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.

Jennifer Anderson is a financial advisor at Bay Colony Advisors with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including Cetera Financial Specialists LLC, Securities America, Inc., The Patriot Financial Group, LPL Financial, LLC, Integrated Wealth Concepts LLC, and Lincoln Financial Advisors Corp. Outside of her advisory role, she serves as a board member of Ashburnham Community Church. Bay Colony Advisors serves individual investors, high-net-worth families, trusts, retirement plans, and institutional clients by providing comprehensive financial planning, portfolio management, retirement plan consulting, and family office services. The firm combines fundamental investment analysis with access to model portfolios and third-party sub-advisers, and offers a blend of family-office services alongside institutional retirement fiduciary solutions.

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.

Deborah Oneil is a financial advisor with M Holdings Securities, Inc., holding Series 63 and Series 65 credentials and 30 years of industry experience. She has worked at Equitable Advisors and AXA Advisors, LLC for over two decades before joining AEM Partners, LLC and Assured Equity Management Corporation in 2022. In addition to her advisory roles, she serves as Vice President and Director of AEM Business Services Corp., providing legal counsel and strategic oversight, and acts as a partner at AEM Partners LLC, offering financial and investment advice to business owners and individuals. M Holdings Securities, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving individual, corporate, retirement plan, and other clients through a nationwide network of Investment Advisor Representatives and Member Firms. The firm offers a range of advisory services including discretionary and non-discretionary investment management, retirement plan consulting, financial planning, sub-advisory services, and insurance-contract advisory services.

Jarrod Harrison is a financial advisor at MissionSquare Retirement with four years of industry experience. He holds the Series 66 designation and has worked previously at firms including Prudential Insurance Company of America, Wells Fargo, and Edward Jones. Outside of advising, Harrison is co-owner of a residential short-term rental property which he manages jointly with his wife. MissionSquare Retirement serves state and local government employers, their employees, and non-profit entities by administering deferred compensation and qualified retirement plans. The firm provides plan administration, recordkeeping, education, and Guided Pathways Advisory Services, utilizing investment advice and model portfolios developed by Morningstar Investment Management.

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.

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.

Maggie Yi is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior work includes roles at Park Avenue Securities, Guardian Life Insurance, and JPMorgan Chase. Primerica Advisors serves a diverse retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a range of investment strategies through proprietary and third-party programs, along with financial and business consulting.

Bryan Hernandez is a financial advisor at Mercer Global Advisors Inc. with six years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Hernandez also holds active life and variable annuity insurance licenses. Mercer Global Advisors provides investment advisory and planning services to a diverse client base including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, employing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management where appropriate.

David Rodriguez Lozada is a financial advisor at Fifth Third Securities, Inc. He holds Series 63 and Series 65 licenses and has been with Fifth Third Securities since 2025. Prior to joining the firm, he worked in retail and hospitality roles, including positions at Armani Exchange and Disney. He has been involved with the UCF College of Business since 2015. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and a tax-overlay service, operating as a wholly owned subsidiary of Fifth Third Bank.

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.

Yanira Guerrero is a financial advisor at Empower Advisory Group with four years of industry experience. She holds a Series 66 designation and previously worked at Bank of America, Merrill, Wells Fargo, and other firms. Outside of her advisory role, she is a wedding coordinator, managing logistics for clients on a part-time basis. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail IRA and brokerage clients. The firm’s integrated approach combines proprietary and third-party planning methodologies with recordkeeping and administrative platforms.

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.