Michael Rabinovich is a Series 63 licensed financial advisor with UBS Financial Services in McAllen, Texas, where he has worked since 1994, accumulating 32 years of industry experience. He is a managing partner of H&R Partners, overseeing legal and accounting compliance for the business. He also serves as manager of Venture BAAMM LLC, which invests in a local bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

David Wirt is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2017. Prior to joining J.P. Morgan, he worked at VALIC Financial Advisors, Inc. from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and includes expertise in derivatives and commodities through its broader regulatory registrations.

Carolina Ospina is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Justin Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management with over ten years of experience in the financial advisory industry. He specializes in working with high net-worth individuals, business owners, and corporate executives, providing customized financial solutions tailored to clients' risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. His expertise encompasses executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. Justin holds a Bachelor's Degree from the Texas State University System and holds professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He focuses on a goals-based approach to wealth management, emphasizing transparency, frequent communication, and high standards of customer service. His services include investment advice, retirement planning, estate planning, risk management, liabilities and credit, cash flow analysis, and business succession planning. Outside of his professional work, Justin enjoys spending time outdoors with his wife, Erin, and their children, Sloan and Max. His personal interests include baseball, fishing, golfing, hiking, running marathons, and traveling. He values the opportunity to positively impact the lives of his clients and their families through comprehensive financial planning.

Andrew Etsell is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work history includes roles at Bank of America, National Credit Center, and Spectrum 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Justin Montandon is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of his advisory role, he owns Montandon Cattle Co., a cattle and livestock business, and is involved in operations management at Montandon And Associates. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, delivering customized, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Stefani Price is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Mass Mutual Investors Services since 2017, as well as MassMutual Life Insurance Company since 2016. Prior to that, she spent 19 years at Metlife Securities Inc. She is also the managing member of a family real estate holding company representing inherited land interests. 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, estates, charitable organizations, and employers.

Michael Costa is a financial advisor with UBS Financial Services in Austin, TX, holding Series 63 and Series 66 registrations and bringing 28 years of industry experience. He has been with UBS since 2016, including a prior role at TD Ameritrade from 2004 to 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm provides a broad range of offerings including fee-based financial planning and portfolio management, supported by research from its Chief Investment Office and UBS Global Research.

Robert Schmelzer is a financial advisor with Cetera, holding Series 63, Series 65, and Series 66 designations and 13 years of industry experience. He has worked with First Allied Securities and First Allied Advisory Services before joining Cetera. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers. The firm operates a multi-manager platform with various program options and oversees more than $256 billion in assets through a nationwide network of over 10,000 advisors.

Troy Hein is a Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2022. He began his financial services career in 2019 and has developed a focus on working with athletes, industry professionals, and high net worth individuals to build, manage, and preserve their wealth. Troy and his team work closely with families and small business owners to create wealth management strategies that align with their specific goals. His areas of expertise include education planning, equity compensation services, family wealth management strategies, employee financial health, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, tax minimization, and retirement income. Troy’s approach emphasizes listening to clients and assisting them in making informed decisions to develop comprehensive financial plans. Troy holds a Bachelor's Degree from Stephen F Austin State University and holds the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. Outside of his professional work, he enjoys golfing, hunting, music, and writing.

Joseph Fisher is a financial advisor at Cetera with seven years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior roles include positions at Voya Financial Advisors, Inc. and AXA Advisors. Outside of financial advising, he is also a content creator in the gaming space as a Twitch streamer. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services supported by a large network of over 10,000 advisors.

Kyle West is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2021. He partners with clients and their families to develop customized financial plans tailored to their personal needs. Kyle focuses on identifying both short-term and long-term goals to build and improve financial plans, maintaining ongoing communication throughout the process. Kyle has been with Fidelity Investments since 2015, progressing through roles including Investment Consultant, Relationship Manager, Retirement Solutions Representative, and High Net Worth Associate. He holds an Arkansas Insurance License, supporting his work with clients. Outside of his professional responsibilities, Kyle has interests in food, golf, movies, and traveling.

Bruce Bessner is a CFP® with 38 years of industry experience, currently serving at Osaic since 2025. His prior experience includes roles at Lincoln Financial Securities Corporation, New England Securities, MSI Financial Services, and others. Outside of advisory work, he is a board member and treasurer of the Central Texas Community Foundation and serves on the finance council board of St. John Vianney Church as well as nonprofit boards related to equine-assisted therapy. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment process with various portfolio management options and is notable for its scale, affiliate network, and integration of multiple custodial and legacy program arrangements.

Taylor Boice is a financial advisor at Ameriprise with 10 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, Merrill, Stifel Nicolaus, and Frontier Bank of Texas, where he also manages the Frontier Wealth Advisors Program. Boice is based in Austin, TX. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning supported by a centralized service team using proprietary research and algorithmic tools.

Lin Edwards is a financial advisor with Wells Fargo Advisors in Austin, TX, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. Prior to joining Wells Fargo Advisors in 2017, Edwards worked at Bank of America and Merrill. He is also the owner and trustee of Monarch Wealth Management Inc., an investment-related business based in Bee Cave, TX. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Sebastian Yates is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, he held roles at Procter & Gamble and several companies in the food service industry. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a wide array of advisory programs supported by structured discovery processes and advanced planning tools.

Gabriel Loehr is a financial advisor at Fidelity with six years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Equitable Advisors and Dell Technologies EMC. Outside of advisory work, he has also worked as an independent contractor for DoorDash. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios based on long-term asset allocation benchmarks.

Carissa Mc Clintock is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. She has been with Charles Schwab since 2015 and currently works at Charles Schwab Bank, SSB. 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 both non-discretionary and discretionary investment options, combining multi-asset model portfolios with due diligence on alternative investments and centralized operational support.

George Caviedes is a Series 66 licensed advisor with J.P. Morgan Securities, where he has worked since 2024. He has over 19 years of experience with JPMorgan Chase Bank, N.A. and is also the owner of Mozzafiato Homes LLC, a residential interior design and remodeling consulting business. 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 searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research with forward-looking capital market assumptions.

John Deng is a financial advisor with J.P. Morgan Securities in Austin, TX, holding Series 63 and Series 66 licenses and with 12 years of industry experience. He is also an owner and partner of Jstar Capital Investments IV, LLC, which invests in promissory notes related to a medical device company specializing in patented bone-fastening screws. John has worked at various J.P. Morgan entities 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, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.