Penny Di Giovanna is a CERTIFIED FINANCIAL PLANNER™ professional with nine years of industry experience. She is the principal of Financial Planning by Design, an independent, fee-only registered investment adviser. Prior to founding her firm, she held roles at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James & Associates. She also owns Wise Penny Consulting LLC, which provides non-investment consulting services related to family governance, financial education, and family transitions including divorce. Financial Planning by Design serves individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm uses a combination of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate planning.

Milo Zonka is a CFP® professional with 20 years of industry experience, operating as the principal of Zonka & Associates, Inc., an independent advisory firm. Prior to founding the firm, he worked with the Brevard County Property Appraiser and currently holds management and ownership roles in several aviation-related businesses, including Shelair Aviation as a real estate development manager. Zonka also serves as president of Caxy Aerospace, Inc., and is a part-owner of Cherokee Wings, LLC. Zonka & Associates provides investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, employing a combination of fundamental and technical analyses, and offers specialized pension consulting and institutional portfolio management services.

Desiree Kaul is the founder of Kaul Financial Solutions and holds the CFP® and ChFC® designations. She has two years of industry experience, with prior roles at Plancorp, LLC and MainStreet Financial Planning, Inc. Kaul also serves as a course facilitator at The American College of Financial Services and as an instructor for the CERTIFIED FINANCIAL PLANNER® certification program through Dalton Education, LLC. Kaul Financial Solutions provides project-based financial planning and tax preparation services to individuals, sole proprietors, and small businesses. The firm generally favors passive investment strategies based on Modern Portfolio Theory, offering recommendations implemented at the client’s direction without ongoing portfolio management.

Jarrett White is a financial advisor at Seven Pines Capital, LLC with six years of industry experience. He holds a Series 65 designation and previously worked at Dykema Gossett, PLLC and CACI International. Seven Pines Capital, LLC provides investment advisory and pension consulting services to individuals, high-net-worth clients, retirement plan sponsors, and institutional clients. The firm employs a range of strategies including fundamental, technical, and charting analysis, and is noted for its use of options and derivatives as well as its ERISA-focused pension consulting services.

Rita Medaglio Barrera is the sole advisor at BMR Global Wealth Management Group, Inc., an independent firm based in Melbourne, FL. She holds Series 63 and Series 65 licenses and has seven years of industry experience. In addition to her advisory role, she is an independent insurance agent specializing in Medicare supplement and Medicare Advantage plans for seniors. BMR Global Wealth Management Group, Inc. provides portfolio management and comprehensive financial planning services, including a specialized divorce financial-planning practice. The firm serves individuals, trusts, estates, charitable organizations, and business entities, managing approximately $1.05 million in discretionary assets with a focus on globally diversified, passively structured portfolios.

Luke McCarty is a CFP® and Series 66 licensed financial advisor with 11 years of industry experience. He is the principal of McCarty Wealth, LLC, an independent firm he founded in 2024. Prior to this, he held roles at McPherson Financial Group/World Equity Group/Prostatis Fin, Umb, and Financial Solutions of Raymond James. He is also a licensed insurance agent and owner of McCarty Wealth Insurance Services LLC. McCarty Wealth provides portfolio management and financial planning services to individuals and high-net-worth clients, utilizing a range of investment strategies including discretionary and non-discretionary management. The firm integrates insurance offerings alongside its investment services and maintains custody at Schwab Institutional.

Shannon Pitner is the founder and sole advisor of Nautilus Wealth Advisors, holding the CFP® designation and Series 63 license with 44 years of industry experience. Prior to establishing Nautilus Wealth Advisors in 2021, she worked at Raymond James Financial from 1990 to 2021. Outside of her advisory work, Pitner organizes and serves as treasurer for Women Sharing Wisdom, a conference for female financial advisors. Nautilus Wealth Advisors is a founder-owned registered investment adviser managing approximately $108 million for about 71 clients. The firm provides investment management, financial planning, and retirement plan advisory services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored plans, typically implementing tailored portfolios through the Raymond James Freedom account program.

