James Colley is a CFP® professional with 27 years of experience in the financial advisory industry. He has operated his independent firm, James A. Colley, Inc., since 2013 in Lake Placid, Florida. James A. Colley, Inc. offers fee-only investment advisory and financial planning services to individual clients, utilizing mutual funds, individual equities, fixed-income instruments, and ETFs. The firm combines fundamental and technical analysis with asset-allocation tools such as modern portfolio theory and tactical allocation to manage portfolios aligned with clients’ time horizons and risk tolerances.

John Swaine is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Raymond James Financial Services and managing member roles in multiple LLCs. Outside of advising, he serves part-time as a police officer with the Sebring Police Department. Second Half Financial Partners provides discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation and manages approximately $364 million for over 1,100 clients.

Victor Divietro is a financial advisor with Waypoints Financial in Sebring, FL, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. His prior roles include positions at Merrill, A. G. Edwards & Sons, Wells Fargo Clearing, Cambridge Investment Research Advisors, and WFG Investments. Outside of advisory work, he manages two holding companies related to commercial real estate in Sebring. Waypoints Financial provides discretionary portfolio management and financial planning services to individuals, trusts, estates, charitable organizations, banks, and businesses. The firm operates its own wrap fee program, offering tailored investment strategies that include advanced trading techniques and ongoing portfolio monitoring.

George Leidel Jr. is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His background includes roles at Heartland Tax and Accounting, LLC, Leidel Capital, Inc., and Raymond James Financial. Outside of advising, he serves as president or managing member of several holding companies and is involved in tax preparation and IRS representation through Platinum Financial Partners, LLC. Second Half Financial Partners provides discretionary investment management and financial consulting primarily to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation strategies and manages an elevated client load across its team of five advisors.

Thomas Crutchfield is a financial advisor at Waypoints Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at WFG Investments Inc. from 2011 to 2017 before joining Waypoints Financial in 2009. Outside of advising, he serves on the board of Crutchfield Groves, Inc., a holding company for owner-financed properties. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, using fundamental, technical, and cyclical analysis with a range of strategies, including long- and short-term equity positions and margin borrowing.

John Clark is a CFP® with 34 years of industry experience and is currently a financial advisor at Waypoints Financial in Sebring, FL. He previously worked at Wfg Investments Inc from 2011 to 2017. Outside of his advisory role, Clark owns and operates a cattle ranch in Sebring, Florida. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, utilizing fundamental, technical, and cyclical analysis and employing a range of strategies including the use of borrowing and margin where appropriate.

Phillip Statler is a financial advisor at Second Half Financial Partners, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at his own firms and tax service companies since 1998. Statler also serves as president of SFS Tax Services, Inc., providing income tax preparation services. Second Half Financial Partners offers discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, focusing on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios primarily using index ETFs, dividend-paying stocks, and bonds, and manages approximately $364 million across more than 1,100 clients.

Shari Flowers is a financial advisor at Synergy Investment Management LLC with 12 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2013. Synergy Investment Management serves individuals, trusts, estates, businesses, and charitable organizations, managing over $461 million in assets for approximately 1,072 clients. The firm employs a long-term, Modern Portfolio Theory–based approach, utilizing diversified portfolios with mutual funds, ETFs, and other securities, and incorporates proprietary quantitative tools in its investment process.

Damali Errar is a financial advisor with Advisory Solutions Group and holds Series 63 and Series 66 credentials. She has 15 years of industry experience and has worked with firms such as Lincoln Investment, UBS Financial Services, and Wells Fargo Clearing. Errar is also a licensed real estate broker in Sebring, Florida. Advisory Solutions Group serves retail clients through a network of Investment Advisor Representatives and offers turnkey business and back-office services to other registered investment advisory firms. The firm employs a diversified investment approach combining quantitative, momentum, and fundamental analysis, while supporting RIAs with portfolio management, model implementation, and administrative services.

Michael Fitch is a financial advisor at Merit Financial Advisors with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Second Half Financial Partners, Swaine & Leidel Wealth Services, and Wells Fargo Clearing. He is president of the 3B Foundation LLC, a charity organization in Sebring, Florida. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base, including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable investment sleeves, overseen by a central Investment Management team and Investment Committee.

Jonathan Joles is a Series 65-licensed advisor with AE Wealth Management, LLC, where he has worked since 2019. He has six years of industry experience and is also involved with J. Biance Financial as an associate advisor focusing on insurance sales. Prior to his advisory roles, he held positions with Hardee County Family YMCA and Sun'n Lake Improvement District. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that combines models managed internally, by third parties, and by advisors.

Luis Barrionuevo is a ChFC® credentialed financial advisor with 35 years of industry experience. He is currently affiliated with Ameritas Advisory Services, LLC and its related entities, where he has worked since 2021. Prior to that, he held positions at Principal Life Insurance Co. and Principal Securities Inc. Barrionuevo is also the owner of Apex Financial Services LLC, where he manages insurance sales and oversees agent recruitment and development. Ameritas Advisory Services, LLC offers investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients. The firm provides a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by an Investment Committee and multiple custodial platforms.

Shannon Barrionuevo is a Series 66-credentialed financial advisor with Principal Financial Services in Lake Placid, FL, bringing 25 years of industry experience. She has been with Princor Financial Services and Principal Life Insurance Co. since 2003. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various advisory and promoter arrangements.

James Bauer is a financial advisor at J.W. Cole Advisors, Inc. with 26 years of industry experience. He holds the Series 66 designation and has been with J.W. Cole Advisors since 2014. Outside of his advisory work, he owns and operates a fruit farm in Lake Placid, Florida. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent advisers. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Andrea Carr is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and two years of industry experience. She has been affiliated with J Biance Financial since 2014, where she works as a Wealth Management Advisor focusing on annuity and life insurance products. Outside of her advisory roles, she volunteers at the Sebring Elks Lodge 1529, managing the dining room and assisting with event operations. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies to serve its clients and operates a platform noted for its scale and standardized services.

James Dinapoli is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 registrations and 39 years of industry experience. His prior roles include positions at Securities America, Cadaret, Grant & Co., Inc., and OSAIC. He is also involved in insurance sales based on client needs. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence to develop tailored investment strategies using both active and passive approaches.

Justin Biance is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and 11 years of industry experience. He has worked at AE Wealth Management since 2017 and has been involved with his own firms, J Biance Wealth Management, LLC and J. Biance Financial, Inc., since 2016 and 2013 respectively. In addition to advising, he is an author who sells a book related to his field. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm provides a platform-centered approach combining model portfolios managed by AEWM, third-party strategists, and advisor-managed models, alongside services such as financial planning, discretionary asset management, and plan consulting.

Kevin Welborn is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2024, he worked in education for several years, including roles at Florida Virtual School and school districts in Highlands and Hillsborough counties. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Brittany Higgins is a CFP® with four years of industry experience, currently serving as a financial advisor at Edward Jones. She previously worked with the firm during multiple periods starting in 2019 and has also served on the School Board of Highlands County. Higgins is a board member of the Children's Museum of Highlands, where she participates in board meetings and volunteers. Edward Jones is a full-service wealth management firm with over 23,700 advisors serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large retail advisor network and affiliated financial services.

Heather Harshman is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, she worked at Heacock Payroll, LLC from 2016 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary wrap fee services, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.