Jennifer Sugden is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and CUSO Financial Services, L.P., among other firms. Sugden is also involved with the University Federal Credit Union as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Jacob Thomas is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He brings a range of experience within Fidelity, having served in multiple roles including Investment Consultant, Planning Consultant, Fixed Income Specialist, and Investment Solutions Representative. Throughout his career at Fidelity Investments, Jacob has developed a comprehensive understanding of investment and financial planning strategies. His progression through various positions at Fidelity reflects a broad expertise in financial consulting and investment solutions. Jacob's work is centered on providing guidance, clarity, and support to help clients navigate their financial lives with confidence.

David Porter is a Series 66 licensed advisor with Merrill in Austin, TX, with 23 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. 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.

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 with J.P. Morgan Securities in Round Rock, TX, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2017, with prior experience at VALIC Financial Advisors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and centralized due diligence to deliver customized, non-discretionary advice.

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, specializing in providing personalized financial solutions to high net-worth individuals and their families. He focuses on connecting all aspects of a client's financial life to prioritize and pursue their most important goals. Justin applies a client-defined, goals-based approach that emphasizes transparency, frequent communication, and high customer service standards. With over ten years of experience, Justin's expertise includes executive compensation, family wealth management strategies, legacy planning, retirement planning, portfolio management, tax minimization, and business succession planning. He and his team provide detailed guidance on retirement planning for individuals and business owners, estate planning, risk management, cash flow analysis, and credit liabilities. Justin holds a Bachelor's degree from Texas State University System and is a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor. Outside of work, he enjoys spending time outdoors with his wife and children, long-distance running, golf, and being a father.

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 at UBS Financial Services in Austin, TX, with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a range of capital markets solutions. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and model-based asset allocations.

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.

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® professional with 38 years of experience in the financial services industry. He currently works at OSAIC and previously spent nine years at Lincoln Financial Securities Corporation. Outside of his advisory role, he serves on the finance council advisory board for St. John Vianney Church, is a board member and treasurer of the Central Texas Community Foundation, and participates on the board of Rock, a nonprofit focused on equine-assisted therapy. OSAIC serves a diverse range of retail and institutional clients through a wide network of advisers and offers integrated brokerage, advisory services, financial planning, and access to multiple investment platforms and third-party managers.

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 five years of industry experience. He holds Series 63 and Series 66 licenses. His work history includes roles at Fidelity Investments, Equitable Advisors, and a period as an independent contractor for DoorDash. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

George Caviedes is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2024. Outside of his advisory role, he owns Mozzafiato Homes LLC, a residential interior design and remodeling business based in Austin, Texas, where he is involved in bookkeeping and sales consulting. 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 team of Wealth Advisors. The firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.