Vania Magallanes is a financial advisor at KWS Advisory Group, LLC with a Series 65 designation and four years of industry experience. She has been with KWS Financial Group since 2020 and also works with the Laredo Independent School District. KWS Advisory Group provides discretionary asset management and financial planning services to individuals, trusts, estates, and business entities. The firm manages approximately $18.33 million in assets across 224 clients and employs a mix of fundamental, technical, charting, and cyclical analysis in its portfolio construction.

James Moore is a financial advisor at Entrust Investment Services, Inc with 14 years of industry experience. He holds a Series 66 designation and has previously worked at ISC Advisors, Inc. and Institutional Securities Corp. Moore also operates J&P Moore Financial Group. Entrust Investment Services provides discretionary investment management and financial planning to a diverse client base, including other registered investment advisers, high-net-worth individuals, households, and businesses. The firm employs a Modern Portfolio Theory framework and offers ERISA plan services, sub-advisory arrangements, and public educational seminars.

Cesar Martinez is a financial advisor at Cresta Advisors with Series 65 and Series 63 credentials. He joined the firm in 2026 and has prior experience at Fueling Systems International, LLC, as well as a background in higher education at Texas A&M International University. Cresta Advisors serves individuals, high-net-worth clients, trusts, estates, corporations, endowments, non-profits, and plan sponsors, providing portfolio management, financial consulting, and retirement-plan advisory services. The firm combines fundamental and technical analysis with Modern Portfolio Theory in its investment approach and manages approximately $786 million in assets, primarily on a discretionary basis.

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 financial advisor with Cresta Advisors in Laredo, TX, holding a Series 66 designation and 21 years of industry experience. He has previously worked at Merrill and Fortitude Advisory Group L.L.C. Garza also serves as an instructor at Texas A&M International University’s A.R. Sanchez, Jr. School of Business. 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 discretionary and non-discretionary fiduciary services, operates a wrap-fee program, and maintains an affiliated insurance sales capability, serving a client base that includes institutional and cross-border clients.

Mark Deutsch is a financial advisor with Cresta Advisors in Laredo, Texas, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has previously worked at Merrill and Fortitude Advisory Group L.L.C. Deutsch is also involved as a managing member and partner in several related business ventures. Cresta Advisors serves a diverse client base including individuals, high-net-worth clients, trusts, estates, corporations, endowments, non-profits, and plan sponsors. The firm provides both non-discretionary and discretionary fiduciary services, combining fundamental and technical analysis with Modern Portfolio Theory to manage approximately $786 million in assets across various account types.

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 nine years of industry experience. He currently works at Kovack Advisors, Inc. and previously spent nine years at Cresta Advisors LLC. He also has two years of experience at the University of Incarnate Word. Kovack Advisors, Inc. is a multi-team registered investment adviser with about 260 advisors and over $6 billion in client assets, serving individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients. The firm uses a risk-tolerance questionnaire and a Statement of Investment Selection to guide portfolio construction, employing both internally created models and third-party managers.

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. Outside of advisory services, he is involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm offers a comprehensive adviser-support platform with a variety of managed-account programs, third-party asset manager access, and custody services.

Alexandra Melo Saldana is a financial advisor with Empower Advisory Group in Laredo, TX, holding a Series 66 designation and one year of industry experience. She previously worked at Faro Wealth for two years and spent five years with United Independent School District before entering the financial services field. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and annual rebalancing.

Carlos De La Garza is a financial advisor at Sanctuary Advisors, LLC with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. De La Garza serves as a board member of the Laredo Rotary Charitable Foundation and is involved with the Texas Workforce Commission’s Local Workforce Development Board. He is also the owner of IPAAC Construction, LLC, a real estate business focused on buying, selling, and construction projects. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and charitable organizations. The firm offers a range of portfolio management options and utilizes various analytical approaches, delivering advice through a large network of independent investment adviser representatives.

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 Series 66-licensed financial advisor with 15 years of industry experience, currently with Commonwealth Financial Network since 2016. Prior to that, he worked for Wells Fargo Clearing for five years. Outside of his advisory role, he owns and operates a cattle business in Laredo, Texas. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm provides a broad range of managed-account programs, third-party asset manager access, retirement consulting, and custody services, supporting both discretionary and nondiscretionary portfolio implementation.

Oscar Lopez is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2016. His prior work includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is based in Laredo, TX. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a range of managed-account programs, third-party asset manager access, and custody services, enabling advisors to tailor investment solutions including model portfolios and outsourced strategies.

Fernando Montemayor Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at LPL Financial since 2008, following prior roles at IFMG Securities and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment and planning solutions including model portfolios, third-party asset management, and institutional platforms.

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 in Laredo, TX, holding Series 65 and Series 63 licenses and with 11 years of industry experience. He serves as President of Miguel A. Chavez, PC, providing tax preparation, accounting, and business consulting services. Outside of financial advising, he is involved in managing multiple business ventures including transportation and equipment rental companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors along with corporate and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports its advisory services through a large network of advisors and offices.

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 65 and Series 63 licenses and two years of industry experience. He has worked at PFS Investments Inc. since 2024 and has held various roles including part-time work as a high school soccer referee. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven strategies created by unaffiliated asset managers.

Luis Gonzalez III is a financial advisor with Raymond James Financial, holding a Series 66 designation and 25 years of industry experience. His prior work includes roles at Osaic Institutions, Infinex Investments, Investment Professionals, and Texas Community Bank. He is the managing member of a family investment entity, LG Investments LLC, which manages personal and family assets. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance through its affiliation with a municipal advisor.

Ruben Munoz Jr. is a financial advisor with J.P. Morgan Securities in Laredo, TX, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with J.P. Morgan Securities since 2014 and also holds ownership roles in Adriana Maria Design Studio LLC, which specializes in architecture and interior design, and Elemental Design & Construction LLC, focused on constructing single-family homes. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, customized asset allocation advice supported by centralized due diligence and incorporating both quantitative and qualitative research.

Harry Beltran is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Financial Securities Corporation and Woodbury Financial Services. Additionally, he is involved with Omega Financial Concepts, an insurance and investment agency he has operated since 1995. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach with various portfolio management options and supports clients ranging from individuals to retirement plan sponsors and corporate entities.

Benjamin Hinojosa is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Charles Schwab, Bank of America/Merrill, Edward Jones, and PNC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

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 at Lincoln Financial Securities Corporation for 16 years and Woodbury Financial Services, Inc. for seven years. He is also the owner and agent of an insurance business offering health and traditional life insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services with an investment process focused on model-based asset allocation and portfolio optimization.

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, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with LPL Financial since 2008 and previously held positions at IFMG Securities and UBS Financial Services. Reyes Retana is also involved in insurance services through an affiliated agency that processes non-variable insurance business. 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 financial planning and asset management solutions, employing both proprietary research and third-party strategies across varying investment approaches.

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 with Equitable Advisors holding a Series 66 designation and one year of industry experience. His work history includes roles at Quick Insurance and the University of Texas at San Antonio. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm delivers services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs for portfolio management.

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.