Do you plan to make work optional before age 65? I will use my tools and expertise to educate and empower you to be your own retirement hero, rather than try to convince you that you need to pay me or any other advisor year after year. While I provide investment advice, I do not offer ongoing portfolio management as a service and my only objective is to give you the best advice possible. My planning engagements typically consist of three to four meetings and span one to three months. We will work together to create a detailed plan for early retirement that doesn't ignore what you need to feel fulfilled in the present. You will be given free ongoing access to my planning software upon completion of our engagement and I will teach you how to navigate it. Visit my website today to learn more and don't forget when you are there to sign up to receive my free guide, The Top 10 Critical Mistakes People Make When They Plan To Retire Early.

Mario Payne is a CFP® professional with 18 years of industry experience, currently serving as the sole advisor at Toams Financial. Prior to founding Toams Financial in 2019, he worked for Raymond James Financial Services from 2013 to 2019. Outside of advisory services, Mr. Payne is an Independent Insurance Agent and holds minority ownership stakes in several technology and real estate platforms, including Let Bob LLC, a software app focused on investment strategies and trading automation. He is also the author of the book *The Relax Estate - The Relax Investor*. Toams Financial provides discretionary investment management and financial planning to individual and high-net-worth clients, using a mix of fundamental, technical, cyclical, behavioral, and charting analysis in a primarily long-term investment approach. The firm integrates AI-driven products such as the Let Bob AI Powered Momentum ETF (LETB) into client portfolios and manages a notably high client load for a single-advisor practice.

Nicholas Whitcraft is the sole advisor at NRW Asset Management, Inc., an independent registered investment adviser based in Jacksonville, FL. He holds a Series 65 designation and has 22 years of industry experience, including 19 years with his current firm. NRW Asset Management provides discretionary portfolio management to individual clients, focusing on diversified accounts primarily using exchange-traded funds and mutual funds, with occasional stocks and bonds. The firm employs strategic asset allocation based on Modern Portfolio Theory and a combination of fundamental, technical, and cyclical analysis to guide investment decisions, maintaining a small client roster for a more individualized advisory relationship.

Michael Macke is a CFP® professional with 22 years of experience in financial advising. He has worked at multiple firms, including Petros Advisory Services, Payne Capital Management, and Woman's Worth, before joining Eleuthera FP, LLC, where he has been since 2021. The firm provides investment management and financial planning services to individual clients, including high-net-worth households, and incorporates a mix of passive and active investment strategies guided by Modern Portfolio Theory. Eleuthera FP, LLC manages accounts on both a discretionary and non-discretionary basis and offers integrated services such as third-party manager selection and tax preparation.

Joshua Krafchick is a financial advisor at 369 Financial LLC with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including Standfast Asset Management, Cambridge Investment Research Advisors, Bank of America, and Merrill Lynch. Outside of advising, he is an author and public speaker. 369 Financial provides investment advisory and planning services to individual, high-net-worth, business, pension plan, and institutional clients. The firm offers discretionary portfolio management, wealth management, financial planning, and pension consulting, with a focus on client-specific investment policies and a range of investment strategies including ETFs, mutual funds, equities, fixed income, and limited cryptocurrency exposure.

Anthony Kurnellas is a financial advisor with OmniTrust Wealth Management, Inc. in Jacksonville, FL, holding a Series 65 designation and 21 years of industry experience. He has worked at OmniTrust Wealth Management since 2018 and previously held roles at Global Financial Private Capital, LLC and GF Investment Services, LLC. Kurnellas is also a licensed insurance agent and occasionally offers insurance products to clients. OmniTrust Wealth Management is an independent registered investment adviser serving individual and high-net-worth clients with portfolio management, third-party model-portfolio implementation, and financial planning. The firm uses a combination of analytical approaches and emphasizes long-term trading aligned with client risk tolerances, managing a large client base through a single advisor.