Karen Blanco is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has one year of industry experience and previously worked at Credit Recovery Group LLC for ten years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative annual planning engagements using advanced software tools and supports event-driven planning programs, including recent additions like Divorce Planning.

Zachary Greer is a financial advisor with Primerica Advisors in Houston, TX. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2026. Prior to this, he worked at Primerica Financial Services and has experience in education, having taught at multiple schools since 2013. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale and offers model-based investment strategies supported by third-party asset managers and custodial services.

Ryan Elder is a financial advisor at Cetera with 14 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Foresters Advisory Services and Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm provides portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party managers across various program structures.

Edmund Hollub IV is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 63 and Series 65 credentials. Outside of financial advising, he has been involved with Modern Plumbing for over 15 years and participates in sales of home security, automation products, and loan products through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors alongside corporate and charitable clients. The firm employs model-based strategies and operates at scale with thousands of advisors and billions in assets under management.

Kyle Mather is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works closely with clients to simplify financial complexities and develop personalized strategies aimed at achieving lasting financial success. His approach focuses on empowering clients to make confident, informed decisions aligned with their financial goals. Prior to his current position, Kyle held multiple roles at Fidelity Investments, including Investment Consultant, Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate, gaining a breadth of experience in investment and client relationship management. In 2022, he also worked as an Insurance Agent at LionHeart Advisers. In his personal time, Kyle engages in activities such as family-related events, fitness, military service, caring for pets, reading, and traveling.

William Selzer is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Prior to that, he worked at Citigroup Global Markets from 1989 to 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, including customized financial planning supported by firm-approved tools and data. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Roberto Monroy is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. Outside of his advisory role, Monroy is involved in a small family business related to the sale of hay. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

James Woldert is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and bringing 25 years of industry experience. His career includes roles at UBS Financial Services and Citigroup Global Markets before joining Morgan Stanley, where he has worked since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and modeling methods. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and corporate financial planning agreements.

Johan Varghese is a financial advisor at Thrivent Investment Management with Series 66 credentials. He has recently started his career in the industry, joining Thrivent Investment Management in 2025. Prior to this, his background includes various roles in education and community organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without portfolio management for institutional clients. The firm offers standalone or ongoing planning relationships and integrates planning with managed-account services through a consolidated billing option.

William Hughes is a financial advisor at J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 66 licenses with four years of industry experience. His prior work includes roles at United Heritage Credit Union, Tapestry Inc, and Gap Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Melissa Jacobsen is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill, Charles Schwab & Co., Inc., and DriveTime. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment modeling techniques.

Ryan Greer is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he is involved in business activities including part-ownership in entities formed for Primerica-related purposes and receives compensation related to loan product sales and home security services referrals. Primerica Advisors is a discretionary portfolio manager that primarily serves individual investors, as well as corporate and charitable clients. The firm operates at scale, managing approximately $15.5 billion in assets through model-based investment strategies supported by third-party asset managers and custodians.

Jose Solis Vega is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he assists with a family-run home construction business in the Houston area. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Mark Hetzer is a financial advisor with LPL Financial holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2026, he worked at JP Morgan Chase Bank and J.P. Morgan Securities from 2022 to 2026, and at Merrill and Bank of America from 2019 to 2022. He also has experience in marketing and sports medicine from earlier roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing various investment strategies and platforms, supported by advanced operational tools, and manages over $819 billion in discretionary assets.

Crystal Stanfield is a financial advisor with Merrill in Houston, TX, holding a Series 66 designation and 11 years of industry experience. She has been associated with Merrill since 2014 and also works with Bank of America, N.A. since 2015. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Novosad is a financial advisor at Ameriprise in Houston, TX, holding a Series 63 designation with 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Novosad serves on the Board of Directors and is Vice Chairman of Reach Unlimited. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver tailored, non-discretionary retirement advice.

Kevin Farladansky is a Financial Advisor at Merrill Lynch Wealth Management in Houston with over 15 years of experience in the financial industry. He began his career at BBVA as an International Financial Advisor serving institutional and ultra-high-net-worth clients across global markets, then worked at UBS focusing on investment strategies for domestic and international clients, including entrepreneurs and high-net-worth individuals. At Merrill, Kevin leverages the firm's institutional resources and Capital Markets Group to build customized asset allocation strategies for his clients. Kevin advises individuals and business owners with complex financial needs across areas such as investments, lending, and wealth planning. His expertise includes services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance from the University of Houston and holds several professional designations such as Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kevin is involved with the Bank of America Charitable Foundation and speaks English and Spanish.

Aderemi Adeyemo is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and has six years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Mariner Platform Solutions, Mariner Wealth Advisors, AdvicePeriod, LLC, Bernstein Private Wealth Management, IBISWorld Inc., and Fastenal Company. He also serves as a FINRA arbitrator, acting as a neutral party to resolve securities-related disputes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates firm-approved tools and economic modeling techniques.

Gary Miller is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following prior roles at B. Riley Wealth Management and Wunderlich Securities. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

John Reed IV is a financial advisor at Morgan Stanley with 31 years of industry experience. He has worked at Morgan Stanley since 2007 and is currently associated with Morgan Stanley Private Bank, N.A. His credentials include Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.