Michael Raymond Adams

Penny Di Giovanna is a CFP® with nine years of industry experience. She is the principal advisor at Financial Planning by Design, an independent firm she founded in 2023. Prior to this, she held positions at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James, among others. In addition to her advisory work, she operates 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 is a fee-only, independent registered investment adviser serving individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm utilizes a blend of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate considerations.

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®-credentialed financial advisor with over 21 years of industry experience. She is principal at Zonka & Associates, Inc., an independent advisory firm based in Indialantic, Florida. In addition to her advisory role, she is involved in aviation-related businesses including real estate development and aerospace manufacturing. Zonka & Associates provides investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers tailored portfolio management, financial planning, and pension consulting, with a specific focus on retirement plans and institutional clients.

Luis Sanchez is a CFA® charterholder and Series 65 licensee with seven years of industry experience. He is the principal advisor at LVS Advisory LLC and also serves as Managing Partner and 50% owner of Greater Wealth LLC, a wealth management firm founded in 2023. His roles include investment decision-making and client relationship management across both firms. LVS Advisory provides discretionary investment management primarily through separately managed accounts, serving individuals, trusts, family offices, corporations, and employee benefit plans. The firm’s investment approach combines value and growth strategies with a focus on long-term capital preservation, utilizing a broad range of securities including equities, fixed income, convertibles, structured instruments, and derivatives.

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 with 17 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to founding Critical Mass Financial in 2025, he worked at Northrop Grumman Systems Corporation as an analyst and has served in the United States Navy. Outside of his advisory role, he owns and operates a tax and insurance services business. Critical Mass Financial, LLC provides discretionary and non-discretionary asset management and financial planning services to individuals and high-net-worth clients. The firm utilizes a combination of fundamental and technical analysis within an allocation framework informed by modern portfolio theory, offering strategies that include options trading and tax-loss harvesting.