Paul Ray is a financial advisor with J.P. Morgan Securities LLC based in Fort Worth, TX. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. Prior to joining J.P. Morgan in 2023, he worked at Phillips Ray Capital Management, Inc. for 21 years. Outside of his advisory role, he is a limited partner in a real estate partnership owning a building in Fort Worth. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis.

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 with Morgan Stanley in Fort Worth, TX, holding a Series 66 credential and seven years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to that, he was involved with the Santa Barbara Youth Music Academy for two years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, to support its financial planning process.

Clint Swinney is a CFP® with 26 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and has been 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 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. The firm operates within the larger J.P. Morgan organization and offers a range of services on a non-discretionary basis.

Adrian Sparks is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 66 designation and previously worked at Capital One Investing for two years before joining Wells Fargo in 2017. Outside of his advisory role, he performs as a musician providing entertainment for various events in Texarkana, Texas. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Thomas Simonton IV is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. Outside of his advisory role, he is involved in sales for a roofing and home upgrades company in Mansfield, Texas. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

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 with one year of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2024. Prior to his roles in finance, he gained experience at companies including Adobe, Workfront, and PricewaterhouseCoopers. 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. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Noe Alvarado is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank in Texas since 2006. He holds Series 63 and Series 66 licenses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christine Carrillo is a financial advisor at Fidelity with 15 years of industry experience. She holds Series 63 and Series 66 designations. Carrillo has been associated with Fidelity Investments since 2008 and has worked with Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and delivers model portfolios to intermediary platforms.

Thomas Gamez is a CFP®-designated financial advisor with LPL Financial in Hurst, TX, bringing 30 years of industry experience. He has been with LPL Financial since 2005. In addition to his advisory role, he acts as an independent contract agent offering Medicare health plans through Secure Horizons by United Healthcare and serves as a notary in Texas. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, and retirement plan consulting, utilizing a range of discretionary and non-discretionary management strategies supported by internal and third-party research.

Lawrence Terry is a financial advisor with Ameriprise in Arlington, TX, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its recommendations, with a focus on assets held in Ameriprise Managed Accounts.

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.

Steven Powell is a financial advisor with Ameriprise in Bedford, TX, holding a Series 63 designation and 28 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Powell is also involved in business administration through his ownership of Serenity River, Inc. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Barron is a financial advisor with Equitable Advisors in Fort Worth, TX. He holds a Series 66 designation and has two years of industry experience. His prior work history includes roles at Opportunity Resource Services and the University of Texas at Arlington. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutional investors, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm utilizes LPL-sponsored programs and various endorsed TAMPs to deliver advisory and brokerage solutions.

Edward Carmona is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Texas Trust Credit Union. Outside of his financial career, he is a managing member of Carmona Capital LLC, an interior design business based in Dallas, TX. 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, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Scott Parrish is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Primerica Advisors and Primerica Financial Services. Outside of his advisory work, Parrish serves as a pastor at Bullard Southern Baptist Church and is involved with WayPoints Coaching Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary portfolio management supported by internal and third-party research.

Gaige Northrup is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His work history includes roles at JPMorgan Chase Bank, Bird Rides Inc., and several other organizations across different sectors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary wealth advisory services supported by a centralized due-diligence framework.

Emma Beavers is a financial advisor with Raymond James & Associates in Fort Worth, TX, holding a Series 66 designation and seven years of industry experience. Prior to joining Raymond James, she worked at Bank of America and Merrill Lynch. She is also the author of a finance book titled *The ABCs of Finance*. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutional and pension plans, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, drawing on a range of portfolio management styles and affiliated research.