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.

Alexandra Squires is a financial advisor at Equitable Advisors with one year of industry experience. Her background includes roles in financial services client support and various positions outside the advisory field. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, brokerage, insurance, and third-party asset management solutions. The firm operates as both an SEC-registered investment adviser and broker-dealer, emphasizing program sponsors and third-party managers to deliver advisory and brokerage services.

Ivan Galindo is a CFP® and ChFC® with 26 years of experience in the financial services industry. He is currently with Charles Schwab in San Antonio, TX, where he has worked since 2021. Prior to Schwab, he held various roles at USAA, including positions in financial planning and investment services from 2007 to 2021. Charles Schwab & Co., Inc. serves 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, supported by multi-asset model portfolios, due diligence on alternative investments, and centralized custody and operational functions.

Robert Shefelton is a financial advisor with LPL Enterprise in San Antonio, TX. He holds Series 63 and Series 65 credentials and has held positions at Northwestern Mutual and Keller Williams. Prior to entering the financial services industry, he worked for eight years at SmartWay Transportation. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and a platform that integrates financial products such as insurance through affiliated entities.

Karen Rader is a Series 66 licensed financial advisor with Edward Jones in San Antonio, Texas, and has 14 years of experience at the firm. She has no reported external business activities with responsibilities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and affiliated investment offerings.

Andi Berzani is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 63 and Series 66 credentials and has worked at several firms including PNC Bank, BBVA Securities, and UMB Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis through a select group of Wealth Advisors.

Bella Hampton is a financial advisor with Morgan Stanley in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her prior roles include positions at Charles Schwab Bank, Charles Schwab & Co., USAA Investment Management Company, and USAA Financial Advisors. Outside of finance, she is involved in photography through her sole proprietorship, Bella Hampton Photography, and is a stakeholder in Element Luxury Fitness, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analyses.

Joshua Gonzalez is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in working with small business owners and families to develop customized investment strategies and provide guidance on exit planning. As a Personal Investment Advisor (PIA) holding a Certified Exit Planning Advisor® designation, Joshua manages discretionary investment portfolios incorporating Merrill’s model portfolios and third-party strategies. With a Bachelor's degree from the University of the Incarnate Word and an Accredited Certificate from the Exit Planning Institute, he combines his academic credentials with practical experience. Joshua draws upon his background as a former business owner and Certified Fitness Trainer to apply a disciplined, goal-driven approach to wealth management. Joshua actively participates in community organizations, serving as an officer on Bank of America's Board of Community Volunteers and as a board member of HOLA, supporting Hispanic leadership. He is also involved with local groups such as St. Anthony Claret CYO and Windsong UMC. Outside of his professional commitments, Joshua enjoys basketball, boxing, football, golfing, music, running marathons, volleyball, and spending time with his family.

John Shaffer III is a financial advisor at Edward Jones in San Antonio, TX, holding Series 63 and Series 66 designations with 32 years of industry experience. He has been with Edward Jones since 1993. 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 with a large network of financial advisors and branch offices nationwide, offering a range of investment advisory programs and affiliated financial services.

Clay Calderon is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at various J.P. Morgan entities since 2015. Outside of his advisory role, he works as a part-time food delivery contractor for Uber Eats. 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 through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations to deliver a range of advisory and brokerage services.

Carlos Henriquez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, having previously worked at JP Morgan Chase Bank NA. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.