Natalie Kassenyeva is the principal of Natalie M. Kassenyeva, an investment management firm based in Houston, TX. She holds the CFA® designation along with Series 63 and 65 licenses and has 20 years of industry experience, including roles at BW Energy, McDermott International, and BP NAGP. In addition to her advisory work, she teaches preparatory classes for the Chartered Financial Analyst exam at Rice University. Her firm provides investment consulting and financial planning services focused on mutual funds, pooled accounts, and third-party managers, serving individual retirement, trust, and estate accounts. The practice emphasizes manager selection and due diligence, with non-discretionary advice and quarterly account reviews.

After nearly a decade in corporate finance in the energy industry, living through its highs and lows. I saw unique pay structures, pension choices, equity awards, and retirement packages make planning decisions far more intricate than most people realize. Five years ago, I set out to become an expert in retirement planning. I apprenticed with seasoned advisors, earned the CERTIFIED FINANCIAL PLANNER® certification, and added advanced credentials in retirement and tax planning to master the strategies that matter most. At Refined Wealth, every process, service, and conversation is built around helping professionals step into retirement with clarity, confidence, and a plan as specialized as their careers.

William Zickler is a financial advisor with Coastal Wealth Management, LP in Houston, TX. He holds a Series 65 designation and has 22 years of industry experience, all with Coastal Wealth Management since 2004. Coastal Wealth Management, LP is an independent registered investment adviser providing discretionary portfolio management to individuals, trusts, pension and profit-sharing plans, charitable organizations, and private investment funds. The firm emphasizes capital preservation through personalized investment supervision tailored to each client’s risk tolerance, tax situation, and time horizon, with portfolio decisions informed by estate, tax, real estate, and insurance considerations.

Kurt Ours is a financial advisor at Virescent Financial LLC in Houston, TX, holding a Series 65 credential with over a decade of experience, including 11 years at Occidental Petroleum Corporation. He has been with Virescent Financial since 2025. Virescent Financial LLC provides investment management and financial planning services primarily to individual and high-net-worth clients, focusing on retirement, tax, estate, cash flow, and business planning. The firm uses a discretionary, asset allocation approach based on Modern Portfolio Theory and prefers passive investment vehicles such as index mutual funds and ETFs.

Andrew Nunnally is a financial advisor at Alpha-Tech Investments, LLC in Houston, TX, with five years of industry experience. He holds a Series 65 designation and has worked in roles at Arena Energy, Prescryptive Health, Marathon Oil, and DNC Technology. Outside of advising, he has worked as a sales analyst for Prescryptive Health, a digital health company focused on prescription intelligence platforms. Alpha-Tech Investments is a single-advisor independent firm providing discretionary asset management and portfolio supervision for individuals, corporations, and other entities. The firm employs a research-driven process combining fundamental analysis, technical methods, and modern portfolio theory, managing a diverse range of assets typically on a discretionary basis.

Debra Hartsfield is the sole advisor at DPH Financial, an independent firm based in Pearland, TX. She holds the ChFC® designation and has 21 years of industry experience, having founded DPH Financial LLC in 1998. In addition to her advisory role, she is licensed to sell life and health insurance in Texas. DPH Financial serves individuals, professionals, small business owners, and charitable organizations, focusing on clients with beginning incomes around $65,000 (single) or $130,000 (couple) and those aged 35–72. The firm provides comprehensive financial planning, investment advisory services, and financial education, emphasizing a primarily passive investment approach with low-cost, goal-oriented strategies and discretionary portfolio management.

David Bass is a financial advisor at Decision Tree Advisor in Houston, TX, holding the ChFC® and Series 66 designations with 11 years of industry experience. He worked at Invesco for 20 years before joining Edward Jones briefly in 2021 and then founding Decision Tree Advisor in 2022. Decision Tree Advisor provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, and corporations. The firm focuses on asset allocation and modern portfolio theory, primarily using passive index funds while incorporating active management and ESG criteria when requested.

Stephanie Scherr is a CFP®-certified financial advisor with 39 years of industry experience. She is the principal of SM Scherr Financial LLC, an independent firm she has led since 2020, following a 21-year tenure at ProEquities, Inc. Outside of her advisory work, she serves as a trustee for family-related trusts and provides estate and financial planning services. SM Scherr Financial LLC offers comprehensive financial planning and investment management to individuals, high-net-worth clients, business owners, and select corporate and charitable organizations. The firm employs third-party money managers and asset allocation strategies, providing both discretionary and non-discretionary account management alongside written financial plans covering retirement, estate, tax, risk management, and business succession.

Jonathan Kolmetz is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Oaks Wealth Management in Houston, TX. His prior roles include positions at LPL Financial LLC and Strategic Financial Concepts, LLC. Outside of his advisory work, he is a financial therapist and counselor with Alaphia Financial Wellness and Oaks Counseling Associates, respectively. Oaks Wealth Management provides tailored investment management and comprehensive financial planning to individual and high-net-worth clients, as well as charitable organizations. The firm employs a primarily passive investment approach using diversified portfolios of index mutual funds and ETFs, supported by individualized plans and regular reviews.

Orie Helaire is a financial advisor at Epiphany Wealth Management in Houston, TX, with 11 years of industry experience. He holds the ChFC®, PFS™, and Series 65 designations. In addition to his advisory role, he is an accountant and occasionally offers accounting-related advice and services to clients. Epiphany Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm emphasizes tailored portfolio management based on documented investment policies, combining fundamental and quantitative analysis with active monitoring.

