Jason Espalin is a CFP® professional with 20 years of industry experience, currently affiliated with Charles Schwab. His prior work includes roles at TD Ameritrade and Citigroup Global Markets. He is based in San Antonio, TX. Charles Schwab 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 mix of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Spencer Crow is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines since 2016. Prior to this, he worked at Tmfs Advisors, LLC from 2013 to 2016. He holds the Series 66 designation and is based in San Antonio, TX. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Christopher Berry is a Series 66-licensed financial advisor with Edward Jones in San Antonio, TX, and has six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Phyllis Browning Company and Realty Executives of San Antonio. Outside of his advisory role, he participates as an actor in local theatre productions, including roles in musicals and Shakespearean plays. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm operates nationwide with over 23,700 advisors and manages approximately $1.01 trillion in assets under management.

Karen Sims is a financial advisor with Merrill in San Antonio, TX, holding Series 63, 65, and 66 licenses and over 24 years of industry experience. She has worked at Merrill since 2009 and has been associated with Bank of America, N.A. since 2005. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Anton Dziuk is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and five years of industry experience. His prior work history includes roles at American Campus Communities and the University of Texas at San Antonio. He also serves as a member of the Mesquite Investment Committee and provides financial planning advice through an outside employment engagement with SONT 1314 LLC. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that delivers written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

James Gardner III is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Ameriprise in 2020. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations through a centralized consulting team.

Thorne Robalin Jr. is a financial advisor with Raymond James & Associates in San Antonio, TX, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has been with Raymond James & Associates since 2001. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients, offering tailored financial plans and institutional consulting through its Wealth Advisory Services Program.

Clayton Miller is a financial advisor at Osaic with 16 years of industry experience. He holds the Series 66 designation and has worked at Royal Alliance Associates, INC., Jhfn Sii, and Waddell & Reed, Inc. Outside of his advisory role, he has been active as a musician with The Bob Bass Band since 2007. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of brokerage and advisory services utilizing asset-allocation tools, third-party money managers, and multiple investment platforms.

David Earnst is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and six years of industry experience. His work history includes roles at Columbus Global, Arctic IT, Alithya, and PFS Investments Inc. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party managers and offers a range of portfolio models including those allocating to cryptocurrency exchange-traded funds.

John Morgan is an International Wealth Advisor and Senior Vice President at Merrill Lynch Wealth Management, where he began his career in 1995. He specializes in areas including Corporate Executive Services, Executive Compensation, Family Wealth Management Strategies, International Wealth Management, Legacy Planning, and Women and Wealth. John holds a Bachelor of Science degree in Business Administration, with a double major in Finance and Economics, from Trinity University. He has earned professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute and the International Honor Society in Economics, Omicron Delta Epsilon. Fluent in English and Spanish, John is married with two children. His personal interests include adventure sports, fishing, photography, scuba diving, skiing, and traveling.

Lawrence Padron is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 11 years before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, emphasizing Ameriprise-managed accounts and algorithmic automation in its approach.

David Steubing is a financial advisor with Thrivent Investment Management in San Antonio, TX, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he occasionally negotiates water leases with farmers, water systems, and businesses. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed accounts under a consolidated billing option while maintaining separate services.

Raul Barcenes is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 licenses and three years of industry experience. Prior to joining J.P. Morgan in 2024, he held roles in asset management and education. Outside of his advisory work, he provides tutoring services independently and through Varsity Tutors, helping students prepare for certification and securities exams, and he also offers music consulting through a private business. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Grant Cherry is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent four years with Bank of America, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with services tailored to plan objectives and risk tolerances, including discretionary 3(38) investment management and a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Bridget Hillsman is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds a Series 66 designation and has been with RBC Capital Markets since 2014. Outside of her advisory role, she is involved in several independent contractor activities, including jewelry sales and clean wine consulting. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customized advisory programs that incorporate both in-house and third-party investment managers and provides a range of portfolio management, financial planning, and brokerage services.

Jon Taylor III is a financial advisor with OSAIC, holding a Series 66 designation and five years of industry experience. He has worked at Platinum Wealth Solutions since 2020 and previously at Reata Real Estate Services and the University of the Incarnate Word. His other business activities include sales and marketing of fixed annuities and non-variable insurance products. OSAIC serves a diverse range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs various asset-allocation tools and third-party solutions to construct and manage portfolios that may include a broad spectrum of investment products.

Lurdes Coats is a Series 66-credentialed financial advisor with 15 years of industry experience, currently with Wells Fargo Advisors in San Antonio, TX. Her career includes roles at Merrill, Raymond James & Associates, and Diez and Crane Attorneys. Outside of her advisory work, she is involved in managing a rental property in Brownsville, TX. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, using proprietary research and tools to support tailored client recommendations.

Thomas Davila II is a financial advisor with LPL Financial in San Antonio, TX, holding a Series 63 designation and 30 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he established Revolution Wealth Management Insurance Agency, through which he sells non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research, model portfolios, and various technology tools.

Audra Kerr is a financial advisor with RBC Capital Markets in San Antonio, TX, holding a Series 66 license and 18 years of industry experience. She has been with RBC Capital Markets since 2014. Outside of her advisory role, Kerr is involved in several community and nonprofit activities, including serving as an elected official in the Cambridge Elementary PTO, a trustee and board member for the Biomedical Forum, and participating on boards and committees for various local nonprofit organizations. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base that includes individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, with investment strategies tailored to each client’s risk profile and implemented through a mix of in-house and third-party managers.

Arturo Calvillo is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Securities LLC and JP Morgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs proprietary fundamental research combined with quantitative and algorithmic portfolio construction, offering services such as discretionary portfolio management, fund advisory, and model portfolio delivery.