Ryan Layton is a CFA® charterholder and holds a Series 66 license with 13 years of industry experience. He has been the sole advisor at EmeraldSpark Investments since 2015. Ryan is also an adjunct professor and regularly participates in industry conferences and consulting with the CFA Institute. EmeraldSpark Investments provides personalized discretionary investment management and financial planning primarily for individual clients and offers 401(k) plan investment advisement to plan sponsors and participants. The firm combines Modern Portfolio Theory with behavioral finance in its investment process and is known for its educational outreach, including seminars, workshops, and no-cost financial planning services for clients.

Brian Ulch is a financial advisor at Aventail Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 license and has been with Aventail Wealth Management since 2015. In addition to his advisory role, he is a licensed insurance agent in multiple states, working with clients on life, annuity, and long-term care insurance needs. Aventail Wealth Management is a fee-based registered investment adviser serving primarily individual clients, including high-net-worth households. The firm offers discretionary portfolio management, financial planning, and consulting services, using a structured investment approach that incorporates ETFs, mutual funds, and select individual securities guided by a written Investment Policy Statement.

Bryan Beamer is a financial advisor at iPlan with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cambridge Investment Research Advisors, Ameriprise Financial Services, Kestra Financial Services, and NFP Securities. Outside of his advisory role, he owns and consults for iGIVE, LLC, a nonprofit that advises organizations on improving donor participation through charitable wealth strategies. iPlan serves individual and high-net-worth clients, as well as investment companies, charitable organizations, and businesses. The firm combines discretionary portfolio management with comprehensive financial planning, employing a mostly passive investment approach rooted in modern portfolio theory alongside periodic fundamental analysis.

Kevin Ashcraft is the principal of Ashcraft Wealth Advisors LLC, an independent firm based in Auburndale, FL. He holds a Series 65 designation and has prior experience with several consulting and analytics firms, including LogicDudes, LLC and Ventera Consulting. Ashcraft Wealth Advisors provides discretionary portfolio management and financial planning services to individuals, trusts, estates, endowments, corporations, and retirement plans. The firm employs a customized, bottom-up investment approach focused on asset allocation and diversification, with an emphasis on long-term positioning and tax-efficient strategies.

Donna Seymour is a financial advisor at Ingram Advisory Services, LLC with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Centaurus Financial Inc. and Ingram Financial Group, Inc. She is involved in managing client investments and also has experience with fixed annuities to diversify client assets. Ingram Advisory Services provides financial planning, portfolio management, pension consulting, and retirement-plan advisory services to individuals, employee benefit plans, trusts, estates, charitable organizations, and businesses. The firm serves over 580 clients with approximately $101.7 million in assets under management, focusing on tailored advice through model portfolios, fundamental and technical analysis, and primarily recommending mutual funds and ETFs with an emphasis on long-term holdings and periodic rebalancing.

Paul Ashcraft is the principal of Ashcraft Wealth Advisors LLC, an independent firm based in Auburndale, FL. He holds a Series 65 designation and has 11 years of industry experience. Prior to founding Ashcraft Wealth Advisors in 2014, he established Ashcraft Business Advisors in 2010. Outside of his advisory work, he is a licensed insurance agent and serves as the registered agent for G & S Family Hospitality Services, Inc. Ashcraft Wealth Advisors provides discretionary portfolio management and financial planning services to individuals, trusts, estates, endowments, corporations, and retirement plans. The firm employs a customized, bottom-up investment approach focused on client-specific asset allocation and diversification, integrating fundamental analysis with limited technical analysis and external research.

Michael Seymour is a financial advisor with Ingram Advisory Services, LLC, holding Series 63 and Series 65 credentials and over 37 years of industry experience. His prior roles include positions at Centaurus Financial Inc. and Polk State College. Outside of his advisory work, he owns Retirement Consultants Inc., a non-investment-related business. Ingram Advisory Services provides financial planning, discretionary and non-discretionary portfolio management, pension consulting, and retirement-plan advisory services to individuals, employee benefit plans, trusts, estates, charitable organizations, and businesses. The firm manages approximately $101.7 million in assets and serves over 580 clients, using model portfolios and primarily recommending mutual funds and ETFs with an emphasis on long-term holdings and periodic rebalancing.

Ryan Muller is a financial advisor with DMK Advisor Group, Inc., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at TCWP LLC since 2020, following roles at Starwood Capital, LLC and Principal Global Investors. DMK Advisor Group, Inc. is a registered investment adviser and independent broker-dealer managing approximately $84.5 million in client assets. The firm serves individuals, small businesses, trusts, and retirement or profit-sharing plans using portfolios composed of mutual funds and ETFs, combining technical and fundamental analysis with varying trading approaches based on account discretion.

Richard Mcadams is a financial advisor at Kingsbury Capital Investment Advisors LLC with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Cabot Lodge Securities LLC and Cambridge Investment Research Advisors Inc. He is also a partner and Chief Investment Officer at Legacy Capital Wealth Advisors, LLC. Kingsbury Capital Investment Advisors is an SEC-registered firm serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm offers portfolio management, financial planning, and institutional retirement advisory services, often managing accounts on a discretionary basis with a focus on client objectives and risk tolerances.

Abigail Skipper is a financial advisor with Ranch Capital Advisors Inc. She holds Series 63 and Series 65 licenses and has six years of industry experience. Prior to joining Ranch Capital Advisors, she worked at Seedway and Geneva Financial, and she was involved with Skipper Grassing, Inc. for 17 years. Outside of finance, she owns and manages Grand Central Stables, a horse boarding business. Ranch Capital Advisors serves individual and high-net-worth clients, trusts, estates, and small businesses, offering portfolio management, financial planning, and subscription-based financial coaching. The firm employs a range of investment strategies, including derivatives and options writing, tailored to client objectives through firm-developed model portfolios and ongoing monitoring.

