William Reed is a financial advisor at First Financial Coaching, Inc. in Harlingen, TX, with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Triad Advisors, Inc. from 2010 to 2017. Outside of advising, Reed serves as president of a municipal utility district board. First Financial Coaching, Inc. provides investment advisory services, retirement plan consulting, and financial education to individuals, families, business owners, and corporations. The firm delivers primarily non-discretionary investment advice and partners with a third-party asset manager for discretionary portfolio management, while emphasizing financial education and analysis.

Mathew Reed is a Series 65-licensed advisor with First Financial Coaching, Inc. in Harlingen, TX, and has two years of industry experience. Prior to joining First Financial Coaching, he held roles at Vincero, Champion Teamwear, and several other companies. Outside of his advisory work, he is involved in a pizza sales and delivery business in Brownsville, TX. First Financial Coaching serves individuals, families, business owners, and corporate clients by providing non-discretionary investment advisory, retirement plan consulting, financial education, and financial analysis services. The firm typically arranges discretionary management through a co-advisory relationship with an independent manager and emphasizes client approval for transactions and ongoing monitoring.

Janet Harrington is a financial advisor with First Financial Coaching, Inc. in Harlingen, TX, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with First Financial Coaching since 2010 and previously worked at Triad Advisors, Inc. Harrington is also an insurance agent specializing in life and long-term care insurance. First Financial Coaching, Inc. serves individuals, families, business owners, and corporations by providing investment advisory services, retirement plan consulting, and financial education. The firm offers non-discretionary investment advice and partners with a third-party asset manager for discretionary portfolio management, emphasizing investment education and financial analysis.

John Little IV is a financial advisor with Virtue Capital Management, LLC, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He previously worked at Horter Investment Management and operates two insurance-related businesses focused on fixed insurance products and management. Virtue Capital Management serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios using tactical, strategic, and dynamic approaches and delivers advice through a multi-team model with ongoing monitoring, reporting, and client education.

Jose Martinez is a CFP® credentialed financial advisor at PNC Wealth Management with 16 years of industry experience. He has worked at several firms, including BBVA Wealth Solutions Inc. and Compass Bank. Outside of his advisory role, he is involved with JNV Gifts in a non-investment capacity. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and approved model strategies executed with mutual funds and ETFs.

Angelica Garrido is a financial advisor at PNC Wealth Management with 20 years of industry experience. She holds a Series 66 designation and has worked at several BBVA-related firms prior to joining PNC in 2021. Outside of her advisory role, she owns and manages rental properties. PNC Wealth Management offers retail brokerage and advisory services through a model-based digital program available by invitation to employees, utilizing algorithm-driven risk assessment and portfolio strategies managed by PNC and third-party strategists.

Matt Heffernan is a financial advisor with Ameriprise in Harlingen, TX, holding a Series 66 designation and 16 years of industry experience. He has been with Ameriprise since 2004. Outside of his advisory role, Heffernan serves as the finance chair on the board of directors for United Way in Harlingen. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Dennis Mitchell is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera Advisors LLC and First Allied Advisory Services. Outside of his advisory role, he is involved in managing Mitchell Ranch, a farming and ranching operation in Texas. 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 asset management services, utilizing both proprietary and third-party strategies while supporting advisors with technology and research tools.

Samuel Carter is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked at Edward Jones for 20 years before joining Ameriprise in 2023. Carter serves on the boards of The Marine Military Academy Foundation and The Valley Baptist Legacy Foundation. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement planning focused on dependable income and tax-aware withdrawal strategies.

Monte Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include long tenures at First Allied Securities and Cetera Advisors. Outside of his advisory work, he owns Valley Abstract & Trustee Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning and access to third-party asset management, with advice delivered through a large network of investment adviser representatives.

Eduardo Gonzalez is a financial advisor at Primerica Advisors with eight years of industry experience. He holds the Series 63 and Series 65 designations and has held roles at PFS Investments Inc. and Primerica Financial Services since 2017. Outside of finance, he owns and operates Tierra Santa Luxury LLC, a business focused on creating advertising content for small local businesses. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates through a large network of advisors and employs model-delivery strategies managed by unaffiliated asset managers.

Carlos Cuellar is a financial advisor at Edward Jones with 27 years of industry experience. He has held the Series 66 designation and has been with Edward Jones since 2002. The firm serves more than four million individual and institutional clients, offering a range of wealth management services including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds. Edward Jones manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

David Heffernan is a financial advisor with Ameriprise in Harlingen, TX, holding a Series 63 designation and 41 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and ongoing advice.

Louise Ambriz is a financial advisor with Edward Jones in Harlingen, TX, holding a Series 66 designation and nine years of industry experience. She has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Mezmar is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with LPL Financial since 2002 and previously worked at Merrill from 1997 to 2002. Outside of his advisory role, he operates Mezmar Insurance Agency, selling Medicare Supplement policies, and has a involvement in local politics and government. 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, various portfolio management programs, and institutional platforms, with advice primarily delivered by investment adviser representatives using a range of strategies and tools.