Derek Huff is a financial advisor with Kovack Advisors, Inc. in Huntsville, Alabama, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Kovack Advisors, Brokers International Financial Services, Voya Financial Advisors, Inc., and AllState Insurance Company. Outside of his advisory work, he is involved in federal employee retirement training through a nonprofit sponsorship. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients, providing portfolio management and financial planning supported by Envestnet technology and a mix of internal and third-party investment models.

William Cohron III is a financial advisor at Kovack Advisors, Inc. with 34 years of industry experience. He previously worked at Morgan Stanley DW Inc. for seven years before joining Kovack Advisors and its affiliated securities firm. Outside of his advisory role, he is president of Benefits Solutions Group, Inc., a company providing insurance sales, payroll, employee assistance programs, and 403(b) compliance solutions, and he authors a Christian children's allegory book series through his media company, Awesum Media. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients, employing a risk-tolerance based investment process that uses both internal models and third-party managers.

Anthony Deluca is a CFP® with 54 years of industry experience, currently serving at Kovack Advisors, Inc. since 2006. He previously worked at Securities America Advisors, Inc. from 2001 to 2006. Deluca also manages fixed investment needs through his own business, DeLuca Wealth Management, focusing on fixed annuity and life insurance sales. Kovack Advisors, Inc. is a multi-team registered investment adviser with about 260 advisors and over $6 billion in client assets, serving individuals, institutions, and government clients. The firm uses a structured investment process supported by Envestnet and offers both model-based and advisor-managed portfolio solutions across multiple custodians.

Gerald Hoenings is a CFP® with 34 years of industry experience, currently serving as an advisor at Kovack Advisors, Inc. since 2007. His prior roles include positions at Gunnallen Financial, Inc. and OSAIC. Outside of his advisory work, he is president of Pinnacle Tax of Jupiter and Pinnacle Tax of Palm Beach, specializing in tax preparation and accounting, and manages an online fitness equipment business. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, utilizing both internally developed and third-party investment models supported by an Envestnet workflow.

Steven Wright is a financial advisor at Kovack Advisors, Inc. with 20 years of industry experience. He holds the PFS™ and Series 63 designations and has worked with Kovack Advisors and its affiliates since 2010, following a lengthy tenure at S R Wright & Company, P.A. He is also president and owner of a CPA firm specializing in tax return, estate, and asset protection planning. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors managing over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and municipal clients, employing a mix of internally created models and third-party managers to provide discretionary and non-discretionary portfolio management and financial planning services.

Chun Yong Liu is a financial advisor at Kovack Advisors, Inc. with five years of industry experience. Prior to joining Kovack Advisors and Kovack Securities in 2025, he worked at Ameriprise Financial Services from 2020 to 2024 and at Wayal Health Sciences and Andorra Life LLC from 2017 to 2020. Kovack Advisors, Inc. is a multi-team registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients. The firm uses a risk-tolerance based approach supported by Envestnet technology, combining internally created models with third-party managers to offer both model-based and advisor-managed solutions.

Michel Tsaparlis is a financial advisor at Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Kovack Advisors and its affiliated firm Kovack Securities since 2013, and previously worked at Investacorp Advisory Services Inc from 2009 to 2012. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and access to third-party managers using a risk-tolerance based process supported by Envestnet technology.

Keith Kelt is a financial advisor with Kovack Advisors, Inc. in Santa Barbara, CA, holding a Series 63 designation and bringing 59 years of industry experience. He has been with Kovack Advisors and its related entities since 2015, following a prior period at TKG Financial, LLC. Outside of his advisory work, he is involved in managing family real estate investments and operates a property management business. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and governmental clients, employing a structured investment approach using both internally created models and third-party managers.

Garrison Mc Graw is a financial advisor at Kovack Advisors, Inc. with five years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Kovack Securities, LLC and the University of Alabama. Mc Graw operates a small investment-related business under the name MCGRAW SERVICES. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, offering portfolio management, financial planning, and sub-advisory services through both internally developed models and third-party managers.

Andrew Andreotta is a financial advisor at Kovack Advisors, Inc. with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with LPL Financial, Guardian Life Insurance Company, Park Avenue Securities, Mutual of Omaha, and Modern Woodmen of America. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients, employing a risk-tolerance based investment process that utilizes both internal models and third-party managers.

