Michael Murphy is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Arredondo is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2019. Prior to that, he held roles at State Farm, Maury Roofing & Exteriors, and the University of Houston. Merrill, along 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.

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.

Robert Garza is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He holds the Chartered Retirement Planning Counselor (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He is licensed with NMLS#1349198. Robert works with clients to develop personalized financial strategies aimed at achieving their short-, mid-, and long-term goals. His approach involves understanding each client's unique priorities to provide tailored wealth management solutions. With over 20 years of experience, Robert's areas of expertise include managing new wealth, personal retirement planning, sports and entertainment financial strategies, and retirement income planning. Through his association with Merrill Lynch and Bank of America, he also offers access to banking convenience and lending solutions to support his clients' financial needs. He serves clients in both English and Spanish. Robert holds a bachelor's degree from the University of Houston. Outside of his professional role, he is involved in community activities, including past service as Little League president and volunteer from 2002 to 2010, and participation with Habitat for Humanity Houston. His personal interests include baseball, music, and traveling.

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.

Mallory Spence is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Gladstein Levitt Rozelle Spence Group since 2014. She focuses on building personal relationships with clients to understand their unique financial goals and develop comprehensive strategies that address wealth growth, structure, preservation, and transfer through different life stages. Her expertise includes college education planning, retirement income, family wealth management strategies, legacy planning, socially responsible investing, and tax minimization. Mallory holds a Bachelor's degree from the University of Oklahoma and Master's degrees from Lancaster University and the University of Oklahoma. She has earned professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is Series 7 and Series 66 FINRA registered. Outside of her professional responsibilities, Mallory enjoys traveling, trying new restaurants, learning calligraphy, and attending college football games. She and her husband, Andrew, live in Houston with their dogs, Jack, Grey, and Foxy. Mallory is active in the community and volunteers with Dress for Success Houston, Friends of DePelchin, and Texas Children’s Hospital.

Earl Dyke is a financial advisor with UBS Financial Services in Houston, TX, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with UBS since 2000. In addition to his advisory role, he serves on the board of directors for an electronic and electrical equipment company, Terrasep, providing advice on its development. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans according to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and advisory solutions.

Odalys Correa is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work includes roles at Bank of America and Houston Community College. Merrill, along 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 institutional investors.

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.

Rosa Flores is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Bank and its affiliates since 2012. 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.

Emily Horan is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank NA since 2013. 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, distribution, and investment management capabilities.

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.

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.

Michael Middendorf is a CFP® with 27 years of industry experience, currently with Cambridge Investment Research Advisors. He previously worked at Alpha Cubed Investments, LLC and The Leaders Group, Inc. for over a decade and spent six years at Rice University. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm offers a range of investment solutions including proprietary and third-party model strategies, with both discretionary and non-discretionary options tailored to client objectives.

Lauren Kennedy is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services, E*TRADE, and Scottrade. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not provide individual security recommendations within its standalone planning services.

Jonathan Sycamore is a CFP® professional affiliated with LPL Financial in Houston, TX, with 10 years of industry experience. His prior roles include positions at Cetera Wealth Services, Sycamore Wealth Planning, Proform Trading, and Strategic Wealth Designers. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 investment adviser representatives.

David Shine is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and modeling tools such as Monte Carlo simulations in its financial planning.

Jassmin Penado is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and one year of industry experience. She has been with Wells Fargo Bank since 2019 and has prior work experience in education and entrepreneurship, including roles at Best in Class Education Center, YES PREP Public School, and ownership of Jasmine Beauty Salon. 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 focused on investment policy statement development, investment recommendations, and participant education. The firm’s advisory process is IPS-driven and incorporates a wide range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jared Holden is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2014, he has led a dedicated team focused on serving clients in managing both personal and business finances. Jared and his team develop strategies that proactively address clients' goals and prepare them for significant life transitions by providing integrated wealth planning, analysis, and strategy. He holds a Bachelor's degree in Marketing from Miami University and an MBA from Xavier University. Jared maintains several professional designations including Certified Exit Planning Advisor (CEPA), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He actively participates in mentoring undergraduate students pursuing careers in finance. Outside of his professional work, Jared enjoys spending time with his family, including his wife Natalie, their two sons JJ and Grayson, and their French Bulldog, Winston. His personal interests include biking, boating, cooking, fishing, football, music, pickleball, racquetball, and traveling.

Mary Jo McGee is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has served since 1988. Over her more than 30-year career, Mary Jo leads a team dedicated to delivering intellectually rigorous, fully customized financial strategies and attentive service to a loyal clientele. She supports clients in achieving sophisticated, specialized financial goals by utilizing the firm’s research, resources, and technology to provide current and insightful perspectives. Mary Jo holds several professional credentials, including the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ in partnership with the University of Pennsylvania’s Wharton School of Business, and the Chartered Retirement Planning Counselor® (CRPC®) designation. She also completed the Preparing for Tomorrow Program at Dartmouth University’s Tuck School of Business. Her expertise includes areas such as college education planning, divorce transition planning, family wealth management strategies, retirement income, socially responsible investing, and tax minimization. Beyond her advisory role, Mary Jo contributes to her community through volunteer work with the Ronald McDonald House in Philadelphia and has held board positions at St. Matthews Church and Montgomery School. She also shares her knowledge as a member of the Merrill Faculty, training financial advisors nationwide. Mary Jo lives in Chester Springs, Pennsylvania, with her family and enjoys interests including cooking, gardening, golfing, music, and spending time with loved ones.