Michael Kresh is a CFP® with 40 years of industry experience, currently affiliated with Commonwealth Financial Network since 2020. He has previously worked at Royal Alliance Associates, Inc. for 30 years and owns Creative Wealth Management LLC, which he has operated since 2003. He is also the author of the book *You Can Afford To Retire*. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including wealth management and retirement plan consulting, while offering advisors access to diverse investment products and proprietary model portfolios.

Daniel Kresh is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2020. He previously worked at Royal Alliance from 2013 to 2020 and has operated Creative Wealth Management LLC since 2012. Outside of finance, he is a USPTA Certified Tennis Professional and teaches tennis. Commonwealth Financial Network supports a national network of advisors by providing operations, technology, investment management, and compliance services. The firm offers a variety of advisory programs and emphasizes discretionary portfolio management and customized investment solutions.