William Joseph Konchal

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.

James Randazzo is a financial advisor with LSP Advisory LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at GWN Securities Inc. for 15 years before founding LSP Planning LLC in 2014 and LSP Advisory, LLC in 2019. In addition to advisory work, Randazzo is involved in tax consulting and preparation, life insurance and annuities sales, and Medicare planning. LSP Advisory, LLC is an independent registered investment adviser serving individuals and high-net-worth clients, managing approximately $24.8 million across nearly 100 accounts. The firm primarily uses risk-based model portfolios and third-party sub-advisers, with a focus on quantitative and qualitative evaluation of managers, and offers services in equities, fixed income, mutual funds, ETFs, structured notes, REITs, and private/alternative investments.

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.

William Losey III is a CFP® professional with six years of industry experience and over 21 years running Bill Losey Retirement Solutions, LLC. He operates as an independent advisor based in The Villages, FL. Bill Losey Retirement Solutions, LLC is a single-advisor firm serving individuals and high-net-worth clients with portfolio management and financial planning. The firm focuses on non-discretionary management using SEI Asset Management Program model portfolios, emphasizing client approval for trades and periodic account monitoring.

David Souders is a CFP®-certified financial advisor with 19 years of industry experience. He is the principal of Apis Wealth, LLC, an independent firm he has led since 2019. Prior to founding Apis Wealth, he worked at Ronald Blue & Co., LLC and Ronald Blue Trust from 2003 to 2019. Apis Wealth provides financial planning, consulting, and discretionary portfolio management to individuals, trusts, estates, charitable organizations, and business entities, typically serving clients with account minimums of $500,000. The firm’s investment approach includes tailored asset allocation across equities, fixed income, and other securities, with continuous monitoring, formal annual reviews, and specialized planning for clients with concentrated equity positions and cryptocurrency exposure.

David Morgan is a financial advisor with REAP in Wealth Management, LLC, holding a Series 65 credential and 18 years of industry experience. He has worked with Cambridge Investment Research, Inc. and Cambridge Investment Research Advisors, Inc., and has been affiliated with Reap, LLC since 2001. Outside of his advisory role, Morgan is a registered insurance agent involved in the sale of fixed and insurance products. REAP in Wealth Management provides fee-based wealth management and financial planning services to individual and high-net-worth clients, offering retirement and estate planning, cash flow and tax planning, and access to third-party portfolio managers. The firm implements investment strategies tailored to clients’ objectives and risk tolerances, utilizing both direct management and sub-advisors.