Patrick O'Brien is a CFP® with 34 years of industry experience, currently affiliated with Commonwealth Financial Network and PBJ Wealth Management. He previously worked at Wells Fargo Advisors Financial Network LLC for 10 years. Outside of his advisory role, he is co-owner of Neutral Corners, LLC, an entity involved in managing residential real estate in Syracuse, NY. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers various investment management solutions and discretionary model portfolios developed by its Investment Management and Research team.

Gary Tangwall is a financial advisor at Beacon Pointe Advisors, LLC with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Beacon Pointe in 2024, he worked at Landmark Wealth Management Group, Purshe Kaplan Sterling Investments, and Thrivent Financial for Lutherans, among other firms. In addition to his advisory role, he is an agent with Beacon Pointe Insurance Services, LLC, where he is involved in the sale of life, health, and accident insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individual and institutional investors such as charitable organizations and retirement plans. The firm utilizes a manager-of-managers approach, employing a proprietary “Focus List” of third-party independent managers, and offers a range of services including discretionary wealth management, financial planning, and outsourced CIO solutions.

Deanne Mathis is a financial advisor with Commonwealth Financial Network and Emerald Wealth Management Solutions, Inc., holding the CFP® designation along with Series 63 and Series 66 licenses. She has 33 years of industry experience and has been with both firms since 2008. Mathis is also the owner of Emerald Wealth Management Solutions, a private entity created to operate her securities business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions, while acting as a back-office and platform provider.

Thomas Peluse Jr. is a financial advisor with Fifth Third Securities, Inc. in Crystal Lake, IL, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Wintrust Investments LLC and employment at Miromar Lakes Golf Club and Park Ridge Country Club. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate and business clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with integrated relationships among the bank, platform sponsor, and clearing firm.

Adam Zimmerman is a financial advisor with Primerica Advisors who holds a Series 66 designation and has three years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, Ferguson Enterprises, and Lake Aurora Christian Camp, as well as experience in full-time education and the food service industry. Park Avenue Securities serves a diverse retail client base with both brokerage and advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports discretionary and non-discretionary account management.

Joseph Russo is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked at Private Advisor Group since 2019 and previously spent time with LPL Financial and Advantage Investment Management. Outside of his advisory role, he serves as a board member of Race Realty. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for more than 135,000 clients, including individuals, trusts, and institutions. The firm offers a range of portfolio management and financial planning services, employing various investment strategies and supporting held-away account management through multiple platforms.

Malaika Cook is a financial advisor at Empower Advisory Group with nine years of industry experience. Her prior roles include positions at Fisher Investments, Morgan Stanley, and T. Rowe Price. She holds Series 63 and Series 66 licenses and is based in Cape Coral, Florida. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates, leveraging a tightly integrated model with Empower’s recordkeeping and administrative platforms.

Pamela Abraham is a financial advisor with Hightower Advisors, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. She has been with Hightower Securities, LLC and Hightower Advisors since 2014. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, including pension plans, charitable organizations, corporations, and trusts. The firm’s advisory approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research to construct diversified portfolios.

Chad Loson is a Series 66 licensed advisor at Fifth Third Securities, Inc. in Fort Myers, FL, with 18 years of industry experience. He has been with Fifth Third Securities and its affiliated entities since 2009. Fifth Third Securities, Inc. serves individual and institutional clients through investment advisory and brokerage services. The firm offers a range of investment programs on its Passageway Managed Account platform, featuring advisor-directed models, SMA strategies, and tax-focused options, and operates as a wholly owned subsidiary of Fifth Third Bank.

Michael Tisch is a financial advisor at Guardian Life with 28 years of industry experience. He holds Series 63 and Series 66 designations and has worked extensively with Park Avenue Securities and Guardian Life Insurance Company since 2014. Outside of his advisory role, Tisch is involved in business consulting through SWAG Business Consulting, which supports business owners and professional athletes in organizing their personal lifestyles, and he is a passive owner of a full-service salon in Tampa. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and a range of advisory programs that include proprietary and third-party strategies.

Victoria Luzardo Ocando is a financial advisor with Transamerica Financial Advisors, holding a Series 65 designation and based in Fort Myers, FL. She has been with Transamerica Financial Advisors since 2025 and has prior experience at Wfgia and All Insurance Agency of Florida. Outside of finance, she also worked at 1803 Pizza Kitchen and spent twelve years in education. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension and profit-sharing plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services with various program options, including proprietary and third-party model portfolios, operating as both a registered broker-dealer and RIA.

James Haltigan is a financial advisor with FIFTH THIRD SECURITIES, Inc. He holds a Series 66 designation and has 17 years of industry experience. He has been with Fifth Third Securities and Fifth Third since 2008. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, including high-net-worth clients, charitable organizations, corporate and business clients, and other institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and an optional tax-overlay service.

Carolyn Insley is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 credentials. She has 33 years of industry experience, including 16 years at United Planners and over three decades operating Insley Financial. She is a co-owner of several investment-related businesses in Monte Vista, Colorado, including a non-variable insurance firm and a company selling fixed and indexed annuities. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a mix of non-discretionary and discretionary asset management through both fee-based and commission-based options.

Steven Meinbresse is a financial advisor with Valic Financial Advisors in Fort Myers, FL. He holds a Series 66 designation and has seven years of industry experience. Prior to his current role, he worked at BayWater Exclusive Boat Club & Rentals for seven years. He is also an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Kaylin Hukill is a financial advisor with Valic Financial Advisors in Fort Myers, FL, holding a Series 66 designation and beginning their advisory career in 2025. Prior to joining Valic, Hukill worked at Peoples Bank, Holbrook and Holbrook Law Office, and held various roles in education and research. Hukill is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Christopher Curtis is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Ion Bank since 2019 as a Senior Vice President, alongside roles at Infinex Investments, Inc. and United Bank. Curtis is based in Fort Meyers, Florida. OSAIC Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives, offering customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker‑dealer model with both discretionary and non‑discretionary accounts and utilizes third‑party promoters and platform affiliations to enhance its service and distribution capabilities.

Michael Kochis is a financial advisor with Guardian Life in Fort Myers, FL, holding a Series 66 designation and over 40 years of industry experience. He has been with Guardian Life since 1984 and has worked at the firm in its current form since 1999. Outside of his advisory role, he operates HK Global Adventures, LLC, a boat charter business. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individual and institutional clients with brokerage, financial planning, and investment advisory services. The firm offers a range of advisory programs including discretionary and non-discretionary options utilizing both proprietary and third-party models.

Lisa Chambers is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and 14 years of industry experience. Her prior roles include positions at OneAmerica Securities, American United Life, and American Funds. Outside of financial advising, she is co-owner and a board member of Hail Appraisals Inc., a company specializing in auto appraisals. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jacqueline Lambros is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with Commonwealth Financial Network since 2016. She is also the owner and president of The Lambros Group, Inc., a business facilitating securities, advisory, and insurance services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing client assets totaling around $212.7 billion. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Jhuler Villegas is a Certified Financial Planner® with 22 years of industry experience, currently serving at Truist Advisory Services since 2021. His prior experience includes roles at Bb&T Investment Services and Bb&T Securities. Outside of financial advising, he is a part owner of a cigar retail business in Fort Myers Beach. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary approaches supported by third-party manager platforms and AI-enabled research tools.