Terry Martine II is an Investment Adviser Representative affiliated with Signal Advisors Wealth, LLC, an SEC-registered investment adviser. Through Family Retirement Services, a DBA of Martine Financial, he helps Florida Retirement System (FRS) members—including educators, firefighters, police officers, school administrators, and other public employees—understand Pension Plan, Investment Plan, and DROP decisions. His work includes retirement income planning, wealth management, Social Security, Medicare and IRMAA planning, 403(b), 457, and 401(k) rollovers, insurance, and legacy planning. Based in Lake Worth, Florida, Terry serves clients in South Florida and nationwide where properly registered or licensed. Family Retirement Services is not affiliated with FRS or any government agency.

Mark Burger is the principal of Balanced Wealth Strategies LLC and holds a Series 65 credential with one year of experience in investment advisory. He is also the sole owner of Mark J. Burger P.A., a Florida-based accounting firm providing tax and advisory services since 1995. Additionally, he is a managing member and part-owner of GuidePoint PEO LLC, an AI-focused company involved in web-based marketing for professional employer organizations. Balanced Wealth Strategies provides portfolio management services through wrap-fee programs arranged with broker-dealer wealth managers, emphasizing a passive, preservation-oriented investment approach using diversified vehicles such as ETFs and mutual funds. The firm serves clients by advising on asset allocation and reviewing performance while leaving trade execution and discretionary authority to the selected wealth managers.

Jacob Levine is a financial advisor with Trout Capital Management, LLC in Jupiter, FL. He holds a Series 65 designation and has three years of industry experience. His prior work includes roles at Merrill, Bank of America, Merit Financial Group, Camden Capital, and Trillium Management. Trout Capital Management is an independent, state-registered investment adviser providing portfolio management and financial planning services to individuals, trusts, retirement plans, and small businesses. The firm employs tailored investment strategies focused on asset allocation, fundamental and risk/return analysis, and offers both discretionary and non-discretionary account arrangements.

Laongdao Suppasettawat is a financial advisor with TAK Advisory in Juno Beach, FL, holding CFP® and Series 66 designations and 17 years of industry experience. She has been with TAK Advisory since 2013 and is also a partner in CAT Properties LLC. Suppasettawat regularly conducts public seminars on investment, estate, and financial planning and serves on the boards of the University of Southern Maine Alumni Association and the World Affairs Council of Maine. TAK Advisory provides portfolio management and financial planning services to individuals, high-net-worth clients, trustees, and conservators. The firm’s approach includes tailored asset allocation, diversification, and periodic rebalancing, utilizing both fundamental and technical analysis and a range of strategies, while managing costs and tax consequences.

Steven Spalding is the sole advisor at Spalding, Steven, located in Palm Beach Gardens, FL. He holds a Series 65 designation and has four years of industry experience. In addition to his advisory role, he is the managing partner of Crossing Gaps LLC, a boutique marketing and data science consultancy he has operated since 2008. Spalding, Steven provides financial planning and consulting services to individuals, retirement and benefit plans, trusts, business entities, and high-net-worth clients. The firm’s investment approach combines fundamental and trend analysis with sector and macroeconomic views, delivering non-discretionary advice without maintaining custody of client assets.

Robert Chapman is a CFA® charterholder and holds Series 63, 65, and 66 licenses with 24 years of industry experience. He has been managing portfolios at Tegeta Capital, LLC since 2010 and has concurrent roles at Quadstar Capital Advisors, Inc. and Aegis Capital Corp. His work is based in Jupiter, Florida. Tegeta Capital provides discretionary investment supervisory and portfolio management services primarily to individual and high-net-worth clients, as well as corporate clients, trusts, pension plans, and pooled vehicles. The firm employs a “go-anywhere” equity approach combined with a risk-aware fixed-income process and offers both direct portfolio management and sub-advisory services.

Kyle Knopp is a financial advisor at Bluewater Asset Management in Jupiter, Florida, with eight years of industry experience. He holds the Series 66 designation and has worked at several firms, including Atlantic Wealth Partners and HBKS Wealth Advisors. In addition to his advisory role, he is a licensed insurance agent. Bluewater Asset Management is a single-advisor firm providing discretionary portfolio management and financial planning services to individuals, trusts, business entities, and pooled or institutional investors. The firm employs a tactical allocation strategy using a mix of equities, fixed income, and other securities, applying fundamental, technical, and cyclical analysis in portfolio construction.

