Justin Masci is a financial advisor with Charles Schwab & Co., Inc. in Austin, TX, holding Series 63 and Series 66 licenses with 10 years of industry experience. He has been with Charles Schwab since 2017 and previously had a one-year break in employment. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary financial planning and access to discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and multi-asset model portfolio approach supported by the Schwab Center for Financial Research.

Mark Permenter is a financial advisor at Raymond James & Associates with 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Stifel Nicolaus, UBS Financial Services, and Morgan Stanley. He holds the Series 63 and Series 65 credentials and is based in Austin, TX. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and public entities, and offers a range of financial planning and advisory services supported by firm research and multiple portfolio management styles.

Javier Ramos II is a financial advisor with LPL Financial in Austin, TX, holding Series 63 and Series 65 licenses and with seven years of industry experience. His prior work includes positions at Home Depot, IWC Financial Planning, IWC Insurance, Independent Wealth Consultants, and Walgreens. 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 a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

William Lawes is a financial advisor with UBS Financial Services in Austin, TX, holding a Series 66 designation and 12 years of industry experience. Prior to joining UBS in 2024, he worked at Morgan Stanley in various capacities from 2013 to 2024. Outside of his advisory work, Lawes is the author of two fiction novels and a poetry book, which are publicly available, and he is developing a screenplay based on his writings. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering fee-based financial planning, portfolio management, and capital markets solutions.

Melanie Dunn is a financial advisor at Charles Schwab with eight years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones and DexYP. Outside of her advisory role, she owns an LLC related to a residential real estate property. Charles Schwab & Co., Inc. serves a large client base, mainly high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and provides multi-asset model portfolios supported by research and alternative investment options.

Brett Bellcase is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

John Rowe is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, he worked at COSTAR Group and Blue Ridge Bank, among other roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in managing portfolios and serves as an advisor to multiple registered investment companies and fund-of-funds.

Richard Nelms is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. He previously worked at Capital Chemical Brokers LLC for five years and Accord Petrochemical Brokerage for six years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 financial advisors.

Katherine Morsbach is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for 10 years before joining Morgan Stanley Smith Barney LLC. Outside of her advisory role, she is a co-owner of a water, fire, and mold restoration business in Northwest Austin, though she is not involved in its operations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Darrell Rupert is a CFP® with 28 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax, 1st Global Advisors, and operated his own firm, Rupert Wealth Advisors, LLC. He volunteers providing pro bono financial coaching to widows and widowers through WINGS FOR WIDOWS. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with access to various investment strategies and third-party managers.

Angela Honey is a financial advisor with Wells Fargo Clearing in Austin, TX, holding Series 63 and Series 65 licenses and nine years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities, LLC, where she worked for six years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors, providing both brokerage and advisory solutions along with research-driven investment approaches.

Akshay Gupta is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill from 2019 to 2024. Outside of financial advising, he is involved in an electrical engineering business based in Jackson, MS. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning and model portfolio programs, supported by technology tools and a large network of advisors.

Zain Mian 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 Merrill Lynch and Raymond James Financial. Outside of finance, he was involved with UCLA Associated Students and worked for LTF Club Management Co LLC. 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.

Gabriel Fuentes is a CFP® professional with Series 63 registration, currently serving as a financial advisor at Fidelity in Austin, TX. He has three years of experience at Fidelity Investments, following prior roles at Charles Schwab & Co., Inc, Discount Tire, Sam's Club, and others. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts as well as model portfolios.

John Madden II is a financial advisor with Wells Fargo Clearing in Austin, TX, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a 50% owner and silent partner in Austin Leather Gallery LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, and it acts as an ERISA fiduciary when providing investment advice.

Juana Esparza is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials. Prior to her current role, she worked at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jose Banda is a financial advisor with J.P. Morgan Securities in Austin, TX, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and was previously involved with Bondas POV LLC from 2020 to 2022. Outside of his advisory role, he serves as a board member of bOnda LLC, an e-commerce company specializing in the sale of new and used shoes. 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. The firm operates with a non-discretionary program where clients retain decision-making authority, supported by an in-house manager solutions team and a centralized due diligence process.

Nathaniel Sorenson is a financial advisor with Wells Fargo Clearing in Austin, TX, holding a Series 66 designation and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Its advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Neal Cohen is a Series 66-credentialed financial advisor at Charles Schwab with six years of industry experience. He has been with Charles Schwab & Co. Inc. since 2016 and previously worked at Schwab Retirement Plan Services, Inc. from 2016 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts. The firm combines brokerage, advisory, custody, and cash-sweep services within an integrated operational framework.

Matthew Perez is a Series 66 licensed financial advisor with Merrill in Austin, TX, and has eight years of industry experience. He has worked at Merrill since 2018 and previously held positions at OfficeMax, The Bailey Group, and Dominos Pizza. 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 plans, corporations, and charitable organizations.