Larry Chappell Jr. is a CFP® professional with 27 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. His prior roles include extensive tenure at USAA-affiliated firms and Charles Schwab entities dating back to 2006. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on tailored recommendations with client-approved trade execution and features a distinctive operational structure affiliated with Charles Schwab & Co. and its associated entities.

Nicholas Menzies is a financial advisor with Truist Advisory Services in Lakeland, FL, holding a Series 66 designation and two years of industry experience. He previously worked at Ameriprise Financial Services and Edward Jones, and spent over a decade with Polk County Public Schools. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting. The firm integrates inter-affiliate services and utilizes AI-enabled tools for research and manager oversight.

Stefanie Boykin is a financial advisor at Davenport & Company LLC with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Davenport since 2019. Her prior experience includes roles at Money Concepts Capital Corp. and Infinex Investments, Inc. Davenport & Company serves individual and institutional clients, offering a range of asset management, brokerage, and advisory services. The firm employs dedicated portfolio manager teams and a Manager Research team to oversee various investment strategies, including separately managed accounts, mutual funds, and municipal bond strategies.

Steven Harris Jr. is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 19 years of industry experience. He has worked at Truist Advisory Services since 2016 and previously at LPL Financial and Morgan Stanley & Co. LLC. Outside of his advisory role, he is president of Harris and Co. Investment Group LLC, a business managing a second home property used partly for rental purposes. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a third-party manager selection program, implementing advice through a combination of discretionary and non-discretionary arrangements supported by third-party platforms and AI-enhanced equity research.

Richard Waters Jr. is a CFP® professional with 27 years of industry experience, currently associated with OSAIC Institutions, INC. His previous roles include positions at Infinex Investments, Ameriprise Financial Services, Centennial Bank, LPL Financial, and Truist Investment Services. Outside of advisory work, he contributes as a publishing author on financial advice for NFL players preparing for life after football and provides financial planning and counseling services to military personnel and their families through Magellan Financial. OSAIC Institutions, INC. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating through a hybrid adviser/broker-dealer model with a focus on both discretionary and non-discretionary account management.

William Dyer is a CFP® with 23 years of industry experience, currently serving as an advisor at Truist Advisory Services since 2016. He has been affiliated with Truist Investment Services since 2007. Dyer serves as a floating board member for the San Juan Ranch HOA, where he participates in overseeing community maintenance and development projects. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm utilizes both discretionary and non-discretionary approaches, supported by third-party platform and manager arrangements, and integrates services across affiliated entities to deliver its investment solutions.

Adam Banks is a financial advisor with Fifth Third Securities, Inc., holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Fifth Third Securities and Fifth Third Bank since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Bank. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account options combining third-party portfolio managers, strategist portfolios, and advisor-managed sleeves, with features including direct indexing and tax-overlay services.

Albert Camps is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and 19 years of industry experience. His career includes roles at Fidelity and various SunTrust and Truist entities since 2009. Outside of his advisory work, he has experience in the hospitality industry as a restaurant server. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager-selection programs, implementing advice through both discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Benjamin Knox is a CFP® and CFA® with 27 years of industry experience. He has been with Fifth Third Securities, Inc. since 2013 and previously worked at Morgan Stanley and Truist Investment Services. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutions through both advisory and brokerage services. The firm offers a range of investment programs via its Passageway Managed Account Platform, utilizing multiple portfolio managers and strategies tailored to client risk profiles.

Samir Ahmed is a financial advisor at Creative Planning with 10 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Creative Planning, he worked at firms including Cetera Wealth Services, Avantax, Facet Wealth, Schwab, USAA, and JPMorgan Chase. Outside of his advisory role, he is an online instructor for Florida State University’s Center for Disaster and Risk Policy. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment approach focused on low-cost indexing and buy-and-hold strategies, supplemented with tax-efficient and fundamental equity options, supported by a large advisory team and integrated investment infrastructure.

Harold Mc Intosh is a financial advisor with Principal Financial Services based in Brandon, FL, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. His prior work includes roles at Michini Wealth Management, Principal Securities Inc, Principal Life Insurance Company, Park Avenue Securities, and GUARDIAN LIFE INSURANCE COMPANY of America. He is also involved in fixed insurance sales, including life, annuities, group benefits, and health insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

John Wright is a Series 66-registered advisor with Truist Advisory Services in Tampa, FL. He has one year of experience as a financial advisor, previously working at Truist Bank for ten years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a third-party manager selection program, utilizing a combination of discretionary and non-discretionary approaches with integrated inter-affiliate services.

Omar Corona is a financial advisor at LPL Financial in Tampa, FL, holding a Series 65 designation. He has one year of industry experience and previously served five years in the U.S. Navy. Corona’s background also includes work at Suncoast Credit Union and education at Rutgers University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment programs and utilizes various advisory tools while overseeing over $819 billion in discretionary assets through a large network of more than 22,800 advisors.

Jeffery Wallace is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise in Lakeland, FL. He has been with Ameriprise and its affiliated entities since 2001. Ameriprise provides a retirement-income planning service designed for individuals nearing or in retirement who meet certain asset criteria, offering detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and automated tools, focusing on clients with Ameriprise-managed assets.

Johanna Carlisle is a financial advisor with Primerica Advisors in Lakeland, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of her advisory role, Carlisle is co-owner and secretary of Heartland Surgical Assistants, Inc., owns a wreath-making business, BowTie Wreaths, and is co-author of the book *In Search of A Family: A Story of An International Adoption*. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Ricardo Rampersad is a financial advisor with Primerica Advisors in Brandon, FL, holding a Series 65 designation and 20 years of industry experience. He has been with Primerica Advisors since 2014 and has prior work history including roles at Primerica Financial Services and Arrmaz Custom Chemicals. Outside of financial advising, he serves as an executor for a non-client estate. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Christopher Stino is a financial advisor at Edward Jones with 16 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at USAA Financial Planning Services and Charles Schwab. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a wide range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 advisors and offers both discretionary and non-discretionary strategies under a fiduciary standard.

Matthew Corman is a financial advisor at LPL Financial with nine years of industry experience. He holds the CFP® and Series 66 designations and has worked at several firms including AE Wealth Management, Generations Retirement Group, and CreativeOne Wealth. Corman is also associated with Suncoast Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Chad Jones is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and bringing 13 years of industry experience. He has been with LPL Financial since 2019 and also maintains a role with Allen & Co since 2012. Outside of advising, he owns Warrior Combat & Fitness LLC, a local gym offering jiu-jitsu, judo, personal training, yoga, and related programs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides advisory and brokerage services through a large network, offering financial planning, model portfolios, third-party asset management, and institutional platforms with both discretionary and non-discretionary investment options.

Lisa Middleton is a financial advisor with LPL Financial in Tampa, FL, holding Series 63 and Series 66 designations and possessing 11 years of industry experience. Her prior roles include positions at USAA-affiliated firms and Suncoast Credit Union, where she also serves as a service associate. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.