Caroline Sievers is a CFA® charterholder with 14 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in Houston, TX. She has been with JPMorgan Chase Bank NA and J.P. Morgan Securities since 2013. Outside of her advisory role, she serves as Treasurer of the St. John the Divine Episcopalian Church Women Board, overseeing accounting and budget duties. 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. The firm’s advisory process integrates centralized due diligence and combines quantitative and qualitative research to support tailored investment recommendations.

Michael Marks is a CFP® professional with 31 years of experience in the financial industry. He is currently with LPL Financial in Houston, TX, and has previously worked at JPMorgan Securities LLC, Hancock Whitney Investment Services Inc., and CUNA Brokerage Services, Inc. Marks is also associated with Alliant Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Raymond Frierson is a financial advisor with LPL Financial in Houston, TX, holding a Series 63 license and bringing 32 years of industry experience. He has been with LPL Financial since 2002 and previously worked at Greenbriar Financial Services and 1st Global Advisors. Frierson also serves as a certified public accountant and has acted in fiduciary roles for family trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various investment programs and utilizes research-driven tools, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Clarence Grier Jr. is a financial advisor at RBC Capital Markets in Houston, TX, with 29 years of industry experience. He holds a Series 63 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to client risk profiles and investment preferences.

Lauren Ulloa is a financial advisor at OSAIC in Houston, TX, with seven years of industry experience. She holds the Series 66 designation and previously worked at Royal Alliance and World Financial Advisors. Prior to her career in finance, she was employed by the Houston Police Department. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio programs. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various tools and options for discretionary or advisor-managed strategies.

Shaelyn Dobson is a financial advisor at Osaic with 16 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Osaic in 2023, she worked at SagePoint Financial beginning in 2010. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supporting both discretionary and advisor-managed strategies.

Renee Lofland is a financial advisor with Morgan Stanley in Houston, TX, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she volunteers as a precinct chair for the Harris County GOP, organizing get-out-the-vote campaigns in her neighborhood. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets through its Financial Advisors and Estate Planning Strategies Group.

Ashford Fulmer is a financial advisor at J.P. Morgan Securities with eight years of industry experience and holds a Series 66 designation. He has worked at firms including Fidelity Investments, Merrill, and TD Ameritrade. Outside of his advisory role, he is an owner and partner of two real estate ventures, Opulent Oasis Realty Acquisitions LLC and Redwood Realty Acquisitions LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, offering non-discretionary, written asset allocation advice and customized performance reporting supported by centralized due diligence and a forward-looking investment process.

Nicole Boniface is a financial advisor at Raymond James & Associates with 21 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 10 years before joining Raymond James in 2019. Outside of her advisory role, she is the owner of a photography business and serves as Treasurer and Board Member for the Lake Creek Royals Booster Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide network of advisors.

James Starnes Jr. is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing one year of industry experience. Prior to Cetera, he worked at Mass Mutual and has been involved in baseball coaching as an independent contractor. He also serves as a registered administrative assistant at Totus Wealth Management. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and retirement services. The firm operates a multi-manager platform that provides advisors access to affiliated and third-party investment models and strategies.

Emily Agruso is a financial advisor with Raymond James Financial Services Advisors, Inc. in Houston, TX. She holds the Series 66 designation and has experience working in financial services and insurance since 2024. Her prior work includes roles at Lockton Insurance and employment at the University of Houston. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning supported by analytical tools and maintains specialized programs in municipal and retirement plan advisory services.

Thanh Nguyen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America/Merrill Lynch and NY Life/Eagle Strategies. Outside of his professional work, he is involved with Nguyen Sisters Investments LLC, a commercial real estate holding company, and occasionally supports his husband's skincare business by attending conventions. 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 combines quantitative and qualitative research and incorporates ESG considerations, with implementation supported by affiliated entities.

Sara Cebas Mc Bride is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with a range of wealth management and institutional trading capabilities.

Steve Livlanich is a financial advisor with Ameriprise in Humble, TX, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement plans through a centralized consulting team.

Kimberly Latimer is a Certified Financial Planner® at Ameriprise Financial Services with 19 years of industry experience. She has previously worked at Bank of America, Merrill, Morgan Stanley, and Chilton Capital Management. She serves on the Board of Directors for The Women's Resource of Greater Houston. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Kayla Connelly is a financial advisor with LPL Financial in Houston, TX, holding Series 65 and Series 63 licenses and four years of industry experience. Her prior roles include positions at Dealerweb Inc., Alexis Advisors, LLC, and the University of Richmond. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a broad range of advisory and brokerage services including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Alain Gardner is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior experience includes roles at J.P. Morgan Securities and JP Morgan Chase Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute with diversified investment approaches.

Heidi Alikpokou is a financial advisor at Morgan Stanley in Houston, TX, with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

David Alper is a financial advisor with Merrill in Houston, TX, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with Merrill since 2004. 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.

Robert Nichols is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm operates on a large scale, managing approximately $671 billion in assets with over 14,000 financial advisors, and offers a range of brokerage and advisory solutions.