Charles Espey is a financial advisor with UBS Financial Services in Plano, TX, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Goldman Sachs and Capital One. He has been with UBS since 2017. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management solutions.

Cynthia Michel is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC, spanning from 2016 to 2024, as well as experience with Allstate Insurance Co. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, model portfolio programs, third-party asset management, and brokerage and insurance products through an integrated platform that combines advisory services with product sales.

Mark Ahmadi is a financial advisor with Edward Jones in McKinney, TX, holding CFP®, ChFC®, and Series 63 designations and has 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors. The firm manages approximately $1.01 trillion in assets and provides both discretionary and non-discretionary strategies under a fiduciary standard.

Richard Thompson is a financial advisor with Mass Mutual Investors Services, holding a Series 63 credential and 35 years of industry experience. He has worked at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1990 and has been with Mass Mutual Investors Services since 2017. Outside of his advisory role, Thompson serves as treasurer of the Laurel Creek Home Owners Association. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual, collaborative engagements that focus on goal analysis and written recommendations, with implementation handled separately.

James Sartain Jr. is a financial advisor at Vanguard Advisers with Series 63 and Series 65 certifications and two years of industry experience. Prior to joining Vanguard in 2026, he worked at Boston Consulting Group and has been involved with GrayFin Ventures LLC, a non-investment related business. He has also operated Texas Growler LLC since 2013. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach to set personalized asset allocations primarily through Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery platform, serving hundreds of thousands of clients with more than 2,200 advisors.

Wesley Camp is a CFP® with 32 years of industry experience, currently affiliated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and has a longstanding association with Ottawa Financial Corporation dating back to 1994. Wesley also sells life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and more than $256 billion in assets under management.

Michael Vandegrifft is a financial advisor with J.P. Morgan Securities in Frisco, TX, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work experience includes roles at Glast, Phillips & Murray, PC, and businesses in the hospitality and fitness sectors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Harry Wallace III is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2015. Outside of his advisory role, he is involved with HT Legacy Ice, a corporation focused on automated ice machine operations in Celina, Texas. 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 institutions.

Luke Haddad is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors, Trinity Industries, Life Time, Inc., and the University of Texas Arlington. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Krish Patel is a financial advisor with J.P. Morgan Securities holding Series 63 and Series 65 credentials and has three years of industry experience. He has prior involvement as owner of KJSJ LLC and works as a caregiver at Heart That Care, providing home care for his grandmother. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by offering investment consulting and advisory services through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized manager due diligence.

Nicole Elliott is a financial advisor with J.P. Morgan Securities in Plano, TX, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has previously worked at Charles Schwab, Mass Mutual Investors Services, and MetLife Securities. Outside of her advisory role, she is an owner and partner of a men’s hair salon, The TBM Group LLC, located in Frisco, TX. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence to deliver non-discretionary advice that incorporates an ESG eligibility framework.

Kevin Robertson is a financial advisor with Merrill in McKinney, Texas, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2000. Outside of his advisory role, he serves on the Scholarship Committee for the Foundation for Allen Schools, where he reviews and interviews scholarship applicants. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies and a roster of manager-constructed strategies, supported by oversight from its CIO and tax-efficient implementation tools, and benefits from integration with Bank of America affiliates.

Craig Saunders is a CFP® with over 31 years of experience in the financial industry. He has been with Ameriprise since 2005, currently serving at the firm's Prosper, TX office. Outside of advising, he holds business ownership in real estate through CJS Family Properties. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Waltmon is a financial advisor with Charles Schwab in Plano, TX, holding the CFP® designation and Series 63 and 66 licenses. He has 24 years of industry experience, including prior roles at TD Ameritrade and Charles Schwab Bank. 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 a mix of non-discretionary and discretionary investment management, leveraging multi-asset model portfolios and a centralized operational structure.

Roger Bell is a financial advisor with LPL Financial in Frisco, TX, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he operates a non-variable insurance business under Bell Financial Group and is a licensed notary. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of advisory programs, retirement plan consulting, and research-driven portfolio management through a network of investment adviser representatives.

Jeffery Davis is a financial advisor at Ameriprise Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and Morgan Stanley. Davis’s background also includes experience outside finance with Team Sports Agency and Millar Construction. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sean Kemery is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has 12 years of industry experience, including roles at Edward Jones and Dataminr Inc. Kemery has been with J.P. Morgan since 2022. 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 select group of Wealth Advisors. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Teresa Watters is a Series 66 licensed financial advisor with 16 years of industry experience. She has worked at LPL Financial since 2020 and previously held positions at Jimmy Lee, Waddell & Reed, Inc., and various insurance carriers. In addition to her advisory work, she has involvement in mortgage and real estate services through Versolis Lending Group and O K A E Enterprises. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Cole Baker is a financial advisor with Edward Jones in Plano, TX, holding a Series 66 designation and beginning his industry experience in 2024. He has worked at Edward Jones since 2024, with additional roles at First Baptist Woodway and Specialty Restoration of Texas prior to joining the firm. Baker attended Texas A&M University from 2021 to 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Robert Mackey is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads the Mackey Brennan Wealth Management Group, a team of seven professionals. Since joining Merrill Lynch in 1991, Robert has been recognized by Forbes from 2018 through 2025 as one of the Best-in-State Wealth Advisors, and his team has been similarly honored from 2023 to 2026. He also earned a place on Barron's Top 1,200 Financial Advisors list in 2015. Robert trains and mentors other financial advisors nationwide, emphasizing a goals-based wealth management approach. Robert's expertise includes family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. He works closely with affluent families and business owners to align their investments with estate and retirement plans, often coordinating meetings with clients' attorneys and CPAs. His firm focuses on understanding clients' fears, hopes, and envisioned lifestyles to create holistic investment solutions. Robert also educates the next generation on financial management. He holds a Bachelor's degree in Economics and Finance from Spring Hill College and has earned professional credentials including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Robert serves on the boards of John Paul II High School in Plano, Mother Teresa Catholic School in Frisco, and The Catholic Foundation in Dallas. He lives in Parker, Texas with his wife Cathy and their three children. His personal interests include hiking, running, spending time with family, and traveling.