Richard Stebbins Jr. is a CFP®-credentialed financial advisor with 16 years of industry experience. He operates as the sole advisor at Richard A. Stebbins CPA CFP, an independent firm based in The Villages, FL. The firm provides discretionary investment management primarily for individuals and trusts, managing approximately $13.1 million for about 20 clients. Its investment approach includes preferred stocks, closed-end funds, index ETFs, selected individual equities, MLPs, and occasional covered-call option writing, tailored to clients’ objectives and risk tolerance. The firm maintains a fee-only model, serves a deliberately small client base, and offers separate tax-planning reviews and limited-scope hourly planning engagements without providing comprehensive financial planning services.

Michael Barber is the principal of Barber & Associates, an independent advisory firm, with over 40 years of experience in the financial industry. He holds the ChFC® and Series 63 credentials. His career includes roles at Kissling Financial Services, Wealth Management Network, and ownership of Concierge Tax Preparation, LLC, which prepares income tax returns. He also spends time with an estate documentation firm and provides training to financial advisors through Wealth Management Network. Barber & Associates offers investment advisory services primarily by recommending and referring clients to third-party managed account programs and assisting with investment objectives and oversight. The firm manages approximately $50 million in discretionary assets and does not impose account minimums. It does not directly trade client portfolios but helps clients select third-party money managers, with custody and execution handled by independent custodians.

Terry Smith is the sole advisor at Smith Financial LLC in Ocala, FL, holding a Series 65 credential with one year of industry experience. Prior to founding his independent firm, he spent 19 years working for the U.S. Department of Defense. Smith Financial LLC is a state-registered investment adviser that provides financial planning and occasional educational seminars to individuals, families, and small businesses. The firm offers a planning-only model without portfolio management or asset-based fees and focuses on financial analysis tools such as cash-flow modeling and retirement projections to support client recommendations.

William Losey III is a CFP® professional with six years of industry experience. He is the principal advisor at Bill Losey Retirement Solutions, LLC, an independent firm he has operated since 2005. Bill Losey Retirement Solutions, LLC provides investment supervisory services and financial planning to individuals and high-net-worth clients. The firm primarily uses the SEI Asset Management Program, focusing on mutual funds and exchange-traded funds, and operates predominantly on a non-discretionary basis, allowing clients to retain trade authority.

Mark Dushane is the principal of Dushane Management, Inc., an independent advisory firm, with 16 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Advance Capital Management Inc. Dushane is the author of the book "Beyond Folly," serves as president of the Lake County Chamber Alliance, and chairs the Lady Lake Economic Development Advisory Committee. Dushane Management, Inc. provides discretionary portfolio management to individuals, high-net-worth clients, and business entities, employing a rules-based investment strategy that incorporates both long- and short-term trading. The firm offers institutional-style services including a quarterly client newsletter and formally documented policies on investment allocation and security selection.

Kathleen Laseter is a CFP® professional with 12 years of experience, currently affiliated with Parady Wealth Management. She has a background that includes roles at several related entities and has operated her own CPA firm since 1993. Her business activities include managing a CPA firm focused on income tax return preparation and accounting, as well as serving as a licensed insurance agent. Parady Wealth Management provides discretionary investment management primarily to individuals, high-net-worth clients, and charitable organizations. The firm uses model portfolios and sub-advisers, tailoring recommendations to clients’ investment needs and risk profiles, while also offering integrated services through its affiliated insurance and tax/accounting firms.

Paul Autodore Jr. is a financial advisor at Zinnia Wealth Advisory, LLC in Ocala, FL, holding a Series 65 designation with 11 years of industry experience. He previously worked at Bankers Life and Bankers Life Securities, INC. before joining Zinnia Wealth Advisory and Zinnia Wealth Management in 2022. Zinnia Wealth Advisory manages approximately $168.8 million for individuals, trusts, estates, charitable organizations, and corporate clients. The firm offers financial planning and discretionary portfolio management, often implementing strategies through sub-advisers and model portfolios that combine actively managed and buy-and-hold approaches.

Charisse Rivers is a financial advisor at Zinnia Wealth Advisory, LLC in Ocala, FL, holding a Series 65 license with 11 years of industry experience. Her prior roles include positions at Central Florida Retirement Education, Retirement Wealth Advisors, and NFIC Group. She is also the managing member and owner of an insurance agency affiliated with her firm. Zinnia Wealth Advisory serves individuals, trusts, estates, charitable organizations, and corporate clients, managing approximately $168.8 million across a diverse client base. The firm offers financial planning and discretionary portfolio management, utilizing sub-advisers and model portfolios with a mix of actively managed and buy-and-hold strategies tailored to clients’ objectives.

Benny Creamer is a Financial Consultant at Fidelity Investments, where he has been working since 2019. He partners with high net worth clients to assist them in making educated decisions regarding their financial plans. Benny emphasizes the importance of developing trust-based relationships by understanding clients' personal goals, wishes, needs, and challenges, and maintaining regular communication to adapt plans to changing circumstances. Prior to his current role, Benny held several positions at Fidelity Investments, including Investment Consultant in 2019, Relationship Manager from 2017 to 2019, Investment Solutions Representative from 2016 to 2017, and Financial Representative in 2016. His experience spans various aspects of financial consultation and client relationship management. Outside of his professional responsibilities, Benny has interests in baseball, family activities, football, golf, and military service.

