Kaitlyn Pugh

Fair Oaks Financial LLC was founded in 2020 and began operations in 2021 amid the COVID-19 Virus era. Many changes were taking place and people were reevaluating their lives in the face of the pandemic. Suddenly life took on different priorities and meaning and one did not know if they would be affected and to what extent. This brought to attention many overlooked items, that people were waiting to get around to, and brought them to the forefront. Questions like "if something were to happen to me, am I prepared?" My goal is to help you prepare for an uncertain future. There are many things that can be done to reduce anxiety in these stressful times. As a Fiduciary Advisor, I will be working with you to develop a plan that is customized to address your needs and desires. Being a Fiduciary means acting in your best interest. I enjoy helping people make sense of a complex set of choices, objectively weighing the pros and cons, and making informed decisions consistent with their long-term goals. I have been working in the investment business for more than 25 years. I have seen complexity keep people from making the decisions needed to accomplish their goals. I enjoy helping explain things in a way that makes sense. Warren Buffet says "investing is simple, it's just not easy." Having a guide on your journey to help make decisions that will impact your future is not only important but essential. We all need objective advice, void of conflicts, to help us make wise decisions.

I build Personalized Financial Plans for every client to address important “Real Life” financial issues including Financial & Retirement Planning, Investments, Income Tax Planning, Executive Benefits & Compensation Planning, Insurance & Risk Management Planning, Social Security & Pension Planning, Multi-Generational Trusts, and Estate Planning. In addition, I have specialized expertise with Executive Benefits & Compensation Planning for Restricted Stock (RS), Restricted Stock Units (RSUs), Performance Shares (PS), Non-Qualified Stock Options (NQSO), Incentive Stock Options (ISO), Employee Stock Purchase Plans (ESPP), Non-Qualified Deferred Compensation Plans (NQDC), Net Unrealized Appreciation (NUA), 457(b) "Double-Limit Catch Up" Provisions, and 457(f) Non-Qualified Deferred Compensation Plans. Why work with a Fee-Only CERTIFIED FINANCIAL PLANNER® professional? Anyone can call themselves a Financial Advisor, but not everyone is held to the Fiduciary Standard of Care. Independent, Fee-Only, Financial Planners combine advanced training, fiduciary ethics, and complete transparency to help you make confident financial decisions during every stage of life. What does “Fee-Only” really mean? A Fee-Only Financial Planner is only compensated by clients. They do not receive any commissions, incentives, or compensation for selling financial products. No sales pressure. No hidden fees. No product bias. You simply pay for objective financial expertise and guidance. How does a Fee-Only Financial Planner plan for every stage of your life? A Fee-Only Financial Planner creates a clear, coordinated, and personalized Financial Plan which covers all aspects of your financial life. Your plan may include monthly cash flow & spending plan, retirement income & retirement distribution strategies, investment management and guidance, tax efficiency and Multi-Year tax planning strategies, insurance & risk management, liquidity planning, education planning, and family legacy goals. Professional Credentials: Master of Science (M.S.) Degree in Personal Financial Planning CERTIFIED FINANCIAL PLANNER® Professional Chartered Retirement Planning Counselor (CRPC®)

Spencer Williams is a financial advisor at Merrill Lynch Wealth Management. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Spencer's approach focuses on helping clients identify what matters most to them and their families in order to develop strategies aimed at pursuing their financial goals. He holds a Bachelor's Degree from Harvard University.

Thomas Immenschuh is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he serves as a senior partner of KI & Associates. He works with business owners, professionals, and their families, delivering personalized wealth management strategies that encompass growth, accumulation, investment management, asset preservation, and efficient wealth transfer. Thomas utilizes the resources available through Bank of America and Merrill Lynch Wealth Management platforms to develop financial strategies tailored to clients’ needs. With expertise in areas such as retirement planning, executive compensation, concentrated stock and options management, corporate cash and treasury services, and trust and estate planning, Thomas focuses on helping clients achieve financial well-being. He holds a Bachelor of Business Administration in Finance with a minor in Accounting from the University of Texas at San Antonio. Thomas served in the US Air Force from 1982 to 1986 and continued his service in the Air Force Reserve through 1995, including activation during Desert Shield and Desert Storm. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Thomas is actively involved in the San Antonio community, having served on the boards of Any Baby Can, The ARC of San Antonio, and the Texas Planning Council Partners in Policy Making, and volunteering with Catholic Charities and the Central Catholic School Golf Team. He is a lifetime member of the UTSA Alumni Association and past president of Team Golf San Antonio. Thomas resides in Castle Hills with his wife Charlotte Gallagher Immenschuh and their three sons.

Erica Licon is a Planning Consultant at Fidelity Investments, a role she has held since 2023. Prior to this position, she served as a Relationship Manager and Financial Representative at Fidelity Investments, gaining experience from 2022 to 2023 and in 2022 respectively. Before joining Fidelity, Erica worked as a Financial Advisor at Thrivent Financial from 2020 to 2022 and as an Office Assistant at a Thrivent Financial office from 2019 to 2020. Erica focuses on building long-term relationships with her clients and their families by recognizing their individual circumstances and needs. She utilizes the resources available at Fidelity to assist clients in pursuing their financial goals. Outside of her professional work, Erica has interests in art, family activities, golf, movies, and traveling.