David Morgan

Richard Stebbins Jr. is a CFP®-credentialed financial advisor with 16 years of industry experience. He operates as the sole advisor at Richard A. Stebbins CPA CFP, an independent firm based in The Villages, FL. The firm provides discretionary investment management primarily for individuals and trusts, managing approximately $13.1 million for about 20 clients. Its investment approach includes preferred stocks, closed-end funds, index ETFs, selected individual equities, MLPs, and occasional covered-call option writing, tailored to clients’ objectives and risk tolerance. The firm maintains a fee-only model, serves a deliberately small client base, and offers separate tax-planning reviews and limited-scope hourly planning engagements without providing comprehensive financial planning services.

James Randazzo is a financial advisor with LSP Advisory LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at GWN Securities Inc. for 15 years before founding LSP Planning LLC in 2014 and LSP Advisory, LLC in 2019. In addition to advisory work, Randazzo is involved in tax consulting and preparation, life insurance and annuities sales, and Medicare planning. LSP Advisory, LLC is an independent registered investment adviser serving individuals and high-net-worth clients, managing approximately $24.8 million across nearly 100 accounts. The firm primarily uses risk-based model portfolios and third-party sub-advisers, with a focus on quantitative and qualitative evaluation of managers, and offers services in equities, fixed income, mutual funds, ETFs, structured notes, REITs, and private/alternative investments.

Michael Barber is the principal of Barber & Associates, an independent advisory firm, with over 40 years of experience in the financial industry. He holds the ChFC® and Series 63 credentials. His career includes roles at Kissling Financial Services, Wealth Management Network, and ownership of Concierge Tax Preparation, LLC, which prepares income tax returns. He also spends time with an estate documentation firm and provides training to financial advisors through Wealth Management Network. Barber & Associates offers investment advisory services primarily by recommending and referring clients to third-party managed account programs and assisting with investment objectives and oversight. The firm manages approximately $50 million in discretionary assets and does not impose account minimums. It does not directly trade client portfolios but helps clients select third-party money managers, with custody and execution handled by independent custodians.

William Losey III is a CFP® professional with six years of industry experience. He is the principal advisor at Bill Losey Retirement Solutions, LLC, an independent firm he has operated since 2005. Bill Losey Retirement Solutions, LLC provides investment supervisory services and financial planning to individuals and high-net-worth clients. The firm primarily uses the SEI Asset Management Program, focusing on mutual funds and exchange-traded funds, and operates predominantly on a non-discretionary basis, allowing clients to retain trade authority.

Philip Ferguson is the sole advisor at Polaris Financial Planning, LLC, an independent firm based in Apopka, Florida. He holds a Series 65 designation and has 25 years of industry experience, having founded Polaris Financial Planning in 2000. Outside of his advisory work, Mr. Ferguson hosts The Phil Ferguson Show, a podcast covering skepticism, atheism, investment philosophies, economics, and politics. Polaris Financial Planning provides discretionary asset management primarily for high-net-worth individual clients, employing a science-based, buy-and-hold investment approach grounded in Modern Portfolio Theory. The firm customizes portfolios using diversified index and mutual fund allocations selected through a proprietary model, with an emphasis on long-term holdings and occasional tactical adjustments.

David Souders is a CFP®-certified financial advisor with 19 years of industry experience. He is the principal of Apis Wealth, LLC, an independent firm he has led since 2019. Prior to founding Apis Wealth, he worked at Ronald Blue & Co., LLC and Ronald Blue Trust from 2003 to 2019. Apis Wealth provides financial planning, consulting, and discretionary portfolio management to individuals, trusts, estates, charitable organizations, and business entities, typically serving clients with account minimums of $500,000. The firm’s investment approach includes tailored asset allocation across equities, fixed income, and other securities, with continuous monitoring, formal annual reviews, and specialized planning for clients with concentrated equity positions and cryptocurrency exposure.