Victor Palafox is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a sole proprietor and partner in investment-related ventures including Conjunto Miyana in Mexico and Alta Capital Fund LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market models to assist clients, while typically acting in an advisory capacity without providing individual security recommendations in standalone plans.

Dan Steiner is a financial advisor with LPL Financial in Houston, TX, holding a Series 63 designation and 45 years of industry experience. He worked at Mutual Service Corporation for 20 years before joining LPL Financial in 2009. Outside of his advisory role, he is involved with Sofer Steiner & Associates, LLP, an entity for marketing individual fixed insurance and group employee benefits, and SV Financial, LLC, a separate business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

Robert Mckelfresh 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, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Based in Houston, TX, Mckelfresh has a long tenure in wealth management. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Allison Irelan is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines large-firm resources with specialized services, including relationships with investment companies and private funds.

Deborah Wall is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2009. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kaled Rocha is a financial advisor with J.P. Morgan Securities in Houston, TX, holding a Series 66 designation and six years of industry experience. His prior work includes positions at Bank of America, Merrill, and Boston Trust Walden Company. 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 advisory program.

Robert Mcdonald Jr. is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Ameriprise Financial Services, Inc. and LLC since 2014, following previous roles at Morgan Stanley and Citigroup Global Markets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kevin Caillouet is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked with Cetera and Cetera Investment Services LLC since 2019 and previously with Foresters Financial from 2011 to 2019. Outside of his advisory role, he is the owner of Scotty Boy's Seafood Co., a catering business specializing in boiled crawfish. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial relationships.

Matthew Resh is a financial advisor with Mass Mutual Investors Services in Houston, TX, holding a Series 66 designation and seven years of industry experience. His career includes roles at MML Investors Services LLC, MassMutual Life Insurance Company, and self-employment. He is also licensed as an agent for property, casualty, health, group life, and group health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools and a collaborative planning approach.

Victoria Smith is a Series 66-licensed financial advisor with Morgan Stanley in Houston, Texas, bringing 24 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Smith serves on the board and finance committee of the Kelsey Research Foundation, a Houston-based nonprofit organization. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm utilizes structured planning tools and investment analyses to support personalized financial strategies while managing trillions in client assets.

Agustin Elias is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Investments. Outside of his advisory role, he has a one-third ownership in a cattle ranch located in Cananea Sonora, Mexico. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Charles Bocock is a Series 66-licensed financial advisor with Ameriprise, based in Webster, TX, and has one year of industry experience. His background includes roles at Mass Mutual Investors Services and MassMutual Life Insurance Co, as well as seven years at H-E-B Grocery Company LP. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice.

Essex Campbell is a Series 66 licensed financial advisor with 18 years of industry experience. He is currently affiliated with Icon Imperial and has served on the faculty of Houston Community College since 2006. Outside of finance, he is the CEO of two entertainment and media companies, Street Entertainment and Street Vision Media. Icon Imperial provides investment management primarily to pooled vehicles and institutional clients, including pension and profit-sharing plans. The firm combines traditional asset management with subscription-based research publications and plan-level consulting services.

Kevin Spires is the sole advisor at Bellaire Capital Management, LLC in Bellaire, TX, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 16 years of industry experience and has been with Bellaire Capital Management since 2009. Outside of his advisory role, he holds a 50% ownership interest in a chiropractic practice but does not participate in its operations. Bellaire Capital Management primarily serves individual clients with investment management and financial planning, and also provides retirement plan consulting and participant advisory services. The firm manages client assets directly, operates with discretionary authority, and employs a blend of fundamental, cyclical, and technical investment approaches.