John Harris is the president and sole advisor of Fundamental Advisors, Inc. in Houston, TX, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has led Fundamental Advisors since 2002. Fundamental Advisors, Inc. is a state-registered independent investment adviser serving individuals, high-net-worth clients, and institutional plan sponsors. The firm focuses on portfolio management, financial planning, and pension consulting, emphasizing written investment policies, asset allocation, and client education, particularly in pension plan services.

Shelley Hawkins is a CFP® with 26 years of industry experience and has been the sole advisor at Four Seasons Investment Management, Inc. since 1998. She also serves as vice president of Equitable Solutions, Inc., a firm providing hourly divorce planning services. Four Seasons Investment Management offers discretionary investment management through an all-inclusive wrap fee program, managing approximately $26.7 million for about 36 clients as of December 2025. The firm employs an actively managed, diversified approach across multiple asset classes and conducts quarterly reviews to adjust portfolios within client-defined objectives and risk profiles.

Julius Mathias Jr. is the sole advisor at Simba Investment Advisors in Houston, TX, holding a Series 65 license with 12 years of industry experience. He has operated Simba Investment Advisors since 2013 and has worked at Met Life and USA Asset Group since 2009 and 2007, respectively. Simba Investment Advisors provides portfolio management to institutional investors, high-net-worth individuals, small businesses, foundations, and pension plans, offering customized, buy-and-hold investment strategies based on fundamental and technical analysis. The firm also offers pension consulting and basic financial planning, delivering services on a non-discretionary basis with annual account reviews and tax-related reporting.

John Capistran is the principal advisor at Caplo Advisory LLC in Houston, TX, holding Series 63 and Series 65 licenses with 17 years of industry experience. He previously worked at AIG Retirement Advisors for 13 years before founding his independent firm in 2020. Caplo Advisory LLC provides asset management and financial planning services to individuals, corporations, and other entities. The firm utilizes both fundamental and technical analysis with tailored investment strategies, offering discretionary management and a broad range of planning and consulting services, including corporate portfolio management and business financial planning.

Heriberto Chinea is a financial advisor at Eightone Capital LLC with four years of industry experience. He holds a Series 65 designation and serves as CEO of iACT Holdings LLC, a real estate investment company. His prior experience includes roles at Parsons Corporation, FS Group Architects, and public schools in Pearland, TX. Eightone Capital LLC provides investment management and comprehensive financial planning to individuals, families, pension and profit-sharing plans, corporations, and charitable organizations. The firm primarily uses a passive, asset-class-driven investment approach with ETFs and index funds, and offers retirement plan consulting and educational seminars.

Thomas Badgett is a financial advisor at Gulf Coast RIA with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Gulf Coast RIA since 2022. Prior to this, he spent ten years at MoneyBlock and has served as president of Bay Area Asset Management for over two decades. Outside of finance, he is involved in non-investment related sales activities with Gulf Coast Truck & Equipment and Bay Area Firearms, Inc. Gulf Coast RIA is a state-registered investment adviser providing portfolio management to individual investors, high-net-worth clients, and various institutions. The firm employs an asset-allocation driven approach that integrates fundamental and technical analysis with systematic tools and actively managed strategies.

Marvin Norman is a financial advisor with Othniel Financial Advisory Services, LLC in Houston, TX, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with firms under the Othniel name since 2013 and is also a licensed insurance agent who provides business consulting services. Othniel Financial Advisory Services, LLC offers portfolio management, pension consulting, third-party adviser selection, and financial planning to institutional and private clients. The firm uses customized Investment Policy Statements and a variety of analytical methods to tailor portfolios across a broad range of investment instruments and may refer client assets to third-party managers.

Daniel Kibert is the sole advisor at TK^2 Advisers in Houston, TX, holding Series 63, 65, and 66 licenses with 11 years of industry experience. He has been with TK^2 Advisers since 2013. In addition to his advisory role, he sells life insurance products and receives commissions based on premium amounts. TK^2 Advisers provides portfolio management, pension consulting, and comprehensive financial planning services to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm emphasizes tailored investment strategies based on fundamental, cyclical, and quantitative analysis, with regular account reviews and customized client plans.

Sandhya Gopal is a financial advisor at SpendItRight LLC in Houston, TX, holding a Series 65 designation with experience beginning in 2024. Her prior work includes roles at Integrated Financial Concepts and Schlumberger. Outside of advisory work, she manages two operating companies for rental properties. SpendItRight LLC provides fee-only financial advisory and investment management services primarily to individuals and families, focusing on women during major financial transitions. The firm employs scenario modeling and a combination of fundamental, technical, and portfolio construction techniques to tailor recommendations, offering services on an hourly or project basis with specialized financial analyses related to divorce and real estate.

Angela Johnson is a CFP® with 20 years of industry experience, currently serving as the sole advisor at Worthen Financial Advisors, Inc. She previously worked for Farmers Financial Solutions and Farmers Insurance Group from 2005 to 2021. Outside of her advisory role, Johnson is president of several closely held businesses, including a commercial real estate enterprise and management companies affiliated with insurance agencies. Worthen Financial Advisors provides investment management, subscription-based financial planning, and retirement-plan advisory services for individuals, high-net-worth clients, trusts, small businesses, and qualified retirement plans. The firm employs a long-term, evidence-based approach using diversified portfolios primarily composed of mutual funds, ETFs, and fixed-income allocations, and offers a distinctive advisor-access digital membership for ongoing planning support.