John Meagher is a financial advisor with Kovack Advisors, Inc. in Roswell, GA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has four years of industry experience and currently works at Kovack Advisors after previously working at Kovack Securities and National Insurance Brokers. He serves as the Life Brokerage Director at National Insurance Brokers, a fixed insurance agency. 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, financial planning, and sub-advisory services through an Envestnet-supported workflow incorporating both internal and third-party investment models.

Christopher Demaria is a financial advisor at Kovack Advisors, Inc. with 27 years of industry experience. His background includes roles at Raymond James Financial Services, Inc. and Raymond James & Associates prior to joining Kovack Advisors in 2008. He is involved in publishing non-research articles on managing money and the market environment, as well as a business technology venture as a partner and founder. 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 using a combination of internally created and third-party investment models supported by an Envestnet workflow.

Michael Haddigan is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 credential and over 21 years of industry experience. Before joining Kovack Advisors in 2017, he worked at INVEST Financial Corp from 2009 to 2017 and has been involved with Common Cents Planning, Inc. since 2003. Outside of his advisory roles, he serves as a Cubmaster volunteer for his son's Cub Pack. 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, model-supported investment approach using both internal and third-party managers.

Patricia Phipps is a financial advisor at Kovack Advisors, Inc. with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Kovack Advisors since 2018, following prior roles at Mutual Securities Inc, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. She is also a licensed insurance agent. Kovack Advisors, Inc. is a multi-team registered investment adviser with roughly 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 both internally created models and third-party managers.

Timothy Davis is a financial advisor at Kovack Advisors, Inc. with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Kovack Advisors since 2018 following prior roles at SCF Investment Advisors and National Securities Corp. Outside of his advisory duties, he serves as president of Davis Global Inc., a web design and IT consulting business. 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, institutions, and government clients, employing a risk-tolerance based investment approach that uses a combination of internal models and third-party managers to manage diversified portfolios.

Sandi Chui is a financial advisor at Kovack Advisors, Inc. with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Western International Securities, Inc., Citigroup Global Markets, and Merrill. Kovack Advisors, Inc. is a multi-team registered investment adviser with roughly 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, using a combination of proprietary and third-party models to manage portfolios across multiple custodians and execution venues.

Dorota Gilbert is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and 23 years of industry experience. Her career includes positions at Merrill and Ameriprise Financial Services prior to joining Kovack Advisors and Kovack Securities. Kovack Advisors, Inc. is a multi-team registered investment adviser with around 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government clients through portfolio management, financial planning, and access to sub-advisory programs, utilizing both internal and third-party investment models.

Brad Hallock is a financial advisor with Kovack Advisors, Inc. in Colorado Springs, CO, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes positions at Kovack Advisors and Kovack Securities since 2013, MSI Financial Services, Advisors Asset Management, and T. Rowe Price Advisory Services. Outside of his advisory work, he officiates football games at various levels. 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 clientele including individuals, pension plans, charitable organizations, banks, and government entities, using a combination of internally created and third-party investment models supported by an Envestnet workflow.

Bryan Scarratt is a financial advisor with Kovack Advisors, Inc. in Dothan, AL, holding a Series 66 designation and 18 years of industry experience. He has been with Kovack Advisors and its affiliated firms since 2014, following roles at Securities America Advisors, Osaic FS, and Merrill. Outside of his advisory role, he is an owner and director of a tax shelter and asset protection firm, and a partner in a financial planning 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 state and municipal clients, offering traditional advisory services and utilizing a combination of internally created models and third-party managers to construct and manage portfolios.

Lisa Evans is a financial advisor with Kovack Advisors, Inc. in Cumming, GA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked with Kovack Securities Inc. since 2014 and has been associated with Resource Horizons Investment Advisory and Resource Horizons Group LLC since 2010. Outside of advisory work, Evans is CEO and CFO of Essential Financial Solutions, Inc., and serves on the finance committee at Pine Crest Baptist Church of Forsyth County. 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, high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, implementing portfolios through a risk-based process using both internal models and third-party managers.

Edgar Hawkins III is a financial advisor with Kovack Advisors, Inc. located in The Villages, FL. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. Prior to joining Kovack Advisors in 2017, he worked at SII Investments, Inc. and several other firms. He also engages in licensed insurance activities, including developing proposals for life, long-term care, and disability insurance. 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, utilizing a combination of internally created models and third-party managers to manage portfolios across multiple custodians.

