Curtis Jones

Penny Di Giovanna is a CERTIFIED FINANCIAL PLANNER™ professional with nine years of industry experience. She is the principal of Financial Planning by Design, an independent, fee-only registered investment adviser. Prior to founding her firm, she held roles at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James & Associates. She also owns Wise Penny Consulting LLC, which provides non-investment consulting services related to family governance, financial education, and family transitions including divorce. Financial Planning by Design serves individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm uses a combination of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate planning.

Desiree Kaul is the founder of Kaul Financial Solutions and holds the CFP® and ChFC® designations. She has two years of industry experience, with prior roles at Plancorp, LLC and MainStreet Financial Planning, Inc. Kaul also serves as a course facilitator at The American College of Financial Services and as an instructor for the CERTIFIED FINANCIAL PLANNER® certification program through Dalton Education, LLC. Kaul Financial Solutions provides project-based financial planning and tax preparation services to individuals, sole proprietors, and small businesses. The firm generally favors passive investment strategies based on Modern Portfolio Theory, offering recommendations implemented at the client’s direction without ongoing portfolio management.

Rita Medaglio Barrera is the sole advisor at BMR Global Wealth Management Group, Inc., an independent firm based in Melbourne, FL. She holds Series 63 and Series 65 licenses and has seven years of industry experience. In addition to her advisory role, she is an independent insurance agent specializing in Medicare supplement and Medicare Advantage plans for seniors. BMR Global Wealth Management Group, Inc. provides portfolio management and comprehensive financial planning services, including a specialized divorce financial-planning practice. The firm serves individuals, trusts, estates, charitable organizations, and business entities, managing approximately $1.05 million in discretionary assets with a focus on globally diversified, passively structured portfolios.

Luke McCarty is a CFP® and Series 66 licensed financial advisor with 11 years of industry experience. He is the principal of McCarty Wealth, LLC, an independent firm he founded in 2024. Prior to this, he held roles at McPherson Financial Group/World Equity Group/Prostatis Fin, Umb, and Financial Solutions of Raymond James. He is also a licensed insurance agent and owner of McCarty Wealth Insurance Services LLC. McCarty Wealth provides portfolio management and financial planning services to individuals and high-net-worth clients, utilizing a range of investment strategies including discretionary and non-discretionary management. The firm integrates insurance offerings alongside its investment services and maintains custody at Schwab Institutional.

Warren Burger is a financial advisor at Luminary Financial Advisors, LLC with six years of industry experience. He holds a Series 65 designation and worked at TPICAP for nine years before joining Luminary Financial Advisors in 2019. Luminary Financial Advisors provides investment management and financial planning services to individual clients, focusing on low-cost, tax-efficient portfolios primarily constructed with index mutual funds and ETFs. The firm offers project-based and subscription planning across various financial needs and uses a net-worth based annual fee model rather than percentage-of-AUM fees.

Adam Rall is a CFP® professional with four years of industry experience, currently serving as an advisor at Rall Capital Management, Inc. in Rockledge, FL. He has been with the firm since 2013. Rall Capital Management provides wealth management and comprehensive financial planning services to individual clients, including high-net-worth households. The firm employs an investment approach based on Modern Portfolio Theory, focusing on diversified, tax-conscious portfolios managed primarily on a long-term, discretionary basis.