James Caldwell

Ramesh Gulati is a CFP®-certified financial advisor with 18 years of industry experience. He has led Gulati Asset Management LLC since 1998. Outside of his advisory role, he is involved in dietary supplement development as a managing member of CBDG LLC and serves on two homeowners association boards. Gulati Asset Management provides discretionary portfolio management and consulting services to individual and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of equities, ETFs, mutual funds, and fixed income, employing both fundamental and technical analysis alongside risk assessment tools such as Monte Carlo simulation and Black Swan tests.

Luis Whu is a financial advisor at Lulla Wealth Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Lincoln Financial Securities Corporation, Bankers Life Securities, ProEquities, and Bankers Life and Casualty Company. Luis is also a licensed insurance agent offering a range of insurance products. Lulla Wealth Financial provides personalized investment advisory and wealth management services primarily to individuals and families, including high net worth clients. The firm operates on a non-discretionary basis, collaborating closely with clients to set investment objectives and approving transactions, while also offering wealth-planning and oversight of third-party investment managers.

Mark Quinn is the sole advisor at Greenfield Financial Services, LLC, an independent firm based in Vero Beach, FL. He holds Series 63 and Series 65 designations and has 41 years of industry experience. Quinn has led Greenfield Financial Services since 2012. Greenfield Financial Services provides ongoing portfolio management to individual and high-net-worth clients, overseeing approximately $2.51 million in assets. The firm operates primarily on a non-discretionary basis, preparing customized Investment Policy Statements and implementing portfolios using a range of securities while managing all client assets internally.

Russell Twiss is a financial advisor at Gallatin & Company, LLC with 14 years of industry experience. He has been with Gallatin & Company since 2006 and holds Series 63 and Series 65 licenses. Gallatin & Company, LLC is an independent, fee-only registered investment adviser serving individuals, charitable organizations, institutions, trusts, estates, and pension plans. The firm manages approximately $92.6 million in assets and employs a fundamental security analysis and long-term total-return investment approach, creating individualized portfolios rather than model portfolios.

Biran Herndon is a financial advisor at Herndon Wealth Services Inc with six years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to founding his current firm, he worked at Impact Partnership Wealth, LLC and Brookstone Wealth Advisors, among others. He is also involved with Elite Tax Advisory Services, LLC, where he provides tax preparation and insurance services. Herndon Wealth Services serves individuals, high-net-worth clients, and business entities by offering financial planning and consulting rather than discretionary asset management. The firm’s approach includes comprehensive, tailored plan creation and ongoing reviews, with a focus on areas such as business planning, retirement, estate planning, and tax efficiency.

Blake Campbell is a financial advisor with ONESOURCE Wealth Advisors in Vero Beach, FL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Worth Unlimited LLC, LifePro Asset Management, Virtue Capital Management, and Horter Investment Management. Outside of investment advisory, he is involved in debt reduction and budget counseling through an unaffiliated business, Money Mastery, which offers a debt elimination system to clients. ONESOURCE Wealth Advisors is a two-advisor firm providing discretionary portfolio management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, and businesses. The firm employs a combination of in-house management and third-party managers, conducts regular account reviews, and offers public seminars and workshops.