James Nelson is a CFP® with 28 years of industry experience, currently serving as an investment advisor representative at Realta Investment Advisors, Inc. He has held roles at several firms, including Kalos Management and Family Financial Services of Florida. Outside of his advisory work, Nelson is involved in a family-operated home repair and remodeling business and serves on the board of directors for Advent Health Central Florida Polk Region. Realta Investment Advisors, Inc. is an SEC-registered enterprise firm managing approximately $343 million in client assets through a team of 54 advisors. The firm offers portfolio management, financial and estate planning, retirement-plan advisory, and access to a broad range of investments, utilizing a platform that supports both discretionary and non-discretionary accounts with individualized asset allocation and ongoing account monitoring.

Edgar Thomas is a financial advisor at Tucker Asset Management LLC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at several firms, including Alternativ Wealth and Claraphi Advisory Network. In addition to his advisory work, he provides documentation consulting services to senior citizens, assisting with legal, tax, and healthcare documents. Tucker Asset Management serves individual and high-net-worth clients, as well as foundations, trusts, estates, and charitable organizations. The firm employs a top-down, macroeconomic asset-allocation process and offers discretionary investment management, model-portfolio solutions, and financial planning through a network of independent advisers.

Janet Knight is a financial advisor with Foundations Investment Advisors LLC in Fort Lauderdale, FL, holding a Series 65 credential and 19 years of industry experience. Her prior roles include positions at MML Investors Services, Financial Guide For Women, and MassMutual Life Insurance Company. In addition to her advisory work, she operates Jan Knight Insurance, focusing on education and sales of insurance products, including retirement services and Social Security and Medicare coaching. Foundations Investment Advisors serves a diverse client base, including individual investors, trusts, estates, retirement plans, and businesses, providing portfolio management, financial planning, and educational workshops. The firm uses model allocations, third-party sub-advisers, and an asymmetric rebalancing approach, and it operates through a large network of affiliated offices and representatives.

Shabana Asif is a financial advisor with Level Four Advisory Services, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has previously worked with Bankers Life in various roles from 2006 to 2024. Additionally, she operates as an independent insurance agent through Level Four Insurance Agency. Level Four Advisory Services is an SEC-registered enterprise investment adviser managing approximately $5.32 billion across 115 advisors and serving a diverse client base including individuals, retirement plan sponsors, corporations, and charitable organizations. The firm offers fee-only financial planning, asset management, and retirement plan advisory services, utilizing model portfolios managed internally or through sub-advisers.

Mc Cree Stults is a financial advisor at Commonwealth Financial Network with five years of industry experience. He holds the Series 66 designation and has been with Commonwealth and J Phillips Investments since 2019. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, including wealth management and retirement plan consulting, and provides operational, trading, technology, and compliance support to affiliated advisors.

Jonathan Hunt is a CFP® and ChFC® with 24 years of industry experience. He has been with Independent Financial Partners since 2021 and previously worked for Northwestern Mutual in various capacities from 2008 to 2021. Outside of his advisory role, Hunt owns an insurance agency and is involved in travel consulting and photography. He also serves as secretary and treasurer of a homeowners association in Winter Haven, Florida. Independent Financial Partners is a nationwide enterprise supporting a multi-advisor platform with over 260 advisors and more than $12 billion in assets under management. The firm offers investment advisory, financial planning, trust, and retirement-plan services, with a notable focus on retirement-plan advisory and pension consulting.

Bonnie Parker is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Infinex Investments Inc. and Citizens Bank and Trust since 2013. Parker also serves as Senior Vice President and Private Banking Manager at Citizens Bank and Trust. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans with a range of advisory and brokerage services, including financial planning, ERISA plan services, and access to alternative investments through the CAIS platform. The firm’s approach includes a mix of fundamental and technical analysis and emphasizes non-discretionary asset management.

Ryan Bruursema is a financial advisor at OSAIC Institutions, INC. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Infinex Investments, Citizens Bank and Trust, LPL Financial, Voya Financial Advisors, and Genworth Financial. Outside of his financial career, he serves as head coach of the clay target team at Warner University. Osaic Institutions serves individuals, charitable organizations, corporations, and retirement plans by providing advisory and brokerage services through customized engagements. The firm offers a range of solutions including financial planning, ERISA plan services, alternative investments via the CAIS platform, and lending and cash-management options, with a notable focus on non-discretionary assets and a network of dual-registered investment adviser representatives.

Anthony Locascio is a CFP® professional with 42 years of industry experience. He has been associated with Kestra Advisory since 2016 and Kestra Investment Services since 2001, and maintains a long-standing role at Bishop, Ortiz & LoCascio Associates dating back to 1984. Outside of his advisory work, he serves as a board member for the E.C. Apartments community organization and is a member of the Winter Haven Rotary Club. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, and investment advice. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple third-party management platforms within a comprehensive supervisory framework.

Julie Phillips is a financial advisor with Commonwealth Financial Network in Winter Haven, FL, holding a Series 66 designation and 23 years of industry experience. She has operated J. Phillips Investments, LLC since 2008 and serves as a power of attorney and successor trustee for multiple family-related trusts. Outside of advisory work, she is a co-owner of Phillwell & Associates, LLC, an entity involved in real estate management. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs, technology, and operational support. The firm offers various investment management solutions, including discretionary model portfolios and personalized indexing options.