Kirk Lippert is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Clear Lake, Texas, where he has served clients for 18 years. He brings a comprehensive approach to wealth management, focusing on personalized strategies that align with clients’ long-term financial goals. His areas of expertise include education planning, retirement income, philanthropic planning, investment consulting for defined contribution plans, tax minimization, and portfolio management services. Kirk emphasizes collaboration with clients to develop flexible strategies responsive to evolving market conditions, leveraging the resources of Merrill and Bank of America. Kirk’s professional background spans over two decades as a Certified Public Accountant, a credential he earned in 1983 following his graduation from the University of Kansas with a Bachelor of Science degree in Accounting and Business Administration. His accounting career and global experiences—in Saudi Arabia, Lebanon, and The Netherlands—inform his advisory approach. He holds several financial designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in professional and community initiatives, Kirk is a member of the Texas Society of Certified Public Accountants and has contributed leadership through roles such as Chairman of the Houston Chapter of CPAs Bay Area Satellite Group and participation on the City of Friendswood Texas Community & Economic Development Committee. Outside his professional life, Kirk enjoys baseball, golfing, and spending time with his family.

Cynthia Molina is a financial advisor at Ameriprise in Houston, TX, holding a Series 66 designation with five years of industry experience. She previously worked at Merrill for four years and spent four years at Moore IT Services prior to entering the financial sector. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through comprehensive reports and ongoing advice.

Oluwakemi Akinkugbe is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked in various roles within Wells Fargo since 2015. Outside of her advisory work, she serves as a guardian for her son. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using Wells Fargo’s research and planning tools.

James Miller is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2016. He specializes in helping clients address complex financial needs through personalized wealth management planning aimed at providing clarity in their financial lives. His expertise includes retirement and estate planning services, employee benefits planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, tax minimization, retirement income, legacy planning, and employee financial health. James holds a Bachelor's Degree from Texas A&M University and has earned the Personal Investment Advisor (PIA) designation. He focuses on customizing financial strategies that align with each client's investment personality and objectives to help them achieve their financial goals. He resides in Houston with his wife Lauren, their two children, Elle and Connor, and their pug Millie. James enjoys basketball, football, golfing, spending time with his family, and traveling.

William Sutton is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked at Morgan Stanley since 2017, with prior roles at Wells Fargo Clearing, Wells Fargo Investments, Stanford Group Company, and Merrill. Sutton serves on the Advisory Board and Finance Committee of the non-profit Career and Recovery Resources, Inc. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of retail and institutional investment solutions.

Karen Blanco is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has one year of industry experience and previously worked at Credit Recovery Group LLC for ten years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative annual planning engagements using advanced software tools and supports event-driven planning programs, including recent additions like Divorce Planning.

Zachary Greer is a financial advisor with Primerica Advisors in Houston, TX. He holds Series 65 and Series 63 licenses and has been with Primerica Advisors since 2026. Prior to this, he worked at Primerica Financial Services and has experience in education, having taught at multiple schools since 2013. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale and offers model-based investment strategies supported by third-party asset managers and custodial services.

Ryan Elder is a financial advisor at Cetera with 14 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Foresters Advisory Services and Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm provides portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party managers across various program structures.

Edmund Hollub IV is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 63 and Series 65 credentials. Outside of financial advising, he has been involved with Modern Plumbing for over 15 years and participates in sales of home security, automation products, and loan products through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors alongside corporate and charitable clients. The firm employs model-based strategies and operates at scale with thousands of advisors and billions in assets under management.

Kyle Mather is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works closely with clients to simplify financial complexities and develop personalized strategies aimed at achieving lasting financial success. His approach focuses on empowering clients to make confident, informed decisions aligned with their financial goals. Prior to his current position, Kyle held multiple roles at Fidelity Investments, including Investment Consultant, Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate, gaining a breadth of experience in investment and client relationship management. In 2022, he also worked as an Insurance Agent at LionHeart Advisers. In his personal time, Kyle engages in activities such as family-related events, fitness, military service, caring for pets, reading, and traveling.

William Selzer is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Prior to that, he worked at Citigroup Global Markets from 1989 to 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, including customized financial planning supported by firm-approved tools and data. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Vivian Griffith is a CFP® with 15 years of industry experience, currently serving at Fidelity Investments since 2012, including seven years with Fidelity Personal and Workplace Advisors. She holds a Series 63 license and operates out of Houston, TX. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and manages model portfolios built from mutual funds, ETFs, and ETPs, while overseeing sub-advisers and addressing conflicts of interest.

Roberto Monroy is a financial advisor with Morgan Stanley in Houston, TX, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2014. Outside of his advisory role, Monroy is involved in a small family business related to the sale of hay. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

James Woldert is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and bringing 25 years of industry experience. His career includes roles at UBS Financial Services and Citigroup Global Markets before joining Morgan Stanley, where he has worked since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and modeling methods. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and corporate financial planning agreements.

Johan Varghese is a financial advisor at Thrivent Investment Management with Series 66 credentials. He has recently started his career in the industry, joining Thrivent Investment Management in 2025. Prior to this, his background includes various roles in education and community organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without portfolio management for institutional clients. The firm offers standalone or ongoing planning relationships and integrates planning with managed-account services through a consolidated billing option.

William Hughes is a financial advisor at J.P. Morgan Securities in Houston, TX, holding Series 63 and Series 66 licenses with four years of industry experience. His prior work includes roles at United Heritage Credit Union, Tapestry Inc, and Gap Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Melissa Jacobsen is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill, Charles Schwab & Co., Inc., and DriveTime. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and investment modeling techniques.

Ryan Greer is a financial advisor with Primerica Advisors in Houston, TX, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he is involved in business activities including part-ownership in entities formed for Primerica-related purposes and receives compensation related to loan product sales and home security services referrals. Primerica Advisors is a discretionary portfolio manager that primarily serves individual investors, as well as corporate and charitable clients. The firm operates at scale, managing approximately $15.5 billion in assets through model-based investment strategies supported by third-party asset managers and custodians.

Jose Solis Vega is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he assists with a family-run home construction business in the Houston area. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Mark Hetzer is a financial advisor with LPL Financial holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2026, he worked at JP Morgan Chase Bank and J.P. Morgan Securities from 2022 to 2026, and at Merrill and Bank of America from 2019 to 2022. He also has experience in marketing and sports medicine from earlier roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing various investment strategies and platforms, supported by advanced operational tools, and manages over $819 billion in discretionary assets.