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 with J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities, Berzani held positions at PNC Bank, BBVA Securities, UMB Bank, Aflac, and Workforce Logiq. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research, incorporating capital market assumptions and ESG considerations.

Kenneth Arreazola is a financial advisor with J.P. Morgan Securities based in San Antonio, TX. He holds Series 63 and Series 66 designations and has one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, N.A., Charles Schwab, and served briefly in the Texas House of Representatives. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and incorporates an ESG eligibility framework in its recommendations.

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 focuses on assisting small business owners and families with strategic, personalized financial planning, including customized investment strategies managed on a discretionary basis. Joshua helps clients with areas such as exit planning, for which he holds a Certified Exit Planning Advisor® designation, and supports goals related to wealth preservation and transition. With 15 years of marriage and as a father of three, Joshua integrates his background as a former business owner and Certified Fitness Trainer into his disciplined approach to financial planning. He holds a Bachelor's Degree from the University of the Incarnate Word and has completed the Accredited Certificate Program from the Exit Planning Institute. Joshua also holds the Professional Investment Advisor (PIA) designation. In addition to his advisory role, Joshua serves as an officer on Bank of America's Board of Community Volunteers and as a board member of HOLA, promoting Hispanic leadership. His community involvement extends to organizations such as St. Anthony Claret CYO and Windsong UMC. Outside of work, his interests include basketball, boxing, football, golfing, music, running marathons, spending time with family, and volleyball.

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 Series 66 registered financial advisor with J.P. Morgan Securities in San Antonio, TX, with nine years of industry experience. He has worked at JPMorgan Chase and its affiliated entities since 2015. Outside of his advisory role, he occasionally works as a delivery contractor for Uber Eats. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses 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 and includes capabilities in derivatives and commodities.

Carlos Henriquez is a Series 66 licensed financial advisor with 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at J.P. Morgan Chase Bank NA and Edward Jones. He is based in San Antonio, TX. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Robert Alaniz is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Antonio, TX, holding a Series 66 credential and 20 years of industry experience. He has been associated with Raymond James and related entities, including Security Service Investment Group and Security Service Federal Credit Union, since 2016. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs including municipal and public-finance advisory services.

Justin Carmouche is a financial advisor at J.P. Morgan Securities in San Antonio, TX, holding Series 63 and Series 65 licenses. He has one year of industry experience, including prior roles at Increase Financial and various other organizations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and includes capabilities in derivatives and commodities through its broader regulatory registrations.

Alejandro Diez is a financial advisor with Wells Fargo Clearing in San Antonio, TX, holding a Series 66 designation and six years of industry experience. His prior positions include roles at Bank of America, Merrill, Citigroup, and MassMutual Texas Gulf Coast. 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Sandy Beauchamp is a financial advisor with Wells Fargo Advisors in San Antonio, TX, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. Prior to joining Wells Fargo Advisors in 2021, Beauchamp worked at Wells Fargo Clearing from 2016 to 2021 and Prudential Equity Group, LLC from 1993 to 2003. Outside of advisory work, Beauchamp is involved with Desert Springs Church in Albuquerque, NM, serving as a pastor/elder. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and integrated financial products.

Marilyn Ramsook Lilly is a CFP® professional with over 26 years of industry experience. She currently works at Fidelity and has held positions at Citigroup, Victory Capital Advisors, and several other financial services firms. She also operated StarApple, LLC as a self-employed business for one year. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse clients, including retail and institutional investors. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and is noted for its use of AI, algorithmic methods, and formal governance procedures.

Dolores Charles is a financial advisor at Charles Schwab with 22 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2020. Prior to this, she was with USAA Transfer Agency Company and USAA Investment Management Company. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated custody and brokerage services.

Rebecca Gonzalez is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 1 year of industry experience. She has worked at Merrill since 2012 and was previously affiliated with Texas AM International University for 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Katya Thompson Cantu is a financial advisor with Ameriprise in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining Ameriprise in 2021, she worked for CUNA Brokerage Services, Inc. and Randolph Brooks Federal Credit Union, where she provided financial advice to credit union members. Outside of her advisory role, she is also a freelance musician performing at scheduled events. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized Recommendation Reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Marshall Harrison is a Series 66 licensed advisor with Morgan Stanley in San Antonio, TX, and has three years of industry experience. Prior to joining Morgan Stanley, he worked at Airrosti Rehab Centers and Prosperity Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market scenario modeling.

John Mc Phillips Jr. is a financial advisor with Raymond James & Associates in San Antonio, TX, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones from 2016 to 2020 before joining Raymond James in 2020. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Catherine Morrison is a CFP® professional with 27 years of industry experience, currently with Wells Fargo Advisors since 2022. Her prior experience includes roles at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. She is also involved in a business venture as the owner of VERA NATURA LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and develops tailored recommendations using proprietary research and tools.

Lauren Martinez is a financial advisor at J.P. Morgan Securities in San Antonio, TX, holding a Series 66 designation and beginning her advisory career in 2026. Her prior work includes positions at JPMorgan Chase Bank, Equitable, Fraire Realty Group, and the University of Texas at San Antonio. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research and offers broader derivatives and commodities capabilities through various regulatory registrations and affiliations.