Keith Kelt is a financial advisor with Kovack Advisors, Inc. in Santa Barbara, CA, holding a Series 63 designation and bringing 59 years of industry experience. He has been with Kovack Advisors and its related entities since 2015, following a prior period at TKG Financial, LLC. Outside of his advisory work, he is involved in managing family real estate investments and operates a property management 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 governmental clients, employing a structured investment approach using both internally created models and third-party managers.

John Heroux is a CERTIFIED FINANCIAL PLANNER™ professional with 24 years of industry experience. He is currently with Kovack Advisors, Inc. and has previously worked at TKG Financial, LLC and as an airline pilot for United Airlines, where he serves as a Captain on international and domestic flights. 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, providing portfolio management, financial planning, and sub-advisory services through both model-based and advisor-managed approaches.

Barbara Ralston is a financial advisor with Kovack Advisors, Inc. in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with Kovack Securities, Inc. and Kovack Advisors, Inc. since 2016, and is also involved with TKG Financial, LLC. Outside of her advisory work, she serves as president of the Santa Barbara 500 Club, a women's bowling club, and is a partner in a business selling custom pet IDs and ornaments online. 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, utilizing a risk-based, model-driven investment approach supported by Envestnet technology.

Wayne Cassriel is a financial advisor at Kovack Advisors, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at The Kelt Group, Securities America Advisors, LPL Financial, Mission Wealth Management, National Planning Corporation, and Morgan Stanley DW. Kovack Advisors 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, institutional plans, charitable organizations, and government entities, using a combination of internally created and third-party investment models supported by an Envestnet workflow.