Vania Magallanes is a financial advisor at KWS Advisory Group, LLC in Laredo, TX, holding a Series 65 credential with four years of industry experience. She has been with KWS Financial Group since 2020 and has also worked with the Laredo Independent School District since 2010. Outside of advising, she serves as CEO of Millennial Rentals, LLC, managing contracting for an investment property. KWS Advisory Group provides discretionary asset management and financial planning services to individuals, trusts, estates, corporations, and retirement accounts, managing approximately $9.1 million in client assets. The firm uses a combination of fundamental, technical, charting, and cyclical analysis and employs third-party platforms and managers in its portfolio construction.

Claudette Soto is a financial advisor at Cresta Advisors with a Series 65 designation and two years of industry experience. Prior to joining Cresta Advisors, she worked at Commerce Bank and has held positions in various other industries including education and hospitality. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets, serving individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both discretionary and non-discretionary retirement plan services.

Manuel Garza is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013, where he serves as managing member. Garza is also active as an insurance agent, selling fixed life and annuity products. Additionally, he contributes time as a volunteer at Texas A&M International University’s A.R. Sanchez, Jr. School of Business. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to build and manage portfolios.

Mark Deutsch is a financial advisor at Cresta Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013. Outside of his advisory role, he is a partner and managing member in several mineral and real estate entities. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to construct and monitor portfolios.

Jeronimo Martinez is a financial advisor at Cresta Advisors with one year of industry experience. He holds a Series 65 designation and previously worked at the Webb County Treasurer’s Office and International Business Advisors. Cresta Advisors manages approximately $533 million in client assets and serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both consulting and discretionary retirement plan management services.

Diego Lucatero is a financial advisor at Cresta Advisors with a Series 65 designation and two years of industry experience. Prior to his work in finance, he held positions at Texas Roadhouse and Olive Garden. He has been a student since 2014. Cresta Advisors provides portfolio management, financial consulting, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, corporations, endowments, non-profits, and plan sponsors. The firm offers both non-discretionary and discretionary fiduciary services, operates a wrap-fee program, and combines fundamental and technical analysis with Modern Portfolio Theory in its investment approach.

Ismael Delgado Jr. is a financial advisor at Cresta Advisors with Series 63 and Series 65 credentials and five years of industry experience. His prior work includes roles at New York Life Insurance Co, Primerica Advisors, and the United Independent School District. Outside of advising, he is the owner of Vista Hermosa Holdings, LLC, an LLC for a rental property. Cresta Advisors manages approximately $533 million in client assets, serving individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and investment policy statements.

Luis Guajardo is a CFP® and holds a Series 65 license with eight years of industry experience. He has worked at Kovack Advisors, Inc. since 2026 and spent nine years at Cresta Advisors LLC. He also has two years of experience at the University of the Incarnate Word. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, banks, and government entities, using a combination of internally developed models and third-party managers to implement portfolios.

Oscar Lopez is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Tejas Financial Advisors and DBR Engineering Consultants. He is also involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Alexandra Melo Saldana is a financial advisor at Empower Advisory Group with one year of industry experience. She holds a Series 66 designation and previously worked at Faro Wealth and United Independent School District. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated solutions tied to Empower’s recordkeeping and administrative platforms.

Carlos De La Garza is a financial advisor at Sanctuary Advisors, LLC, with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. He serves as a board member of the Laredo Rotary Charitable Foundation and participates in the Texas Workforce Commission's Local Workforce Development Board. Carlos is also the owner of IPAAC Construction, LLC, which focuses on residential and commercial real estate development. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and charitable organizations, through a network of over 400 independent advisors. The firm offers a range of portfolio management solutions and operates with a fiduciary standard under written advisory agreements.

Gilberto Bermea III is a CFP® professional with seven years of experience in the financial services industry, currently affiliated with Commonwealth Financial Network and Tejas Financial Advisors. His prior experience includes a four-year role at Texas A&M University. He serves as a Professional Selling Board member with Texas A&M Mays Business School. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs, including custom portfolio solutions and third-party asset manager access. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to its affiliated advisors.

Luis Mendoza III is a financial advisor with Commonwealth Financial Network based in Laredo, TX. He holds a Series 66 designation and has four years of industry experience. His prior roles include positions at Rio Dex LLC and International Bank of Commerce. Mendoza also serves as a presenter with ComPsych, teaching financial awareness. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Lizet Karina Serna is a financial advisor with PNC Wealth Management in Laredo, TX, holding Series 63 and Series 66 registrations and bringing 12 years of industry experience. Her prior roles include positions at BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, and COMPASS Bank, spanning from 2006 through 2021. PNC Wealth Management provides retail brokerage and advisory services, including a model-based digital investment program offered as an invitation-only pilot for employees. The firm uses algorithm-driven risk assessments to recommend model portfolios implemented through mutual funds and ETFs, with portfolio management and proxy voting delegated to third parties.

Arnulfo Gonzalez Jr. is a financial advisor with PNC Wealth Management in Laredo, TX, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Prior to joining PNC in 2021, he worked at various BBVA entities including BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, and Compass Bank from 2016 to 2021. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot aimed at PNC employees. The firm’s approach involves algorithm-driven risk band recommendations and utilizes mutual funds and ETFs with annual rebalancing, while delegating portfolio execution and proxy voting to third-party providers.