Warren Burger is a financial advisor at Luminary Financial Advisors, LLC with six years of industry experience. He holds a Series 65 designation and worked at TPICAP for nine years before joining Luminary Financial Advisors in 2019. Luminary Financial Advisors provides investment management and financial planning services to individual clients, focusing on low-cost, tax-efficient portfolios primarily constructed with index mutual funds and ETFs. The firm offers project-based and subscription planning across various financial needs and uses a net-worth based annual fee model rather than percentage-of-AUM fees.

James Eppes is the principal of Eppes Wealth Management in Satellite Beach, FL. He holds a Series 65 designation and has one year of experience in financial advising. Prior to founding Eppes Wealth Management, he worked at FARO Technologies and U.S. LawShield, among other roles. Outside of advising, James is a part-time freelance copywriter. Eppes Wealth Management provides investment management and financial planning services to individual clients, including high-net-worth individuals, on a fee-only fiduciary basis. The firm employs modern portfolio theory using a mix of passive ETFs and mutual funds alongside fundamental analysis to build diversified portfolios.

Adam Rall is a CFP® professional with four years of industry experience, currently serving as an advisor at Rall Capital Management, Inc. in Rockledge, FL. He has been with the firm since 2013. Rall Capital Management provides wealth management and comprehensive financial planning services to individual clients, including high-net-worth households. The firm employs an investment approach based on Modern Portfolio Theory, focusing on diversified, tax-conscious portfolios managed primarily on a long-term, discretionary basis.

Jeffrey Wegner is a financial advisor at Money Management Concepts, Inc. in Melbourne, FL, holding a Series 66 designation with 22 years of industry experience. He has been with Money Management Concepts since 2016 and previously worked at Life Long Learning College from 2014 to 2018. Money Management Concepts, Inc. provides discretionary and non-discretionary investment management to individuals, trusts, and estates, including high net worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis with both long- and short-term strategies, using tools such as charting, short sales, margin transactions, and option writing.

Bob has more than 30 years of experience in the financial services industry. He began his financial career with Prudential Insurance, where he gained valuable knowledge and experience that allows him to help clients make sure that their various insurance policies are structured properly to protect their assets. While in that role, he was introduced to the investment side of the financial services industry and quickly learned that this is where his passion lies. After a few years helping clients manage their investment portfolio, the desire to help clients beyond their investments led him to complete the educational and experience requirements to earn the CERTIFIED FINANCIAL PLANNER™ designation in 1998. Bob had a passion for the financial markets, and enjoyed the relationships he had developed with his clients, but his disdain for the culture of Wall Street led him to join an independent, fee-only financial planning and investment management firm in 2000. He spent the next four years managing client portfolios and helping them to develop long-term comprehensive financial plans. A desire to be even more independent when helping clients led him to start Rall Capital Management in September of 2004. While most advisory firms are built to cater to the ultra-high-net-worth client, Bob built Rall Capital Management to cater to an underserved segment of the market, known as the “mass-affluent.” Individuals and families of more modest means have less room for error when planning their financial futures and managing their investment portfolios. This is the group that Bob has focused on serving. Bob is a member of the Financial Planning Association (FPA®) and the National Association of Personal Financial Advisors (NAPFA®). He was a contributing writer for the Journal of Financial Planning and served on the Editorial Advisory Board for several years. He is also a recognized leader in the retirement planning field. He helped launch the FPA’s Retirement Planning Knowledge Circle and served as its host for several years. Bob graduated cum laude from Ohio University in Athens, Ohio. But having grown up in Columbus, he is an ardent fan of The Ohio State Buckeyes. He also enjoys working out with his wife at their CrossFit gym, history, and working on his golf game. One of the things he is proudest of is having built a small, independent and successful firm that allows him to work with his family as they help other families achieve their financial goals.

Magid Baina is a financial advisor at Haron Capital Management, LLC with four years of industry experience. He holds a Series 65 designation and has been with Haron Capital since 2021. In addition to his advisory role, he operates as a nutritional consultant through his self-employed business. Haron Capital Management provides discretionary portfolio management and investment advice primarily to high-net-worth, accredited individuals. The firm employs a value-oriented, dividend-growth strategy combined with a range of analytical techniques and offers performance-based compensation arrangements, managing approximately $52 million for a select client base.

