Jacob Kidd is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sanford C. Bernstein & Co. LLC, Hilton Hotels, and Three Part Advisors, LLC. Kidd is based in San Antonio, TX. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a large-scale, integrated structure with a range of advisory and custodial services.

Jeffrey Bowers is a financial advisor with Morgan Stanley in San Antonio, TX, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley in 2021, he spent five years with JPMorgan Securities LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Christopher Mata is a Financial Consultant at Fidelity Investments, a position he has held since 2015. In this role, he partners with clients to develop and implement financial plans using a variety of financial planning tools and investment options available at Fidelity. He focuses on wealth planning and aims to help clients work toward achieving their financial goals while providing customer service. Christopher has a broad background in financial services, with experience dating back to 2002. Prior to his current role, he held positions including Investment Representative and Relationship Manager at Fidelity Investments, Account Executive at JP Morgan Chase Private Bank, Personal Banker at Chase Bank, and Financial Advisor at American Express Financial Advisors. Outside of his professional work, Christopher enjoys family activities, fitness, exploring food, hiking, and traveling.

Kelly Kerr is a financial advisor with RBC Capital Markets in San Antonio, TX, holding Series 63 and Series 65 credentials and with 26 years of industry experience. She has been with RBC Capital Markets since 2014. Outside of her advisory role, Kerr is the owner and passive partner of an auto finance business and serves as a committee member of The Nonprofit Council in San Antonio, supporting local 501(c)(3) organizations. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Brock Brower is a financial advisor with Ameriprise in San Antonio, TX, holding a Series 66 designation and 26 years of industry experience. He has worked with Ameriprise and its affiliates since 2000. Outside of advisory services, he is involved in managing business operations and owns several real estate and property management entities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing tax-aware withdrawal planning for clients approaching or in retirement.

Robert Willis Jr. is a Series 66-credentialed financial advisor with Edward Jones in San Antonio, Texas, where he has worked since 2019. He has six years of industry experience and also serves as a part-time Community Minister at Oak Hills Church, supporting community group activities and classes. Prior to joining Edward Jones, he worked at Morrell Masonry Supply for ten years. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options. The firm operates under a fiduciary standard and has a large national presence with over 23,000 financial advisors and more than $1 trillion in assets under management.

Charles Morales is a financial advisor at Morgan Stanley in San Antonio, TX, with 24 years of industry experience. He has held positions at Morgan Stanley since 2022 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes structured discovery conversations and planning tools.

Eric Zeitler is a financial advisor with LPL Financial in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Spc and Sigma Financial Corporation for a decade. He also operates Eric Zeitler Investments LLC, a business entity for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers diverse advisory programs and services, including financial planning, retirement consulting, and brokerage, utilizing model portfolios and research to provide both discretionary and non-discretionary management.

David Cortez is a financial advisor with J.P. Morgan Securities in San Antonio, TX, holding Series 65 and Series 63 licenses. He has three years of industry experience, with prior roles at Fidelity Investments, KeyBank, and Frost Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized manager due diligence and an ESG eligibility framework.

Francisco Gonzalez is a financial advisor at Charles Schwab with 23 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2019, including time at Charles Schwab Bank, SSB. His prior experience includes roles at CUSO Financial Services, LP and University Federal Credit Union. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab’s integrated model combines non-discretionary advisory services with access to discretionary separately managed accounts and alternative investment options.

Elwyn Godsey is a financial advisor with Primerica Advisors in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been associated with Primerica Financial Services and PFS Investments Inc. since 1984 and has also worked at the Godsey/Martin Law Firm since 2012. In addition to advisory work, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and offers discretionary separately managed accounts supported by BNY Mellon Advisors and Pershing.

Jesus Guerra is a financial advisor at Primerica Advisors with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles, including at Primerica Mortgage LLC and as a Texas real estate agent. Outside of financial services, he owns Marco Vending and is active as a real estate agent with Texas Premier Realty in San Antonio. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, utilizing model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure.

Michael Cullipher is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and with 14 years of industry experience. His prior roles include positions at USAA Financial Advisors and Usaa Investment Management Company. He is currently based in San Antonio, TX. Charles Schwab & Co., Inc. serves a large client base, 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Joshua Zimmer is a financial advisor at Charles Schwab in San Antonio, TX, holding Series 63 and Series 65 licenses with 12 years of industry experience. His prior roles include positions at Victory Capital Advisers, Fis, and USAA Financial Advisors. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advice with access to affiliated discretionary SMA portfolios and a structured alternative investment platform.

Jason Parker is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017 and MetLife Resources from 2006 to 2017. Outside of his advisory role, he is a partner in a family LLC formed to sell inherited land. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses firm-approved software to analyze client goals and provides recommendations through ongoing, collaborative planning engagements.

Christopher Belsjoe is a financial advisor at Merrill with Series 63 and Series 65 credentials and 10 years of industry experience. He has held positions at Bank of America, USAA Investment Management Company, USAA Financial Planning Services, USAA Financial Advisors Inc, and CitiBank. He is based in San Antonio, TX. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Samuel Ribak is a financial advisor with Equitable Advisors in San Antonio, TX, holding a PFS™ designation and Series 63 and 66 licenses. He has 33 years of industry experience, including 24 years with Equitable Advisors and prior work at AXA Advisors. Ribak also operates a tax preparation practice outside of securities trading hours. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage channels to execute client recommendations.

Lisa Reyes is a Series 66-licensed financial advisor with Merrill in San Antonio, TX, where she has worked since 2006. She has 11 years of industry experience. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Horsman is a financial advisor with Cetera, holding a Series 66 credential and two years of industry experience. He has worked at multiple Cetera entities since 2023 and is involved with Aspect Wealth Management in a client services role. Outside of his advisory work, Horsman serves as an executive board member and secretary for FEAST, a nonprofit focused on education, and volunteers as an executive board member for TeenPact Leadership Schools. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, accommodating various investment strategies and program structures across a large network of advisors.

Fernando Alvarez Calderon is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and having 39 years of industry experience. He has worked at Merrill since 2013 and has also been with Bank of America, N.A. since 2014. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.