Robert Charles Carte

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.

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.

Michael Tringali is a CFP® and PFS™ with 24 years of experience in financial advising. He is the principal at Fee-Only Financial Advisors, LLC, an independent firm he founded in 2016, and has operated Michael J. Tringali, P.A. since 1991. Outside of his advisory work, he serves as finance director and executive committee member of the YMCA of the Suncoast's Citrus County branch and is involved with several nonprofit and community organizations, including a charitable foundation investment committee and a private trust providing educational scholarships. Fee-Only Financial Advisors, LLC manages approximately $25.7 million across 17 client relationships, serving individuals, trusts, estates, and corporate/business clients. The firm employs an investment approach based on academic research and Modern Portfolio Theory, offering diversified portfolios with tax-aware strategies and coordinated financial planning services.

Ryan Egbert is a CFP® and ChFC® with 11 years of industry experience. He is the sole advisor at Elevation Haven Financial, where he has worked since 2021. Prior to that, he spent 20 years at Scott Marsh Financial. Outside of his advisory role, he teaches finance courses. Elevation Haven Financial is an independent registered investment adviser serving individual investors, high-net-worth clients, companies, and trusts. The firm provides portfolio management, tax services including individual tax return preparation, real estate advice, and financial planning, employing a disciplined investment process focused on asset allocation and downside risk analysis.

Riley Kiefer is the principal advisor at Kiefer Financial Advising LLC in Ocala, FL, holding a Series 65 credential with one year of industry experience. Prior to founding his firm, he worked at Great American Insurance Group for six years. He is also licensed as a health and life insurance agent through a family-owned agency. Kiefer Financial Advising offers non-discretionary investment advisory and financial planning services to individuals, retirees, pre-retirees, trusts, and small businesses. The firm uses an education-first, goal-based approach with an emphasis on diversification, cost efficiency, and broadly diversified investment vehicles such as mutual funds and ETFs.

Jonathan Davis is a CFP®, CFA®, and ChFC® with 13 years of experience in the financial services industry. He previously worked at Vanguard for 11 years before founding One Day Wealth Management in Ocala, FL, where he serves as the sole advisor. One Day Wealth Management offers discretionary portfolio management and financial planning primarily to individual and high-net-worth clients, focusing on mutual funds and ETFs. The firm employs Modern Portfolio Theory to structure portfolios and provides tax preparation services to advisory clients, a service not commonly offered by independent firms.