Mirna Saldivar is a financial advisor with PNC Wealth Management in Laredo, TX, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked with multiple BBVA entities from 2012 to 2021 before joining PNC Investments LLC in 2021. Outside of her advisory role, she owns and operates House of Fashion LLC, a boutique specializing in women's clothing and accessories. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic risk assessment and approved mutual fund and ETF strategies.

Ruben Lopez Jr. is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. He has worked at Commonwealth since 2016 and previously spent five years with Wells Fargo Advisors LLC. Outside of his advisory role, he owns and operates Lopez Cattle, a cattle business based in Laredo, TX. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing a range of advisory programs, technology, and operational support. The firm offers various investment management solutions, including discretionary model portfolios and personalized indexing, serving both retail and institutional clients.

Oscar Lopez is a CFP® with 41 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2016. Prior to that, he worked at Wells Fargo Advisors LLC for seven years. He is based in Laredo, TX. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operational and compliance support to its affiliated advisors.

Fernando Montemayor Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in IBC Investment Services and works with IBC Insurance Agency in connection with non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by research and model portfolios from multiple sources.

Andres Rivas Chavez is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2012. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

Miguel Chavez is a financial advisor with Primerica Advisors based in Laredo, TX, holding Series 63 and Series 65 credentials and with 11 years of industry experience. He is also the president of Miguel A. Chavez, PC, providing tax preparation, accounting, and business consulting services. Chavez has management roles in several businesses, including long-distance trucking and equipment rental ventures. 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 clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Matias De Llano III is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 28 years of industry experience. He previously worked at METLIFE Securities Inc for 17 years before joining Mass Mutual and its subsidiary, Massachusetts Mutual Life Insurance Company. Outside of his advisory role, De Llano is involved in mineral leasing and royalty management for oil and gas exploration, as well as managing several real estate and investment entities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs using firm-approved analytical tools, focusing on collaborative annual planning engagements without discretionary investment authority.

Ricardo Hernandez is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously worked at Navistar and RJ's Detail Car Wash. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and has a large network of advisors and branch offices nationwide.

Elena Solano is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has been with Primerica Advisors since 2015 and has prior experience at Expeditors. Outside of advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Dylan Rivas Martinez is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at PFS Investments Inc. and involvement in several small business ventures. Outside of financial advising, he works as a high school soccer referee. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with thousands of advisors and approximately $15.5 billion in assets under management.

Luis Gonzalez III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 24 years of industry experience. He holds the Series 66 designation and has worked with several firms, including Texas Community Bank for 18 years. He is also the managing member of LG Investments LLC, a family investment entity. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, institutional, and high-net-worth clients. The firm provides tailored, non-discretionary planning supported by analytical tools and maintains specialized programs including municipal advisory and SIMPLE IRA Employer Advisory services.

Ruben Munoz Jr. is a financial advisor with J.P. Morgan Securities in Laredo, TX, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he is involved in design and construction businesses, including ownership of Adriana Maria Design Studio LLC and Elemental Design & Construction LLC. 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Harry Beltran is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 16 years and has been involved with Omega Financial Concepts since 2004, where he also serves as an insurance agent offering various health and annuity products. Beltran is an owner of office suite rentals in Laredo, TX. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools, third-party money managers, and automated rebalancing to construct portfolios across multiple asset classes.

Benjamin Hinojosa is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at Charles Schwab, Bank of America/Merrill, Edward Jones, and PNC. J.P. Morgan Securities LLC 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 in its investment approach.

Susano Castillo Jr. is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Securities Corporation for 16 years. Castillo also operates an insurance agency offering health and traditional life insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations through a large network of advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third‑party platforms to manage portfolios that include a range of investment options.

Carlos Chapa is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and 15 years of industry experience. His prior roles include positions at Texas Community Bank, Osaic Institutions, Inc., and Bank of America, among others. He also serves as Vice President at TCB Investments in Laredo, TX. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning using risk profiling and analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ismael Reyes Retana is a financial advisor with LPL Financial in Laredo, TX, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with IBC Investment Services and spends a small portion of time on non-variable insurance business through the IBC Insurance Agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, through a large network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing strategic and tactical investment approaches supported by extensive research and technology.

Gerardo Castellanos is a financial advisor with Primerica Advisors in Laredo, TX, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2011. Outside of advisory work, he is involved in the sales of loan products and home-related services for affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Ricardo Santos is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked at Quick Insurance and taught at the University of Texas at San Antonio. Ricardo also had a brief involvement with Tortillas Santos. Equitable Advisors serves a broad range of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing program sponsors and third-party managers to deliver advisory and brokerage solutions.

Joseph Rothstein is a financial advisor at International Asset Management, Inc. in Laredo, TX, with 31 years of industry experience. He has been with the firm since 1994. International Asset Management, Inc. provides investment advisory and portfolio management services primarily to individual clients. The firm manages approximately $17 million in assets across 15 clients, focusing on a limited number of relationships and employing ongoing portfolio oversight and periodic client reviews.