Todd Lietz is a financial advisor at Zenith Advisory Group, LLC in Ocala, FL, holding a Series 65 designation with two years of industry experience. Prior to joining Zenith, he worked at Northwestern Mutual and spent nine years at L2 Defense, alongside roles with the Florida State Fire College and Marion County Fire Rescue. Zenith Advisory Group provides advisory services to individual and high-net-worth clients, focusing on portfolio management, financial planning, and retirement plan advisory services. The firm applies modern portfolio theory with a long-term trading orientation, tailoring asset selection to client goals, risk tolerance, and time horizon.

Grant Clay is a Series 65-licensed financial advisor with New Millennium Asset Management, Inc. in The Villages, FL. He has experience in both financial advising and education, having worked at Summit Insurance Co and served at the University of Kentucky and Eastern Kentucky University prior to joining his current firm. New Millennium Asset Management primarily serves individual and high-net-worth clients, offering discretionary asset management alongside comprehensive financial planning and business consulting services. The firm employs a diversified investment approach that includes the use of margin and options strategies, supported by both fundamental and technical analysis.

Kelly Burkhead is a CFP® professional with 13 years of experience, currently serving at Parady Wealth Management. She has held roles at Blueprint Wealth Management and Parady Financial Group since 2012, and previously worked at Fidelity. In addition to her advisory work, she is Vice President of Sales at a licensed insurance agency, where she prepares and presents retirement income strategies. Parady Wealth Management provides discretionary investment management primarily to individuals, high‑net‑worth individuals, and charitable organizations. The firm uses model portfolios and sub‑advisers, tailoring recommendations to client risk profiles and investment parameters, and integrates investment, insurance, and tax services through affiliated entities.

Roxanne Theodoropoulos is a CFP® and holds a Series 66 license with 15 years of industry experience. She currently works at Capstonewealth and has previously been with Gradient Advisors, LLC and USAA Financial Planning Services. Outside of investment advisory, she is also active as an insurance agent specializing in Medicare, life insurance, and annuities through American Senior Benefits. Capstonewealth provides investment management primarily to individual clients using third-party strategist models through the Orion Portfolio Solutions platform. The firm operates mainly on a non-discretionary basis, making portfolio recommendations while clients retain final trade decisions.

Michael Osborne is a financial advisor at New Millennium Asset Management, Inc. with 18 years of industry experience. He holds a Series 65 designation and has been with New Millennium Asset Management since 2007. New Millennium Asset Management primarily serves individual and high-net-worth clients, managing discretionary portfolios with a combination of fundamental and technical analysis. The firm offers a range of financial planning and business consulting services, and is notable for its use of leverage and derivatives within client accounts.

Joshua Cruz is a CFP® professional with eight years of industry experience. He has worked at Bucket List Wealth Management, LLC since 2017 and previously held roles at Senior Financial Security, Inc and Deutsche Bank. Cruz holds a Series 65 license and is also a licensed independent insurance agent, though he does not actively use this license. Bucket List Wealth Management serves individual and high-net-worth clients by recommending and onboarding third-party advisers through sub-advisory arrangements. The firm’s investment approach is asset-allocation based and emphasizes regular account reviews, model portfolio management, and coordination with external money managers.

Carol Greenwald is a financial advisor at Potomac Investment Company with 43 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Potomac Investment Company since 1983. Potomac Investment Company is a small investment management firm that provides discretionary portfolio management to high-net-worth individuals, trusts, estates, charitable organizations, and retirement accounts. The firm employs a conservative, long-term investment approach with a focus on fundamental and cyclical security analysis and diversification.

Bart Patterson is a financial advisor with Zenith Advisory Group, LLC, holding a Series 65 designation and 14 years of industry experience. He has worked at Zenith Advisory Group since 2022 and previously held roles at Golden Reserve, LLC, and Parady Financial Group. Bart is also a licensed agent. Zenith Advisory Group provides advisory services primarily to individual and high-net-worth clients, offering portfolio management, financial planning, and retirement plan advisory services. The firm employs a long-term investment approach based on modern portfolio theory, tailoring strategies to client goals, time horizons, and risk tolerances.

John Golden is a financial advisor at Golden Reed Wealth Management, LLC in Ocala, FL, holding a Series 65 designation with one year of industry experience. He has worked previously with Canopy 360 Wealth, LLC and James Moore & Co. alongside his current roles. Golden is also engaged in insurance sales as a licensed agent. Golden Reed Wealth Management provides discretionary and non-discretionary asset management, retirement-plan consulting, and financial planning services, including ERISA 3(21) fiduciary advice and participant education for various qualified plans. The firm’s investment approach is tailored to client goals using fundamental analysis and includes a distinctive focus on ERISA plan consulting.

William Reed is a CFA® charterholder affiliated with Golden Reed Wealth Management, LLC in Ocala, FL, with two years of industry experience. Prior to joining Golden Reed Wealth Management, he worked at Canopy 360 Wealth, LLC for four years. Outside of his advisory work, he is involved with Homestead Tiny Enterprises, an entrepreneurial venture. Golden Reed Wealth Management provides discretionary and non-discretionary asset management, retirement-plan consulting, and financial planning services. The firm offers tailored investment approaches and distinctive ERISA/pension consulting capabilities as a 3(21) fiduciary advisor, serving both individual and institutional clients.

Kathryn Donovan is a Certified Financial Planner® with 29 years of industry experience. She is currently with Parady Wealth Management and previously spent over 20 years at Ameriprise Financial Services in various capacities. Parady Wealth Management provides discretionary investment management primarily to individuals, high-net-worth clients, and charitable organizations. The firm uses a documented suitability process with regularly rebalanced model portfolios and offers integrated investment, insurance, and tax services through its affiliated entities.