Michael Bayer III is a CFP® professional with 29 years of industry experience, currently serving at MassMutual Investors Services since 2017. He previously worked at Metlife Securities and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, Bayer is president and owner of Rocky Mountain Review, a CFP Board Approved Exam Review and continuing education business, and is active as a contributing writer, host, and speaker. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes ongoing collaborative planning relationships, utilizing advanced software tools to analyze client goals and deliver written recommendations.

Megan Mills is a CFP® professional with nine years of industry experience. She has worked at OSAIC since 2025 and previously spent eight years at Lincoln Financial Securities Corporation and six years with the City of Leander. Mills serves as a board member for the Georgetown Chamber of Commerce. OSAIC Wealth, Inc. serves a diverse client base, including individuals, high-net-worth investors, and institutional clients, offering integrated brokerage and advisory services supported by multiple platforms and advanced portfolio management tools.

Michael Calvin is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Bank of America and Merrill. Outside of his advisory role, he is a partner at Covenant Investments, LP in Austin, Texas. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Their planning process employs firm-approved tools and modeling methods, providing advisory services without individual security recommendations in standalone plans.

Keith Johnson is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has worked at firms including First Allied Securities, FFP Securities, and has been president of Logic Investment Advisors, LLC since 2008. Outside of his advisory roles, he volunteers with the International Waterlily Collection, a nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and ongoing client supervision, operating with over $256 billion in assets under management through a nationwide network of more than 10,000 advisors.

Marques Bobo is a financial advisor at Ameriprise with four years of industry experience. He previously worked at Capital Analysts and Lincoln Investment and spent eight years at KDB&S LLC. Outside of his advisory role, he volunteers as an assistant football coach for the Legacy Ranch Youth Football Association. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team to deliver research-driven, tax-efficient retirement income recommendations.

Ethan Gilbert is a CFP®-certified financial advisor with seven years of industry experience, currently affiliated with LPL Financial in Austin, TX. His prior experience includes roles at OSAIC, FSC Securities Corporation, Aspiriant LLC, and several other firms. Outside of advising, he has worked as a paraplanner at ANFS, Inc., assisting with client information gathering and financial plan preparation. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party research, and technology-driven strategies.

James Wynes is a Series 66-licensed financial advisor with Edward Jones in Austin, TX, bringing three years of industry experience. His prior experience includes roles at Risk Services of Louisiana, Wynes Insurance Agency, and Aflac. He is also associated with Tonya Wynes, LLC, an insurance business in Austin. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a large nationwide network. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Elizabeth Geesin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she is an independent wine consultant and owns Bluestone Cellars LLC, a wine-related business based in Austin, TX. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Zachary Feehan is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Charles Schwab Bank, SSB, Jet Propulsion Laboratory, and various periods focused on full-time education. 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, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Becca Brocato is a Senior Financial Advisor with Merrill Lynch Wealth Management who specializes in personalized wealth management strategies. She works closely with clients to develop flexible financial plans tailored to their individual goals, drawing on the investment insights of Merrill and the banking and lending solutions of Bank of America. Her client focus areas include college education planning, family wealth management, retirement planning, and strategies for managing new wealth and special needs planning. Since beginning her career in financial services in 1995, Becca has combined her expertise in finance and human resources to guide clients through wealth planning in a clear and comfortable way. She is the founder of OAKS Wealth Management Group and holds a Personal Investment Advisor (PIA) designation. Becca earned her Bachelor of Business Administration in Finance from the University of Texas at Austin and her Master of Business Administration from Harvard University. A native Texan, Becca is involved in her community through roles such as National Charity League volunteer and University of Texas AEPhi Advisor. Outside of her professional life, she enjoys football, reading, traveling, and spending time with her family.

Mark Penny is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since the early 1990s. Outside of his advisory role, he is involved in selling home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses an independent due-diligence process to select asset managers and employs a tiered wrap fee structure.

William Everly is a CFP®-credentialed financial advisor with Ameriprise in Cedar Park, TX, bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Clare Grabarkewitz is a financial advisor with Edward Jones in Lago Vista, TX, holding a Series 66 designation and seven years of industry experience. She previously worked at Tarleton State University and Insurance Planners & Advisors Group Inc. Outside of advising, she owns a short-term rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

George Henry is a CFP® with 38 years of experience in the financial services industry, currently serving as an advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 33 years. Outside of his advisory role, he is involved in real estate management through a business ownership in Austin, TX. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Ryan Behrens is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses and has nine years of industry experience. He previously worked at TD Ameritrade before joining Charles Schwab Bank and Charles Schwab & Co., Inc. There are no additional notable outside activities reported. 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 offers a combination of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and alternative investment options, supported by Schwab’s centralized operational structure and extensive client base.

Chad Masters is a financial advisor with Charles Schwab holding a Series 66 designation and six years of industry experience. His work history includes roles at Charles Schwab Bank and Charles Schwab & Co., Inc., as well as positions with Randstad - Vanguard Group and Modis - Charles Schwab & Co. He also has experience outside finance, having worked at Grimaldis Pizzeria. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational structures.

John Driscoll is a financial advisor at Equitable Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Lincoln Financial Advisors, Park Avenue Securities, Guardian Life Insurance Company, Wells Fargo Advisors, and Citigroup Global Markets. He also operates Driscoll Wealth Management LLC as an outside business activity. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm offers various advisory programs and works with third-party asset managers and LPL-sponsored solutions, focusing on tailored client strategies without sponsoring its own wrap fee program.

Cindy Cook is a CFP® and ChFC® with 28 years of experience in the financial services industry. She currently serves as an independent advisor at Raymond James Financial Services Advisors, Inc., where she has worked since 2019. Prior to this, she held roles at Bank of America and Merrill. Outside of advisory work, she receives royalties from mineral rights she owns. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and supports its advisors with advanced analytical tools and specialized programs, such as municipal advisory and SIMPLE IRA Employer Advisory services.

Gilbert Riojas Jr. is a financial advisor with Stifel in Austin, TX, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Stifel Nicolaus & Company, Inc. since 2014. Outside of his advisory role, he is a managing partner of GILMAC Cattle Co. L.P., a family cattle ranching and real estate acquisition business. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Youree Mc Bride Jr. is a financial advisor with LPL Financial in Austin, TX, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Advisors, as well as involvement with River City Repertory Theatre. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.