Bob Hodges Jr. is a financial advisor with Kovack Advisors, Inc. He holds Series 63 and Series 65 credentials and has 35 years of industry experience. Prior to joining Kovack Advisors in 2020, he worked at Capital Guardian Wealth Management and Moors & Cabot, Inc. He also owns Hodges Wealth Management LLC. 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, high-net-worth clients, pension plans, charitable organizations, banks, and government entities, offering portfolio management, financial planning, and sub-advisory services implemented through a combination of proprietary models and third-party managers.

Steven Newman is a CFP® professional with 41 years of industry experience, currently with Kovack Advisors, Inc. since 2016. He previously worked at Concourse Financial Group Securities, Inc. and Principal Financial Services. Outside of his advisory role, Newman teaches a finance course fulfilling CFP education requirements at Stetson University. 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, as well as pension plans, charitable organizations, banks, and government clients, employing a combination of internal models and third-party managers within an Envestnet-supported portfolio management system.

Michael Donofrio is a financial advisor at Kovack Advisors, Inc. in Ft. Lauderdale, FL, with 25 years of industry experience. He has held roles at Kovack Advisors since 2017, previously working at Raymond James & Associates, Ryan Beck & Co., and Morgan Stanley DW Inc. In addition to his advisory work, he serves as president of Worth Ave Wealth Management, focusing on financial planning for retirees. 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, high-net-worth clients, pension plans, charitable organizations, and governmental entities, using a combination of internally created models and third-party managers to manage portfolios.

Rene Villate Cortes is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding 18 years of industry experience. He has been with Kovack Advisors and Kovack Securities since 2009 and previously worked at Cetera Wealth Services, LLC. Outside of his advisory role, he is involved in boat management, overseeing cleaning and maintenance services, and participates as a partner in a retail sports clothing e-commerce business. Kovack Advisors, Inc. is a multi-team registered investment adviser with roughly 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 discretionary and nondiscretionary portfolio management along with financial planning and sub-advisory services.

Winnaa Wright Villano is a financial advisor with Kovack Advisors, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. She has been with Kovack Advisors and Kovack Securities since 2009 and previously worked at American Securities Group, Inc. from 2007 to 2009. Kovack Advisors, Inc. is a multi-team registered investment adviser with about 260 advisors and over $6 billion in client assets, serving a diverse client base that includes individuals, pension plans, charitable organizations, banks, and government entities. The firm employs a structured investment process using risk-tolerance questionnaires and internally developed models alongside third-party managers, providing both model-based and advisor-managed portfolio solutions.

Kent Amos is a financial advisor at Kovack Advisors, Inc. in Mobile, Alabama, holding Series 63 and Series 65 credentials with 40 years of industry experience. His career includes roles at Kovack Advisors and Kovack Securities, as well as BTS Asset Management. Outside of advisory work, he is involved in selling fixed insurance and owns a rental condominium. 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 risk-tolerance-based investment process that utilizes both internal and third-party models across multiple custodians and execution venues.

Stephen Cain is a CFP® professional with 25 years of industry experience, currently serving at Kovack Advisors, Inc. since 2015. He has also been associated with Kovack Securities Inc. and Lindner Capital Advisers, Inc. for over a decade. Outside of his primary roles, he is involved with Warnick and Cain LLC, providing financial planning and investment management services, and works as an agent for various insurance companies. 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 structured investment approach using both internal models and third-party managers across multiple custodians.

Konstantin Chrenow is a financial advisor at Kovack Advisors, Inc. with 24 years of industry experience. He holds a Series 66 designation and has worked at several firms including Girard Securities, Newcastle Financial Advisors, and Merrill prior to joining Kovack Advisors in 2018. Outside of his advisory role, he serves as a board member for a homeowners association and is involved in equine therapy coaching through Creative Animal Connection. 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, high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, employing a structured investment process supported by Envestnet and combining internally developed and third-party strategies.

Jeffrey Davis is a financial advisor at Kovack Advisors, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Kovack Advisors and Kovack Securities since 2013. Outside of his advisory work, he volunteers as a soccer coach for the Bristol Soccer Club. Kovack Advisors, Inc. is a multi-team registered investment adviser managing over $6 billion in client assets and serving a diverse client base including individuals, pension plans, charitable organizations, and governmental entities. The firm uses an Envestnet-supported workflow with a combination of internally developed models and third-party managers to manage client portfolios across multiple custodians.