Stephen Pfeffer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1995 after earning a finance degree from Texas A&M University. Stephen holds several professional designations including CERTIFIED FINANCIAL PLANNER® and Retirement Benefits Consultant, a special internal title for advisors focusing on Corporate and Institutional retirement plans. He is recognized as a frequent speaker on investment planning and employer sponsored retirement plans. Stephen takes a comprehensive approach to managing wealth, focusing on listening to his clients' needs and developing strategies tailored to their goals. His areas of expertise include Corporate Executive Services, Family Wealth Management Strategies, Personal Retirement Planning, Investment Consulting for Defined Contribution Plans, and Special Needs Planning Strategies among others. Active in the Fort Worth community, Stephen has served as President of Trinity Habitat for Humanity and as President of the Fort Worth/Tarrant County Texas A&M Club. He and his wife, Mary, have three children and are members of Christ Chapel Bible Church. They have been residents of Fort Worth since 1995.

Joseph Burwell is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he is involved in catering through Manifesto BBQ and owns a local podcast called The Do Better Podcast based in Granbury, TX. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Christopher Sozio is a financial advisor with Raymond James & Associates in Fort Worth, TX, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions with access to a range of portfolio management styles and affiliated research.

Jeffrey Moore is a financial advisor with Ameriprise in Burleson, TX, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2012. Outside of his advisory role, he is involved in horse racing. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Amanda Shook is a financial advisor with Morgan Stanley in Fort Worth, TX, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate financial planning agreements.

Paul Ray is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Phillips Ray Capital Management, Inc. for 21 years prior to joining J.P. Morgan. Outside of his advisory work, he is a limited partner in a real estate partnership in Fort Worth, Texas. 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 searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and offers a broad range of derivatives and commodities capabilities.

Christian Shveyda is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Wells Fargo in 2023, he worked at Hancock Whitney Bank from 2019 to 2023 and has additional work history outside the financial industry. 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.

Kelly Biederman is a financial advisor at Morgan Stanley in Fort Worth, TX, holding a Series 66 designation with eight years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to this, she was involved with the Santa Barbara Youth Music Academy from 2016 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Clint Swinney is a CFP®-certified financial advisor with 27 years of industry experience. He has been with J.P. Morgan Securities since 2012 and is also affiliated with JPMorgan Chase Bank, N.A. since 1998. Outside of his advisory role, he is involved with BranEm Properties LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with an ESG eligibility framework and incorporates broader derivatives and commodities capabilities.

Adrian Sparks is a financial advisor with Wells Fargo Clearing in Fort Worth, TX, holding a Series 66 license and 12 years of industry experience. He previously worked at Capital One Investing and LPL Financial. Outside of his advisory role, he is a musician providing entertainment for various events. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through both brokerage and advisory solutions.

Thomas Simonton IV is a financial advisor with Wells Fargo Clearing in Fort Worth, TX, holding a Series 66 credential and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent three years at Edward Jones. Outside of advising, he is involved in sales for a roofing and home upgrades company. 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.

Kyle Coleman is a financial advisor with Ameriprise in Keller, TX, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he owns and manages an advisory business under KDC1989 LLC. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, supported by a centralized consulting team and algorithmic automation.

Aaron Rowan is a financial advisor at J.P. Morgan Securities in Fort Worth, TX, holding a Series 66 designation with two years of industry experience. His prior work experience includes roles at Adobe and JPMorgan Chase Bank, N.A. 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 searches, and customized performance reporting within a non-discretionary program.

Noe Alvarado is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank in Texas since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research, with recommendations focused on eligible strategies and supported by customized performance reporting.

Gerson Lopez is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at TD Ameritrade and Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Christine Carrillo is a financial advisor at Fidelity with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2008, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its use of algorithmic methods and AI in research, as well as its advisory role to multiple registered investment companies.

Thomas Gamez is a Certified Financial Planner (CFP®) with 30 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Ameriprise from 1996 to 2005. In addition to his advisory work, he is a notary public in Texas and acts as an independent agent offering Medicare-related insurance plans. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions supported by research, third-party subadvisors, and various institutional platforms.

Lawrence Terry is a financial advisor at Ameriprise with 45 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Merrill before joining Ameriprise Financial Services, Inc. in 2009. He has been with Ameriprise Financial Services, LLC since 2020, based in Fort Worth, TX. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on providing written recommendation reports and ongoing retirement income planning, emphasizing dependable income sources and tax-aware withdrawal strategies.

Thomas Kennedy is a financial advisor with Ameriprise in Keller, TX, holding a Series 66 designation and 23 years of industry experience. His career includes roles at Merrill and Bank of America before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

John Dirik is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 42 years of industry experience, including over 35 years at Foresters Financial and seven years at Foresters Advisory Services, LLC. Since 2012, he has also been a 70% owner of Charles & John Dirik LLC, a horseracing ownership venture. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. It offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and operates a multi-manager platform with over $256 billion in assets under management.