Jesse Esbeck is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and previously worked for the Attorney General of Texas for 13 years before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristen Rieger is a Wealth Management Senior Relationship Manager at Fidelity Investments. She has held this role since 2026, focusing on delivering personalized service and long-term partnership to her clients. Prior to her current position, Kristen worked as a Financial Consultant at Fidelity Investments from 2024 to 2026. Before joining Fidelity, she was a Financial Solutions Advisor at Merrill Lynch - Bank of America from 2022 to 2024, gaining experience in wealth management and financial consulting. Kristen emphasizes a commitment to her clients' goals and legacy, ensuring a service experience characterized by discretion and foresight.

Varkey Babukutty is a CFP® and CPA with 32 years of experience in the financial services industry. He is currently with Cetera and has experience running his own firm, Babukutty Financial, since 2017. In addition to advising, he provides tax planning and tax return preparation services. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with discretionary and non-discretionary portfolio management and access to third-party money managers.

Martin Enriquez is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 63 designation and 39 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016, following 19 years at Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to model outcomes.

Emery Nyilas is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and 65 designations and has been with Morgan Stanley since 2016. Outside of his advisory role, Emery is involved in automotive activities, including classic and antique car restoration and working as a driver for Mecum Auto Auctions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by proprietary tools and research from its Global Investment Committee.

Patrick Falcon is a financial advisor with Cetera and holds a Series 66 designation. He has 25 years of industry experience and has worked at firms including Avantax Investment Services and 1st Global Advisors. He also operates his own wealth management entity, Patrick A. Falcon, PC, based in Houston, TX. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across multiple program structures and custodial relationships.

Stephen Levine is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with Cetera and its affiliate firms since 2013 and is also the owner of Tradewins Financial, LLC. Outside of his advisory role, Levine participates in bass fishing tournaments as a sponsored fisherman. Cetera Investment Advisers LLC is a nationwide advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary strategies across multiple program structures.

Martha Robinson is a financial advisor with OSAIC based in Houston, TX, holding a Series 66 designation and 25 years of industry experience. She previously worked at Woodbury Financial Services, Inc. for 13 years and Equitable Advisors for 10 years. Outside of her primary role, she serves as a financial advisor for SilverOak Financial Group, a limited partnership offering comprehensive financial planning and alternative investment strategies. OSAIC serves a diverse client base, including retail and institutional investors, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, incorporating tools like risk-tolerance questionnaires and efficient frontier analysis.

Verlin Hobbs is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping families and business owners achieve their financial goals through personalized wealth management strategies. Verlin focuses on areas such as college education planning, divorce transition planning, family wealth management, personal retirement planning, small business strategies, special needs planning, and retirement income. He is committed to working one-on-one with clients to develop financial strategies tailored to their long-term objectives. In addition to his professional role, Verlin participates in community activities, including volunteering with the Houston Food Bank. His personal interests include basketball, chess, cooking, dancing, football, golfing, hiking, music, traveling, and yoga.

Christopher Smith is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley since 2009 and is currently associated with Morgan Stanley Private Bank, National Association since 2015. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and research, managing approximately $2.74 trillion in client assets.

Elizabeth Ares is a financial advisor at Fidelity with seven years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at PNC Bank, BBVA USA, BBVA Compass, and Compass Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage and advise on a range of portfolios, including multi-manager and fund-of-funds structures.

Ruben Brito is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the CFA® designation along with Series 63 and Series 66 licenses. Prior to his current role, he worked at Morgan Stanley Private Bank, N.A., and previously held positions at Mellig Group, Lyondellbasell, and SunEdison, Inc. Outside of his advisory work, he serves as a sports coach at The Kinkaid School in Houston, Texas. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Justin Neal is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies designed around his clients' life priorities, collaborating to align financial plans with what matters most to individuals and their families. Justin leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to provide comprehensive portfolio management and financial planning services. His client focus areas include retirement income, legacy planning, socially responsible and ESG investing, tax minimization, college education planning, and individual and corporate investment strategies. With a Bachelor’s Degree from Colorado School of Mines and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), Justin has developed a breadth of knowledge in personal, business, and advanced financial planning strategies. He aims to build lasting relationships by supporting generational wealth creation and transfer while managing portfolios designed to perform across various economic conditions. Justin serves diverse clients including high-net-worth professionals, helping them to retire successfully and maintain long-term financial stability. Beyond his professional role, Justin is actively involved in community organizations such as Baytown Broncos Youth Football, the CIS Board, East Harris County Empowerment Council, Faith and Family Church, GCCISD, Holy Family Catholic Church, and Knights of Peter Claver. He enjoys personal interests including basketball, billiards, fishing, football, golfing, painting, reading, running, traveling, and writing.

Lance Hutchins is a financial advisor with UBS Financial Services in Houston, TX, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he owns and operates a family farm specializing in hay sales. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Eunice Gonzalez is a financial advisor with Merrill in Bellaire, TX, holding a Series 66 designation and four years of industry experience. She previously worked at Bank of America from 2006 to 2022. Outside of her advisory role, she is involved in a home healthcare business providing overnight care for a quadriplegic individual. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melinda De La Torriente is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 firm-approved planning tools, including Global Investment Committee estimates and Monte Carlo simulations, to support client planning.

Pablo Ruiz-Berlanga is an International Wealth Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2002. With over twenty-eight years in the banking industry, he specializes in family wealth management strategies, international wealth management, and portfolio management services. He holds a Master's degree from George Washington University and a Bachelor's degree from ITESM. Pablo is also a Personal Investment Advisor (PIA). Outside of his professional work, Pablo enjoys playing tennis, biking, painting, and traveling. He speaks Spanish and Italian and has an interest in art.

Cole Robbins is a Financial Consultant at Fidelity Investments, where he partners with clients to develop personalized financial plans tailored to their goals and unique needs. He focuses on building strong relationships and trust with clients and their families. Cole has held various roles at Fidelity Investments since 2021, progressing from Customer Relationship Advocate to Financial Consultant. Prior to this, he gained experience in banking as a Client Service Associate at Zions Bank and as an On-Site Banker at US Bank. He holds insurance licenses for Arkansas and California.

Lisa Bogert 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 worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that include but do not rely on individual security recommendations within its standalone planning programs.

Vicente Velez Pacheco is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at Actinver Wealth Management, Inc. and Actinver Securities, Inc. for eight years. Outside of finance, he has been involved with Garibaldi Bakery since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process using advanced tools and models, and manages approximately $2.74 trillion in client assets.