Justine Juele is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 15 years of industry experience. Her career includes roles at TD Ameritrade and Wells Fargo Clearing before joining Vanguard in 2022. Vanguard Advisers offers automated and human-supported investment advice, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to create portfolios using Vanguard funds and ETFs, emphasizing scale and digital delivery through its extensive advisor team.

Risdon Woodard III is a CFP® and ChFC® with 50 years of experience in financial advising. He joined LPL Financial in 2024 after nearly five decades with Lincoln Financial Advisors Corporation. He is involved in various business activities outside of advising, including ownership roles in several business entities for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Victor Barton is a financial advisor at Thrivent Investment Management with seven years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Thrivent since 2018. Prior to his current role, he spent ten years at St. Mark's School of Texas and five years at The University of Texas at Dallas. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning with a focus on broad financial topics and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

Lewis Phaosada is a financial advisor at J.P. Morgan Securities in Plano, TX, holding Series 63 and Series 65 credentials. He has worked in various roles since 2016, joining J.P. Morgan Securities in 2026. Prior to this, his experience includes positions at Ka Thai North Dallas, PNC Bank, and other firms. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Cynthia Hernandez is a financial advisor with J.P. Morgan Securities in Plano, TX, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 1993. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes an ESG eligibility framework, with implementation supported by affiliated investment-management entities.

Aaron Francis is a financial advisor with Merrill in Frisco, TX, holding a Series 66 license and 18 years of industry experience. His prior roles include positions at UBS Financial Services, Scottrade, Inc., and Equitable Advisors. He serves as the executor of an estate and trustee for a living trust, managing assets and disbursing them according to the terms of the estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, and institutional investors.

Stephen Nsien is a financial advisor with J.P. Morgan Securities in Frisco, TX. He holds Series 63 and Series 65 designations and has four years of industry experience. His prior roles include positions at Fisher Investments and Ontellus, as well as a decade-long tenure at Digestive Center Associates. Outside of his advisory work, he operates a notary business focusing on notarizing documents in correctional facilities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Hui Ling Paez is a financial advisor with Vanguard Advisers in Plano, TX, holding Series 63 and Series 66 licenses and possessing four years of industry experience. Prior to joining Vanguard Advisers, she worked for several firms including Charles Schwab TD Ameritrade and Johnson & Johnson Taiwan. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios largely composed of Vanguard funds and ETFs, supported by a large digital platform and team servicing model.

Christopher Lee is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. He assists clients in building financial plans and educates them on various financial options, aiming to simplify concepts to focus on application and execution. He has been with Fidelity Investments since 2014, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Christopher worked as an Operations Consultant at Bank of America from 2011 to 2014 and as a Credit Risk Analyst at United Bank from 2010 to 2011. Outside of his professional career, Christopher's personal interests include cars, family activities, golf, snowboarding, and traveling.

Travis Taylor is a financial advisor at Merrill with 28 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Merrill since 1999, previously associated with Bank of America, N.A. Taylor serves on the Social Enterprise Steering Committee of Grace Avenue United Methodist Church in Frisco, TX. Merrill, alongside 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 various institutional investors.

Warren Foreman Jr. is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Cetera and previously worked at Edward Jones for eight years. Outside of his advisory role, Foreman serves as an elected board member of the Dickinson State University Heritage Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and third-party managers, supporting both discretionary and non-discretionary account management.

Suhrob Karimov is a financial advisor with Ameriprise in Frisco, TX, holding a Series 66 designation and eight years of industry experience. He previously worked at Edward Jones for seven years and at Crest Cadillac, part of Berkshire Hathaway Automotive, for two years. Karimov also provides financial advice through RBFCU. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research and modeling to deliver tailored, non-discretionary recommendations focused on income sources, tax efficiency, and withdrawal strategies.

John Hill is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2017, progressing through various positions including Investment Consultant, Planning Consultant, Relationship Manager, Investment Solutions Representative, Personalized Planning & Advice, and Customer Relationship Advocate. John specializes in financial planning and investment guidance, partnering with families to develop comprehensive financial plans aimed at achieving financial freedom and resilience across varying market conditions. His approach focuses on empowering clients to make measurable changes in their financial lives through robust strategies. Outside of his professional work, John has interests in cars, family activities, and golf.

Homer Ramirez is a CFP® professional with 14 years of industry experience, currently serving at Raymond James & Associates since 2024. Prior to this, he worked for nine years at JPMorgan Securities LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research.

Lloyd Woelfle is a CFP® with 50 years of industry experience, currently affiliated with Ameriprise in Frisco, TX. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is a co-owner of Woelfle-Notman, LLC, a business that manages his Ameriprise practice. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning advice through a centralized team working alongside advisors. The firm’s approach includes detailed retirement income recommendations focused on income sources and tax-efficient withdrawal strategies within an investment framework influenced by its affiliated product ecosystem.

Tierra Hulsey is a financial advisor at Vanguard Advisers with three years of industry experience. She holds a Series 66 designation and has prior experience at JPMorgan Chase Bank, J.P. Morgan Securities, and Arvest Wealth Management. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages client portfolios primarily with Vanguard funds and ETFs.

Debora Knaak is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2015, also working at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process uses a combination of quantitative and qualitative research, incorporating forward-looking capital market assumptions and an ESG eligibility framework in its recommendations.

Paula Czapko is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in personal retirement planning, women and wealth, and retirement income, working closely with clients to develop personalized financial strategies tailored to their individual goals. Paula has been in the financial industry since graduating from Texas Christian University, where she earned her bachelor's degree. She holds the Personal Investment Advisor (PIA) designation, reflecting her commitment to professional development and client service. In her personal time, Paula enjoys cooking, gardening, and horseback riding.

Suzanne Houston is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process involves written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Margaret Sanchez is a financial advisor with Merrill in Frisco, TX, holding a Series 63 designation and 36 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she is a co-owner of a family rental property business. 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.