Joshua Haron is a financial advisor with Haron Capital Management, LLC in Cape Canaveral, FL, holding Series 63 and Series 66 licenses and 21 years of industry experience. Prior to founding Haron Capital Management in 2018, he worked at Bank of America and Merrill Lynch from 2012 to 2018. Haron Capital Management provides discretionary portfolio management and investment advice primarily to high-net-worth, accredited individuals. The firm employs a value-oriented, dividend-growth investment approach and uses a range of instruments, including leveraged ETFs, crypto assets, and NFTs, while offering performance-based compensation arrangements uncommon among its peers.

Brian Spatola is a financial advisor at Heron Equity Management, LLC with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Osaic Wealth, Inc. and Cetera Advisors LLC. In addition to his advisory role, he operates a sole proprietorship focused on insurance sales. Heron Equity Management provides discretionary and non-discretionary investment management, financial planning, and annuity/variable life management to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a tactical and strategic asset allocation approach using proprietary technical, quantitative, and volume analysis.

Andrea Hall is a financial advisor at Proverbi Capital Advisors, LLC with three years of industry experience. She holds a Series 65 designation and has worked at several firms, including AE Wealth Management, Big Financial Services, and Arbor Financial Services. Outside of her advisory work, Hall is also active as a licensed real estate agent with Waves Realty. Proverbi Capital Advisors provides discretionary asset management and financial planning to individuals, high-net-worth clients, and charitable organizations. The firm manages approximately $14.4 million across about 110 client relationships, tailoring investment programs to each client’s goals and risk tolerance using fundamental and cyclical analysis.

Scott Jackson is the sole advisor at Jackson Private Wealth Management, Inc. in Cocoa, Florida, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has worked at Edward Jones since 2009 and established his own firm in 2012. Jackson is also a licensed insurance agent, though he has not actively written insurance applications. Jackson Private Wealth Management serves individual clients, including high-net-worth households, as well as businesses, charities, and pension clients. The firm offers discretionary portfolio management and financial planning, constructing portfolios tailored to clients’ circumstances and referring to other managers for alternative investments outside its core expertise.

Your finances are a highly personal puzzle that can be sorted out, solved and optimized for your life. My goal is to help you get comfortable with your financial decisions by giving you smart, honest advice that aligns with your goals and values. After getting my engineering degree from CalTech and a Masters in Management from M.I.T., I was a financial do-it-yourselfer for over 25 years. One day on the radio, I heard Dave Ramsey say, “You want a financial advisor who has the heart of a teacher”, and I thought, “That’s me! I have a passion for understanding and explaining finances to people.” I founded Krehbiel Financial after 15 years in marketing, engineering and executive management at Harris and Intersil, and 11 years teaching physics at West Shore Jr./Sr. High School in Melbourne, FL. Throughout my careers, problem-solving, interpersonal skills, and teaching have been keys to my success in working with people. I specialize in working with tech professionals and busy couples who realize that their time is better spent focusing on their careers and their families, not the intricacies of financial planning. When I am not helping people accomplish their goals with their money, I enjoy road biking, bike tourism, traveling, meals with friends, and being a member of Church in the Wild, in Melbourne, FL.

Matthew Myland is a financial advisor with Quility Financial Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Quility since 2019 and previously at Wealth Watch Advisors LLC. Outside of his advisory role, he is managing member and independent insurance agent at API Partners, LLC, selling various insurance products including fixed and indexed annuities. Quility Financial Advisors serves individual and high-net-worth clients, offering financial planning, discretionary portfolio management, and participant account management. The firm tailors portfolios based on client objectives and risk tolerance, utilizing model-based strategies and sub-advisers while employing both fundamental and technical analysis across a broad range of investment instruments.

Colin Symons is a CFA® charterholder with 26 years of experience in the financial industry. He is currently with Lloyd Financial Group LLC, where he has worked since 2025. Prior to this, he was with Symons Capital Management, Inc. for 24 years and also spent time at Strategic Wealth Partners, Ltd. from 2021 to 2023. Lloyd Financial Group LLC provides discretionary investment management and financial planning services to individuals, high net worth clients, trusts, and estates. The firm employs a fundamental analysis approach with a long-term orientation, using low-cost mutual funds, ETFs, and, when appropriate, individual securities, while acting as a fiduciary and overseeing client portfolios with tailored strategies.