Ronald Kudlacek is a CFP® with 22 years of industry experience, currently serving at Cetera Planning Partners. His prior roles include positions at Plains Wealth Management, Plains State Bank, and Avanatx Advisory Services, among others. He is also a partner in RKBW, LLC, a business involved in convenience store equipment leasing and sales. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and retirement-related advice. The firm integrates a diversified investment approach with ancillary services such as tax planning, bookkeeping, and estate planning through a third-party provider.

Israel Cruz Gonzalez is a CFP® professional with experience at Mercer Global Advisors, Inc., Westwood Wealth Management, and Wealth Development Strategies LLC. He is based in Houston, TX, and has been active in the financial services industry since 2018. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of advisory and planning services. The firm follows an investment approach based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios implemented through various strategies including low-cost ETFs and direct indexing.

Larry Nemoto Jr. is a CFP® and Series 63 credentialed financial advisor with 31 years of industry experience. He has been with J.W. Cole Financial, Inc. and Jonathan Roberts Advisory Group, Inc. since 2003. Outside of his advisory roles, he operates a consulting business focused on accounting and taxes. J.W. Cole Advisors, Inc. supports a large network of independent advisors, offering fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms. The firm serves individuals, high-net-worth clients, and institutional accounts through both discretionary and non-discretionary strategies that incorporate fundamental and technical analysis.

Yancey Mbolda is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials and eight years of industry experience. His work history includes roles at Mercor, Inheritguard, LLC, Instacart, and Transamerica Employee Benefits. Transamerica Financial Advisors serves a diverse client base, offering both advisory and broker-dealer services through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Juliana Ramirez is a financial advisor at Empower Advisory Group in Katy, TX, holding a Series 66 designation. She has one year of industry experience with prior roles including positions at Mariner Finance and Empower Financial Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and offers both point-in-time financial plans and optional managed account solutions.

Min Hu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Transamerica Financial Advisors since 2012 and has additional roles as a health insurance agent with Anthem Blue Cross and Benefit Mall. Hu is also a co-owner of the R.C. and M.G. Hu Family Trust. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm’s advisory approach primarily uses model portfolios and third-party managers, supported by a large network of advisors and multiple program platforms.

Rachel Romero is a CFP® professional with four years of industry experience. She currently works at Wealth Enhancement Advisory Services, LLC and Wealth Enhancement Group, having previously been with The Financial Advisory Group, Inc. from 2018 to 2024. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, charitable organizations, corporations, and retirement plans through a network of hundreds of advisors. The firm offers financial planning, asset management, and specialized retirement plan consulting, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Jason Caras is a financial advisor at Truist Advisory Services with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Westwood Wealth Management, Bank of America, and Frank Law Firm. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, utilizing third-party platforms and AI-enabled research tools to support its investment process.

Karly Hughes is a financial advisor with Valic Financial Advisors in Houston, TX. She holds a Series 66 designation and joined the firm in 2025. Prior to her current role, Hughes worked in various positions primarily within dental and medical-related organizations. She is also appointed as an agent to sell non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Jeremy Joaquin is a financial advisor with VOYA Financial Advisors, Inc. in Houston, TX, holding a Series 66 designation and 20 years of industry experience. His prior work includes roles at Voya Financial Partners, LLC, and Wells Fargo Investments, LLC. Outside of advising, he is a commissioned notary public. VOYA Financial Advisors, Inc. serves a broad client base including individuals, pension plans, and charitable organizations, offering financial planning, portfolio management, and retirement advisory services. The firm utilizes both in-house and external strategists with technology-enabled tools to structure client relationships, providing services primarily on a non-discretionary basis with some discretionary management options.

Victoria Cooper is a financial advisor with Guardian Life, holding Series 65 and Series 63 licenses and eight years of industry experience. She previously worked at Centric Advisors, LLC and StoneTurn Group, LLP. Outside of finance, she serves as the Budget Chair for the Junior League of The Woodlands and is involved in divorce financial analysis through her consulting firm, New Path Financials LLC. Guardian Life’s Park Avenue® Wealth Management provides brokerage and advisory services to individuals, businesses, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting solutions tailored to client needs.

Joseph Anderson is a CFA® charterholder and holds a Series 66 license with 11 years of industry experience. He has worked at Citigroup Global Markets since 2018 and previously held positions at The Monroe Vos Consulting Group, Mv Securities Group, and Insperity. Based in Houston, TX, Anderson serves clients through Citigroup Global Markets, an enterprise firm with over 2,400 advisors. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs along with execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Dr. Michelle Lloyd is a financial advisor with Valic Financial Advisors in Houston, TX, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. She is also the founder of Lloyd Learning Labs, an organization that supports parents coping with anxiety related to their teens leaving home after high school. Additionally, she serves as an agent selling non-securities insurance products for Agia. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management, financial planning, and consulting services. The firm utilizes discretionary unified managed accounts through Envestnet’s platform and offers tax-aware and ESG overlay services.

Jitendra Worah is a financial advisor with Transamerica Financial Advisors in Houston, TX, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with firms including WealthWave and S&B Engineers and Constructors Ltd. Outside of advisory work, he serves as an election official for Harris County and is a board member of the Harris County Municipal Utility District #118. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base that includes individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory strategies and operates an integrated retirement plan ecosystem through affiliated entities.

Dennis Lambert is a financial advisor with Concurrent Investment Advisors, LLC in Houston, TX, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling, RBC Capital Markets, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and UBS Financial Services. Outside of advisory work, he serves as Treasurer and board member of the Texas Ranger Association Foundation and is President of Caballo Rojo Ranch, LLC, a livestock advertising and publication business. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm that serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by internal due diligence, strategic asset allocation, and integrated operational tools.

Keista Ransom is a financial advisor with VOYA Financial Advisors, Inc. in Houston, TX, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. She has been with VOYA Financial Advisors in various capacities since 2006, with a brief tenure at Invest Financial Corporation in 2014. Her other business activities include involvement with the sale and service of Voya’s Health Reimbursement Arrangement product. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial, serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, and retirement advisory services through a large network of representatives, combining model portfolios and technology-enabled tools to implement both non-discretionary and discretionary investment strategies.

Vianne Dorak is a financial advisor with Valic Financial Advisors in Houston, TX, holding a Series 66 designation and one year of industry experience. Prior to joining Valic, she held positions in the insurance and hospitality industries and has served as an agent selling non-securities insurance products. She also has a background that includes roles in education. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning services through a large network of advisors. The firm utilizes discretionary unified managed accounts and technology-driven model solutions to manage assets on a significant scale.

Marissa Kerns is a financial advisor at VALIC Financial Advisors in Houston, TX, with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with VALIC Financial Advisors since 2005. In addition to her advisory role, she is an agent with Agia, where she is involved in non-securities insurance products. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Syed Majid is a financial advisor with Valic Financial Advisors in Houston, TX, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Prior to joining Valic Financial Advisors in 2025, he worked at J.P. Morgan Securities for several years and has experience with Scottrade and Xnergy Financial LLC. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Stephen Janak is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with TIAA-CREF since 2005. Outside of his advisory role, he is involved in land rental activities. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm operates a fiduciary advisory model that separates point-in-time planning from ongoing discretionary management and serves as adviser to a donor-advised fund.