James Baccarini is a CFP® and holds a Series 65 license with three years of experience at Aggregate Financial Services, Inc. He has worked in the industry since 2015, including roles at Beacon Capital Management, Inc. and JC Trident Inc. In addition to his advisory work, he is a licensed insurance agent involved with insurance sales. Aggregate Financial Services, Inc. is a small, state-registered firm that provides investment management, financial planning, retirement-account advisory, and estate-planning support primarily to individual clients. The firm employs a combination of asset allocation, dollar-cost averaging, technical analysis, and both short- and long-term purchase strategies, using third-party model portfolios and tax-management tools with regular portfolio monitoring.

Taylor Retherford is a Series 65-licensed advisor with Aggregate Financial Services, Inc. in Navarre, FL, and has three years of industry experience. Prior to joining Aggregate Financial Services, he worked at Olympus in a medical imaging role and has experience in insurance sales. Aggregate Financial Services, Inc. is a state-registered advisory firm that provides investment management, financial planning, retirement-account advisory, and estate-planning support to individual clients. The firm uses a variety of approaches, including third-party model portfolios and tax-management tools, to tailor advice based on client objectives and risk tolerances.