Kamran Fotouhi is a CFA® charterholder and financial advisor at KFI Advisors with five years of industry experience. He has also served as a Managing Director at JS Held since 2014, where he focuses on data analysis, expert testimony, litigation support, and regulatory compliance consulting in the financial services sector. KFI Advisors provides portfolio management and related advisory services to individual clients, offering individualized management and occasionally entering into performance-based fee arrangements.

Charles Farrar is the principal advisor at Farrar Wealth Management, LLC in North Palm Beach, FL, with 31 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel, Nicolaus & Company, Incorporated for 10 years before founding his independent firm in 2017. Farrar Wealth Management serves individual clients, pension and profit-sharing plans, charitable organizations, and small businesses, offering discretionary portfolio management, financial planning, and consulting services. The firm employs a combination of technical and fundamental analysis, long- and short-term trading, option strategies, and margin trading to implement tailored investment strategies.

Stacy Bond is a Series 65-licensed financial advisor with Registered Investment Advisors, LLC, an independent firm she has been with since 2022. She has five years of industry experience, including prior roles at New York Life Insurance Co and PFS Investments. Outside of advising, she is the owner of a farm in Florida that grows produce, sells safety glasses to support childhood eye injury education, and provides family care for the elderly through a separate business. Registered Investment Advisors, LLC offers fee-only, discretionary portfolio advisory services to individuals, families, and small-to-mid-size businesses, using customized model portfolios that may include stocks, bonds, ETFs, mutual funds, and options-based strategies. The firm’s investment approach centers on fundamental financial analysis and return-on-equity comparisons to build portfolios aimed at long-term growth and income, employing option-based hedging strategies to manage risk.

Joseph Labanz is a financial advisor with Patriot Securities LLC in Jupiter, FL, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He founded Patriot Securities in 2015 after senior roles at Wells Fargo Advisors, Wachovia Securities, and Janney Montgomery Scott. Patriot Securities LLC provides fee-based, discretionary investment advisory services to individuals, trusts, and small business entities, focusing on custom portfolio management without account minimums. The firm employs a tactical allocation approach using fundamental and cyclical analysis, exchange-listed securities, corporate and municipal debt, mutual funds, and ETFs, with discretionary trading authority and quarterly portfolio reviews.

Godwin Okolie is the sole advisor at Wintrice Money Advisors, LLC in West Palm Beach, FL, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has operated as a sole proprietor since 2017 and has been with Wintrice Money Advisors since 2009. Okolie also maintains a separate insurance agency, which occupies less than one percent of his professional time. Wintrice Money Advisors is a small, fee-based independent firm serving individual clients with discretionary portfolio management and financial planning. The firm employs a structured approach combining fundamental, technical, and cyclical analysis, actively monitors portfolios including distressed investments, and operates with no minimum account size.

Hunter Brockway is the sole advisor at Boca Retirement Strategies Inc. in Jupiter, FL, holding a Series 65 license with six years of industry experience. He has been with Boca Retirement Strategies since 2020 and simultaneously manages a construction project management business, Hypower. Boca Retirement Strategies provides portfolio management and comprehensive financial planning to individuals as well as a select group of institutional and nonprofit clients. The firm employs a long-term trading approach using various analytical methods and manages approximately $2.9 million across about two dozen clients.

Ryan Carter is a financial advisor with Elm Wealth Advisory in Palm Beach Gardens, FL. He holds the Series 66 designation and has 14 years of industry experience. His prior experience includes roles at LPL Financial, TD Private Client Wealth LLC, and Truehand, Inc. In addition to his advisory work, he serves as president of Elm Trustees, LLC, providing trustee administrative services. Elm Wealth Advisory is a single-advisor independent firm serving trustees, high-net-worth individuals, charities, and business entities. The firm employs a fundamental-analysis driven investment approach focused on long-term strategic allocation with tactical flexibility, managing portfolios that include individual equities, short-duration debt, REITs, ETFs, and limited partnership interests.

