Trajko Papuckoski is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fisher Investments, Farmers Financial Solutions, Cetera Wealth Services, and Keeley Asset Management. Outside of his advisory role, Papuckoski serves as a board member for The Nativity of the Blessed Virgin Mary Macedonian Orthodox Church and participates in the financial committee of Saints Constantine & Helen Antiochian Orthodox Church. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and corporate entities, often serving clients with existing relationships through TIAA retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, offering both model and customized portfolios while applying a fiduciary standard across its services.

Joia Allen is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF in 2026, she worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC from 2022 to 2026. TIAA‑CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model portfolios and customized strategies.

Michael Foster is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with TIAA and TIAA-CREF since 2005. 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 offers model and customized portfolios under a fiduciary standard and serves clients often connected through TIAA-administered retirement plans.

Antonio Sosa is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and nine years of industry experience. He has been with TIAA and its affiliated entities since 2017 and previously worked at Texas Tech University from 2011 to 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm operates with a fiduciary standard for its RIA services and offers both model-based and customized portfolio management within a vertically integrated structure that includes affiliated funds.

Evan McGrath is a financial advisor at Allworth Financial, L.P. with eight years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior experience includes roles at Raa, Securities Service Network, Inc., and Asset & Financial Planning, Ltd. Allworth Financial serves a diverse client base, including individual and high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm provides financial and wealth planning, portfolio management, retirement plan consulting, and offers a variety of model and specialist investment strategies supported by both quantitative and qualitative analysis.

Todd Wiggins is a financial advisor with Oppenheimer in Dallas, TX, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at several major firms, including UBS Financial Services, Morgan Stanley, and Citigroup Global Markets, before joining Oppenheimer in 2016. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm offers a wide range of advisory programs and combines discretionary and non-discretionary services across equity, balanced, and fixed-income portfolios, with a notable portion of assets managed on a non-discretionary basis.

Eric Mcintyre is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with TIAA-CREF since 2015. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing relationships through TIAA-administered retirement plans. The firm’s advisory model distinguishes one-time planning services from ongoing portfolio management, and it acts as adviser to a donor-advised fund while operating within a vertically integrated structure that includes affiliated funds.

Judith Espinosa is a CFP® professional affiliated with Schwab Wealth Advisory, based in Westlake, TX, with three years of industry experience. Her prior roles include positions at Charles Schwab Investment Management and TD Ameritrade Inc. She holds Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing proprietary asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts overseen by third-party or affiliated money managers.

Aaron Harvey is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and with 20 years of industry experience. He has worked at several firms including Charles Schwab, Investment Professionals Inc, Cambridge Investment Research Advisors, CIM Wealth Advisors, and Edward Jones. Outside of his advisory work, he is the sole owner of 3 Up 3 Down LLC, a small business focused on buying and selling sports trading cards online. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to deliver tailored recommendations without exercising discretionary trading authority.

Charles Abbott is a CFP® certificant with nine years of industry experience, currently a financial advisor at Allworth Financial, L.P. He previously worked at JPMorgan Chase Bank and JPMorgan Securities from 2019 to 2024 and has experience teaching online undergraduate courses in personal finance at Texas Tech University. Abbott also consults for The American College of Financial Services, reviewing student case study responses related to financial planning. Allworth Financial serves a diverse client base including individuals, high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm employs a combination of quantitative and qualitative analysis to implement customized investment strategies across various asset classes and offers both discretionary and non-discretionary portfolio management along with financial and wealth planning services.

Saul Ruiz is a financial advisor at TIAA-CREF with seven years of industry experience. He holds the Series 66 designation and has previously worked at Fisher Investments, Kaplan, Vanguard Advisers, Charles Schwab, Best Buy, and Wal-Mart. He is based in Frisco, TX. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management under a fiduciary standard through various managed account programs.

Joshua Coe is a financial advisor with OSAIC Institutions, INC. based in Coppell, TX, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Infinex Investments, Inc., Morgan Stanley & Co. LLC, Natcity Investments, Inc., and Ameriprise. OSAIC Institutions serves individuals, trusts, estates, charitable organizations, and corporate clients through a broad network of investment adviser representatives. The firm offers customized advisory services, including financial planning, ERISA plan services, wrap programs, and brokerage and insurance products, delivering solutions through both discretionary and non-discretionary approaches.

Michelle Hahn is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. Prior to this, she worked for Ausdal Financial Partners, Inc. for seven years and has been involved with CFO4Life since 2017. She serves on the finance committee of Trietsch Memorial United Methodist Church, where she participates in reviewing and approving the church’s financials. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset allocation models and internal research tools. The firm offers tailored, at-least-annual reviews and does not exercise discretionary trading authority.

Jared Eichler is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab & Co., Inc., State Farm VP Management Corp, Ben Archer Insurance Agency, Edward Jones, and Central Texas Orthopedic Products. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach utilizes proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Myles Hernandez is a CFP®-certified financial advisor with six years of industry experience, currently with Schwab Wealth Advisory in Westlake, TX. He has held previous roles at Steward Partners Investment Advisory, Raymond James Financial Services, and worked within Charles Schwab & Co., Inc. since 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach centers on asset allocation and investment selection guided by internal research tools and standard models, with client authorization required for trade execution.

Joshua Phillips is a financial advisor with Eagle Strategies (NY Life) based in Dallas, TX. He holds Series 65 and Series 63 licenses and has one year of industry experience. In addition to his advisory role, Phillips owns and operates Fire Pit and Chill, an internet retail store specializing in outdoor living products. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria.

Elysa Flores is a financial advisor at Mariner in Plano, TX, holding a Series 65 credential. She has been with Mariner since 2023 and has prior work experience outside the industry at Baskin Robbins. Elysa’s background includes several years as a full-time student before entering the advisory field. Mariner serves a broad range of clients including individuals, trusts, and institutional investors by offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm combines in-house research with third-party managers and provides integrated tax and accounting services alongside traditional portfolio management.

Stephen Wiggins is a financial advisor with Equity Services, Inc. in Fort Worth, TX. He holds Series 65 and Series 63 licenses and has 18 years of industry experience, including roles at Fidelity Investments and National Life Group. Equity Services, Inc. offers financial planning, consulting, and asset management to a range of clients such as individuals, corporations, trusts, and charitable organizations. The firm provides multiple advisory platforms, combining long-term investment strategies with options for shorter-term trading, and operates as both a broker-dealer and an SEC-registered investment adviser.

Timothy Aragon is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His work history includes roles at Transamerica Investors Securities Corporation, TRANSAMERICA Retirement Solutions, State Farm VP Management Corp., and Justin Kenney Insurance Agency. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs that provide managed investment advice and education. The firm leverages Morningstar Investment Management’s proprietary tools and model portfolios to deliver asset allocation and retirement planning guidance, primarily focusing on non-discretionary assets across a large client base.

Stephanie Hays is a financial advisor with Principal Financial Services based in Southlake, TX. She holds a Series 66 designation and has 18 years of industry experience. Hays has been with Principal Life Insurance Company since 2011 and manages her own tax-related entity, Hays Financial Strategies. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.