Michael Bird is a financial advisor at Kovack Advisors, Inc. with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Arete Wealth Advisors, LLC, American Portfolios Financial Services, Inc., and UBS Financial Services. Outside of his advisory work, he is involved in consulting for Nextrip, Inc. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, using a combination of internally created models and third-party managers to manage client portfolios.

Mark Lebovic is a financial advisor with Kovack Advisors, Inc. in Commack, NY, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 51 years of industry experience and has been with Kovack Advisors and its affiliated Kovack Securities since 2007. Outside of advisory work, he is involved in selling life and health insurance and manages a portfolio of domain names. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, employing a range of portfolio management and financial planning services supported by Envestnet technology and a combination of internal models and third-party managers.

Osvaldo Delgado Jr. is a financial advisor with Kovack Advisors, Inc., holding a Series 66 designation and 17 years of industry experience. He has been with Kovack Advisors and its affiliate Kovack Securities since 2012. Outside of his advisory role, he is involved as Chief Operating Officer and partner of a digital marketing agency serving churches and nonprofit organizations. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, offering a range of advisory services including portfolio management, financial planning, and access to sub-advisory programs.

Isabelle Shick is a Series 66-credentialed financial advisor with 19 years of industry experience, currently serving at Kovack Advisors, Inc. since 2011 and Kovack Securities Inc. since 2007. She also spends a small portion of her time working as a fixed insurance agent. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets, serving individuals, institutional clients, and government entities through a combination of discretionary and non-discretionary portfolio management and financial planning services.

Marvin Mc Graw is a financial advisor with Kovack Advisors, Inc. in Mobile, Alabama, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Nationwide Investment Advisors, LLC and Nationwide Investment Services Corporation. He is also involved in managing McGraw Financial Services, Inc., a separate investment-related business. Kovack Advisors, Inc. is a multi-team registered investment adviser with roughly 260 advisors and over $6 billion in client assets, serving individuals, pension plans, charitable organizations, banks, and municipal clients. The firm utilizes an Envestnet-supported workflow and employs both internally created models and third-party managers to construct and monitor client portfolios across multiple custodians.

Troy Roberson is a CFP® with 16 years of industry experience, currently serving at Kovack Advisors, Inc. since 2015. He previously worked at Resource Horizons Investment Advisory, Inc. from 2012 to 2014. Outside of his advisory role, Roberson is involved as an executive officer with the Marine Corps Aviation Association in Atlanta and serves as secretary for West Cherokee Church of Christ. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and sub-advisory services using both internally created models and third-party managers.

Mindy Kirby is a financial advisor with Kovack Advisors, Inc. in Rowlett, TX, holding a Series 66 designation and 25 years of industry experience. Her prior roles include positions at Beacon Retirement Planning Services and Securities America. She is also president and CEO of Kirby Wealth Management. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, institutions, and government clients, offering portfolio management, financial planning, and access to independent advisor programs through a process supported by Envestnet.

Steven Austin is a financial advisor with Kovack Advisors, Inc. in Melbourne Beach, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Morgan Stanley from 1991 to 2011 before joining Kovack Advisors. Outside of his advisory role, he is involved in insurance sales and has pursued modeling and acting opportunities. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and governmental clients, employing a risk-based investment process supported by Envestnet and using both internal models and third-party managers to manage portfolios.

Emmanuel Santiago Perez is a financial advisor at Kovack Advisors, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Nationwide Planning Associates, Cetera Investment Services, and Regions Bank. Outside of his advisory work, he is president and instructor of Aikido of Central Florida, a martial arts school he fully owns. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, offering traditional advisory services supported by an Envestnet workflow and a mix of proprietary and third-party investment models.

Lindell Douglas is a CFP® professional with 27 years of industry experience, currently serving as an advisor at Kovack Advisors, Inc. since 2018. His prior experience includes roles at J.W. Cole Advisors, Inc. and Ameriprise. Outside of his advisory work, he is involved as president of The Galleon Foundation, focusing on scholarships, and serves as a minister engaged in preaching and teaching. He is also an author and executive chairman of Caribbean Village Entertainment Inc. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients, offering portfolio management, financial planning, and sub-advisory services using a combination of proprietary models and third-party managers.