer is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has 21 years of industry experience. He has been with Fidelity Investments since 2010 and has worked within various Fidelity divisions, including Fidelity Personal and Workplace Advisors. In addition to his advisory role, he teaches a university course at the University of Houston’s Bauer College of Business twice a week. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs. The firm serves retail and institutional investors and maintains a formal advisory role to multiple registered investment companies and fund-of-funds.

Eric Holland is a financial advisor with Edward Jones in Baytown, TX, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Monica Bello is a financial advisor at Edward Jones in Houston, TX, with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

Andrew Wolfe is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. Prior to joining Ameriprise, he worked in various roles including at Dell Technologies and in the hospitality sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Emilio Ramos serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial situations and introduces them to solutions available through Merrill and Bank of America. He focuses on empowering clients with the knowledge and tools necessary to manage their financial lives and select platforms that align with their current needs. Emilio's expertise encompasses general investing, retirement planning, and saving for unforeseen circumstances. He places emphasis on understanding what matters to clients and their families to develop strategies that pursue their financial goals. He holds professional designations including Certified Divorce Financial Analyst (CDFA), Certified Exit Planning Advisor (CEPA), Chartered Financial Analyst (CFA), and Personal Investment Advisor (PIA). Emilio earned his bachelor's degree from Sewanee: The University of the South.

Scott Audish is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following a tenure at Wachovia Bank, N.A. beginning in 2007. 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 combines internal research with third-party data to guide investment decisions.

Alexandria Beale is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, and business owners to build wealth with intention and to protect what they have worked hard to achieve. Alexandria creates personalized strategies that align with clients' goals, minimize unnecessary tax exposure, and provide clarity in a complex financial landscape. Her services include building long-term investment portfolios, retirement planning, and advising on tax-efficient strategies. Alexandria's approach to financial planning emphasizes education, transparency, and helping clients make informed, forward-thinking decisions. She holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of North Texas. She is also a member of Alpha Kappa Alpha Sorority Inc.

Christopher Alaniz is a financial advisor at Merrill with a Series 66 designation. He has been with Merrill since 2024 and has held previous roles at Bank of America, N.A. and in educational institutions including the University of Houston Clear Lake and San Jacinto Community College. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Fredrick Nwosu is a Senior Financial Advisor with the TSPN Wealth Management Group at Merrill Lynch Wealth Management in Downtown Houston. He provides strategic, goal-based wealth management services, often serving as a trusted advisor for corporate clients and industry leaders. Fredrick focuses on various client needs including college education planning, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, employee financial health, legacy planning, managing new wealth, personal retirement planning, and tax minimization. He joined Merrill Lynch Wealth Management in 2016 and holds professional designations including Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). Fredrick graduated from the University of Houston with a Bachelor's degree in Marketing and Mathematics. Fredrick enjoys basketball, music, photography, reading, and soccer in his personal time.

Jeanette Allan is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including Ameriprise Financial Services, J.P. Morgan Securities, and Chase Investment Services. Allan is currently based in Houston, TX. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Carla Burns is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 credentials. She has 32 years of industry experience, including prior roles at New England Securities, Wells Fargo Clearing, and RBC Capital Markets. Outside of her advisory work, Burns serves as treasurer and recording secretary for the Moores School of Music Society and is a board member and treasurer for the P.E.O. Sisterhood Chapter E in Des Moines, IA. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services through a variety of platforms and proprietary model strategies.

Patrick Mcshay is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments since 2007, including roles at Fidelity Personal and Workplace Advisors. He is based in Houston, TX. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, while maintaining oversight and addressing potential conflicts of interest.

Dun Valentin is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and one year of industry experience. He has worked with Wells Fargo Bank, N.A. since 1997. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kenneth Webb is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016. Webb serves as power of attorney for his parents in investment-related matters. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Janey Rizvi is a Certified Financial Planner (CFP®) with 20 years of industry experience, currently serving as a Private Client Advisor at J.P. Morgan Securities. She has held roles at JPMorgan Chase Bank, N.A. since 2008 and worked previously at Ameriprise. Outside of her advisory work, she is an owner and partner of Minilith LLC, a company focused on designing and selling computer equipment. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, delivering non-discretionary asset allocation advice and customized performance reporting. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.