Karl Krehbiel

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.

Richard Greenhill is a CFP® and ChFC® with 20 years of experience in the financial industry. He is the sole advisor at Financial Analytics, LLC, an independent firm based in Melbourne, FL. Since 2010, he has also been affiliated with American Equity Investment Corporation. Outside of his advisory work, he serves as a bookkeeper for a homeowner association. Financial Analytics, LLC provides financial planning and investment supervisory services to individual clients, focusing on personalized planning and portfolio management under CFP Board practice standards. The firm manages approximately $5.8 million in assets across about 15 client relationships, employing a collaborative, non-discretionary approach to advisory services.

Milo Zonka is a CFP® professional with 20 years of industry experience, operating as the principal of Zonka & Associates, Inc., an independent advisory firm. Prior to founding the firm, he worked with the Brevard County Property Appraiser and currently holds management and ownership roles in several aviation-related businesses, including Shelair Aviation as a real estate development manager. Zonka also serves as president of Caxy Aerospace, Inc., and is a part-owner of Cherokee Wings, LLC. Zonka & Associates provides investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, employing a combination of fundamental and technical analyses, and offers specialized pension consulting and institutional portfolio management services.

Luis Sanchez is a CFA® charterholder with seven years of industry experience. He is a principal at LVS Advisory LLC, where he has worked since 2018, and also serves as Managing Partner and 50% owner of Greater Wealth LLC, a wealth management firm founded in 2023. His prior experience includes roles at Credit Suisse Securities, Anaxi Capital Management, Overlook Rock Asset Management, and self-employment. LVS Advisory provides discretionary asset management, consulting, and financial planning services to individuals and institutional clients. The firm’s investment approach combines fundamental research with value and growth principles to focus on long-term capital preservation and compounding across diverse asset classes.

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.

Thomas Wuchte is a financial advisor at Critical Mass Financial, LLC in Melbourne, FL, holding the ChFC® designation and Series 63 and 65 licenses with 16 years of industry experience. Prior to founding Critical Mass Financial in 2025, he worked at Money Professionals Group LLC for 16 years and currently serves as an analyst for Northrop Grumman Systems Corporation. He also owns and operates a tax and insurance services business. Critical Mass Financial provides discretionary and non-discretionary asset management and financial planning services primarily to individuals and high-net-worth clients. The firm employs fundamental and technical analysis within a portfolio allocation framework based on modern portfolio theory, offering strategies including options trading and tax-loss harvesting.