Nicholas Moragne is a CFP® with 13 years of industry experience, currently affiliated with J.P. Morgan Securities in Houston, TX. His career includes roles at J.P. Morgan Chase Bank and Regions Bank, as well as Cetera Investment Services. J.P. Morgan Securities LLC 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Benjamin Callahan is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Investments, Morgan Stanley DW Inc., and Wells Fargo Clearing since 2016. Outside of his advisory role, he owns a home builder business and co-owns a fitness studio. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Christopher Ladas is an advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His background includes roles at JPMorgan Chase Bank, United Talent Agency, and Caitlyn Jenner Productions. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Justin Ponchak is a financial advisor with Ameriprise in Houston, TX, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, he owns and operates Ponchak Management, LLC, a construction business. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Sarah Spivey is a financial advisor at Merrill based in Houston, TX, holding a Series 66 designation with nine years of industry experience. She has worked at both Bank of America, N.A. and Merrill since 2012. 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.

Jaime Garza is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has prior experience at Pruco Securities LLC and Modern Brokers of America. Garza is also employed at Shell Federal Credit Union as part of the Ameriprise Financial Team. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm delivers structured recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team.

Jonathon Stark is a CFA® charterholder with 19 years of industry experience, currently serving at J.P. Morgan Securities in Houston, TX. He has been with J.P. Morgan Securities since 2009 and JPMORGAN Chase Bank, N.A. since 2016. Stark is a trustee for The Center for Hearing and Speech Foundation, where he participates in investment oversight for the organization’s endowment funds. J.P. Morgan Securities LLC 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 operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients maintain final decision authority.

John Wingate is a financial advisor with Wells Fargo Clearing in Houston, TX, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Investments, LLC from 2006 to 2011. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Kirk Lippert is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Clear Lake, Texas, where he has served clients for 18 years. He brings a comprehensive approach to wealth management, focusing on personalized strategies that align with clients’ long-term financial goals. His areas of expertise include education planning, retirement income, philanthropic planning, investment consulting for defined contribution plans, tax minimization, and portfolio management services. Kirk emphasizes collaboration with clients to develop flexible strategies responsive to evolving market conditions, leveraging the resources of Merrill and Bank of America. Kirk’s professional background spans over two decades as a Certified Public Accountant, a credential he earned in 1983 following his graduation from the University of Kansas with a Bachelor of Science degree in Accounting and Business Administration. His accounting career and global experiences—in Saudi Arabia, Lebanon, and The Netherlands—inform his advisory approach. He holds several financial designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in professional and community initiatives, Kirk is a member of the Texas Society of Certified Public Accountants and has contributed leadership through roles such as Chairman of the Houston Chapter of CPAs Bay Area Satellite Group and participation on the City of Friendswood Texas Community & Economic Development Committee. Outside his professional life, Kirk enjoys baseball, golfing, and spending time with his family.

Blake Fox is a Wealth Management Advisor with The Fox Group at Merrill, a wealth-management team based in Houston. He works closely with multiple generations of client families, helping individuals at various life stages take a strategic approach to their financial lives. As a third-generation advisor within the Fox Group, Blake contributes to the tradition of service and integrity that defines his team. Blake focuses on wealth-management planning, long-term strategy, technology integration, and relationship development. He leads the implementation and updating of clients’ Personal Wealth Analysis, providing a cohesive framework for evaluating financial goals. Blake has worked at Merrill since 2019. Before joining Merrill, he spent three years as a professional baseball player with the Milwaukee Brewers organization. He holds a Bachelor of Arts in Sports Management from Rice University, where he was recognized with several athletic honors. Blake holds the CERTIFIED FINANCIAL PLANNER® certification and FINRA Series 7 and 66 registrations. He serves as an assistant baseball coach at Episcopal High School. In his free time, he enjoys lifting weights, playing golf, reading, trying new coffee places, and traveling.

Cynthia Molina is a financial advisor at Ameriprise in Houston, TX, holding a Series 66 designation with five years of industry experience. She previously worked at Merrill for four years and spent four years at Moore IT Services prior to entering the financial sector. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through comprehensive reports and ongoing advice.

Tyler Morgan is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America N.A., Nextep Inc., SagePoint Financial, and Fuqua Financial LLC. Outside of finance, he has experience in the restaurant industry with roles at Napa Flats Wood-Fired Kitchen and Pier 36 Seafood and Oyster Bar. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rosaland Edwards is a financial advisor at LPL Financial with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2015, following prior roles at Edward Jones and Morgan Stanley DW Inc. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Dawn Rodriguez is a financial advisor with LPL Financial in Houston, TX, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with LPL Financial since 2006, following seven years at Chase Investment Services Corp. Outside of her advisory role, she is involved in fixed insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by technology tools for research and operations.

Zachary Greer is a financial advisor at Primerica Advisors in Houston, TX, holding Series 63 and Series 65 designations. He has been with Primerica Advisors since 2026 and previously worked at Primerica Financial Services starting in 2025. Prior to his financial career, he spent several years in education at Clear Falls High School, Bayside Intermediate, and Mossman Elementary. Primerica Advisors manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and offers model-based investment strategies supported by third-party asset managers and custodians.

Cory Dowell is a CFP® certified financial advisor with 28 years of industry experience, currently with UBS Financial Services since 2020. Prior to UBS, he spent 16 years at Sandford C. Bernstein. Outside of his advisory work, Dowell serves on the investment committee for the United Way of Tarrant County and manages a family farm in Oklahoma. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management through proprietary research and a broad range of capital markets services.

Michael Murphy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at A. G. Edwards & Sons, Inc. in 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with comprehensive investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute to support diversified investment strategies.

John Arredondo is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2019. Prior to that, he held roles at State Farm, Maury Roofing & Exteriors, and the University of Houston. Merrill, along 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.

Edmund Hollub IV is a financial advisor at Primerica Advisors with six years of industry experience. He holds Series 63 and Series 65 credentials. Outside of financial advising, he has been involved with Modern Plumbing for over 15 years and participates in sales of home security, automation products, and loan products through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors alongside corporate and charitable clients. The firm employs model-based strategies and operates at scale with thousands of advisors and billions in assets under management.

Robert Garza is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He holds the Chartered Retirement Planning Counselor (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He is licensed with NMLS#1349198. Robert works with clients to develop personalized financial strategies aimed at achieving their short-, mid-, and long-term goals. His approach involves understanding each client's unique priorities to provide tailored wealth management solutions. With over 20 years of experience, Robert's areas of expertise include managing new wealth, personal retirement planning, sports and entertainment financial strategies, and retirement income planning. Through his association with Merrill Lynch and Bank of America, he also offers access to banking convenience and lending solutions to support his clients' financial needs. He serves clients in both English and Spanish. Robert holds a bachelor's degree from the University of Houston. Outside of his professional role, he is involved in community activities, including past service as Little League president and volunteer from 2002 to 2010, and participation with Habitat for Humanity Houston. His personal interests include baseball, music, and traveling.