Alan Neese is a financial advisor at Retirement Income Strategies Inc. in Palm Beach Gardens, FL, with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Kovack Advisors, Kovack Securities, and Voya Financial Advisors. In addition to his advisory role, he serves as president and licensed insurance agent at Sure Foundations International, dedicating part of his time to insurance-related activities. Retirement Income Strategies Inc. is an independent advisory firm offering discretionary asset management and tailored investment programs to individuals, high-net-worth clients, trusts, business owners, and estates. The firm employs fundamental analysis and strategic asset allocation, with portfolios reviewed and rebalanced quarterly based on client goals and market conditions.

Financial planning shouldn’t feel overwhelming, confusing, or full of hidden agendas. My goal is simple: help you make smart, informed decisions with your money so you can move forward with confidence. I’m a CERTIFIED FINANCIAL PLANNER™ (CFP®), Enrolled Agent (EA), and Retirement Income Certified Professional® (RICP®), with a Master’s Degree in Personal Financial Planning from Kansas State University. As a fee-only fiduciary, I provide objective advice with transparent pricing—no commissions, no product sales, and no conflicts of interest. Before launching Trammell Wealth, I spent several years working behind the scenes supporting advisors across the country, building financial plans and helping clients navigate complex decisions around retirement, Social Security, taxes, and investments. Today, I bring that same level of detail and strategy directly to the individuals and families I serve. What sets my approach apart is the integration of financial planning, investment management, and tax strategy. As an Enrolled Agent, I don’t just recommend tax strategies—I can implement them and prepare returns for many of my clients. This allows for more proactive, coordinated planning throughout the year, not just at tax time. I work primarily with individuals and families who want clarity around retirement, are preparing for major life transitions, or simply want to feel more organized and in control of their financial lives. My process—Plan • Protect • Prosper—is designed to bring structure and simplicity to even the most complex situations. I’m based in Wellington, Florida, where I live with my wife, Fabiola, a Registered Nurse, and our two kids, Alexander and Leah. When I’m not working with clients, you’ll likely find me teaching, writing, or involved in the local community. If you’re looking for straightforward advice, a long-term partner, and a plan you can actually follow—I’d be happy to help.

Daniel Johnedis is a CFA® charterholder with 12 years of industry experience. He is the sole advisor at Cratus Capital, LLC, an independent firm based in West Palm Beach, FL, where he has worked since 2015. Cratus Capital provides discretionary investment management and on-demand financial planning to individuals, families, and small business owners. The firm follows a value-oriented investment philosophy focused on capital preservation and long-term growth, using primarily individual stocks, corporate bonds, no-load mutual funds, and ETFs, with a concentration in fixed income.

Austin Kuyrkendall is a CFA® charterholder and Series 65 licensed advisor with one year of industry experience. He is the sole advisor at Kuyrkendall Capital and previously worked at Cary Stamp & Co. and Tiki Taxi and Cruises, where he also serves as Director of Enterprise Operations. In addition to his advisory role, he is an independent insurance agent. Kuyrkendall Capital provides portfolio management and financial planning services to individual and high-net-worth clients, along with consulting for pension and employee benefit plans. The firm employs a combination of fundamental analysis, modern portfolio theory, and quantitative methods in its investment process and maintains a notable pension consulting practice.

Aldain Beam is a financial advisor at Dunamis Capital Consulting, LLC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Nationwide Investment Services Corporation and Primerica Financial Services. In addition to his advisory role, he operates an independent insurance agency and a business management consulting firm that provides services such as accounting, payroll, and tax coordination. Dunamis Capital Consulting primarily serves individual clients with a focus on financial planning and retirement advisory services, while also offering insurance products through a separate agency. The firm emphasizes retirement planning and works with small- to mid-size business clients on incidental financial planning needs.

Harrison Grimm is the principal of The Grimm Group, an independent registered investment adviser based in Palm Beach Gardens, FL, with one year of industry experience. He holds a Series 65 designation and founded the firm in 2021. Outside of financial advising, Grimm is the founder and CEO of two consumer product companies: The Fan-Brand Inc., which licenses sports-related products sold by major retailers, and Trailer Jack 360, which holds a patent for a trailer-related invention. He also serves as MBA Partner and Director of Investment Relations for 99 Tartans, a student-run investment syndicate affiliated with Carnegie Mellon University. The Grimm Group provides personalized financial planning and discretionary portfolio management primarily to individuals, families, and small business owners. The firm emphasizes passive, long-term investing through low-cost S&P 500 index funds, focusing on diversification and cost efficiency without using performance-based fees or proprietary products.