Michael Bell

I’m Zach Thomas, founder and steward of Growth Horizons Wealth Management, based in Georgetown, TX. As a fee‑only, fiduciary advisor, our team empowers small business owners, high-net-worth individuals, and retirees to build purposeful lives through thoughtful, technology-forward wealth planning—because financial success should fuel what matters, not distract from it. My journey began after witnessing my grandfather’s financial struggles following his business exit. That experience—combined with the values of my parents (a teacher and postal worker)—shaped my mission to prevent others from suffering the same. I launched my career at Wells Fargo, built a wealth-management department at Cadence Bank, and refined my approach at Heritage Family Offices before launching my practice in July 2023. Outside of work, I’m a devoted husband, proud father to Roman, CrossFit enthusiast, triathlon finisher, aspiring author, lifelong student of the humanities, and active Christian. I believe wealth is about time, freedom, and legacy—not just dollars.

Adam Ulatoski is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has guided clients through managed investment strategies, retirement planning, risk mitigation, insurance considerations, and wealth transfer strategies. Adam emphasizes a goals-based and adaptable approach, tailoring financial plans to clients’ unique circumstances and evolving priorities. He holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Adam earned his bachelor's degree from the University of Texas System. His expertise encompasses education planning, family wealth management, legacy and philanthropic planning, tax minimization, and retirement income. Adam’s community involvement includes volunteering with the NFL Alumni, serving as a board member for the Neighborhood Longhorns Program, and supporting the Ronald McDonald House of Central Texas. He is affiliated with Northpoint Community Church. Adam lives with his wife, Emily, and their two sons, Evan and Daniel. In his free time, he enjoys basketball, camping, cooking, fishing, football, music, reading, traveling, and spending time with his family.

Kathryn Stull is a Planning Consultant at Fidelity Investments. She is focused on building strong client relationships by combining her interest in financial planning with a commitment to understanding client needs. In her role, she collaborates with clients to develop financial plans aimed at providing confidence in their financial futures. Kathryn joined Fidelity Investments in 2021 and has held several positions within the company, including Financial Representative from 2021 to 2022 and Relationship Manager from 2022 to 2024 before becoming a Planning Consultant in 2024.

Mylene Barcelona is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of Relyea, Barcelona & Associates. She has been in the financial services industry since 1999, bringing extensive experience to her role. Mylene works closely with clients to conduct research and develop tailored investment portfolios. Her expertise includes providing comprehensive wealth management advice, supported by her professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). Mylene holds a Bachelor's Degree from the University of Florida. Through a collaborative team approach, she offers clients a wide range of resources and perspectives aimed at helping them achieve their financial goals.