Joshua Dale Kelley Duvall

Stephen De Cesare is a CFP® professional with 26 years of industry experience. He has been the principal of De Cesare Retirement Specialists since 2008 and previously worked at Triad Advisors, LLC for 12 years. In addition to his advisory role, he is an independent insurance broker. De Cesare Retirement Specialists provides portfolio management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a combined quantitative and qualitative investment approach, including modern portfolio theory and technical analysis, and offers access to leveraged, inverse, and crypto-focused ETFs as well as third-party managers.

Phyllis Storms is a financial advisor at Arrington Financial Advisors, LLC with 17 years of industry experience. She holds the CFP®, CFA®, and Series 65 designations and has worked at Touchstone Financial Advisors since 2011. Arrington Financial Advisors provides financial planning and discretionary investment management to individuals, trusts, and estates. The firm employs a top-down investment approach combining active and passive strategies, serving a diverse client base including retail, institutional, and charitable entities.

Edward Goldstein is a Certified Financial Planner® with over 22 years of experience in the financial services industry. He has been the principal advisor at Financial Life Planning, LLC since 2008. Financial Life Planning, LLC provides comprehensive financial planning, consulting, and portfolio management services to individuals, families, small business owners, trusts, estates, and retirement plan participants. The firm uses customized, diversified portfolios primarily consisting of ETFs, mutual funds, and individual securities, supported by continuous supervision and advanced planning tools such as Monte Carlo analysis.

Francis Manella is a CFP® professional with 17 years of experience in the financial services industry. He is currently with CoAdjutant Financial Planning Services and has previously worked at OSAIC Wealth, Emoney Planning Services, American Portfolios, and MassMutual Greater Philadelphia. CoAdjutant Financial Planning Services provides outsourced, white-label financial planning and support primarily to other investment adviser representatives and business owners. The firm specializes in creating compliance-tested, comprehensive financial plans using deterministic and probabilistic projections, focusing on practice support and compliance rather than direct client asset management.

Alan Gottlob is a financial advisor at Ethos Financial Group, LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ethos Financial Group since 2024. Prior to this, he was with TFS Securities, Inc. and has maintained a longstanding role at Shingle Oak Advisors, LLC since 2001. He also serves as a board member of West Bay Holdings Ltd, where he provides strategic, capital, and actuarial governance oversight. Ethos Financial Group is a multi-team registered investment adviser managing approximately $2.14 billion and serves individuals, trusts, estates, charitable organizations, and institutional clients. The firm offers diversified, model-based portfolio management and financial planning services, utilizing a mix of mutual funds, ETFs, equities, and fixed income, supplemented by third-party research and AI tools for support.

Ronald Granberg is a CFA® charterholder with 13 years of industry experience. He has been the sole advisor at Clearwater Investment Management LLC since 2012 and also has a role at Assay Healthcare Solutions. Clearwater Investment Management provides discretionary portfolio management and investment supervisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm employs a combination of fundamental and technical analysis focused on intermediate- and longer-term market cycles, managing portfolios primarily in mutual funds, equities, ETFs, REITs, and government securities.