Patrick Gilchrist is a financial advisor with Schwab Wealth Advisory who holds the Series 63 and Series 66 designations and has 19 years of industry experience. He has worked at Charles Schwab since 2006, including ten years with Charles Schwab Bank prior to joining Schwab Wealth Advisory in 2025. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s recommendations are based on Charles Schwab’s asset-allocation models and internal research tools, with at-least-annual reviews tailored to each client’s goals and risk tolerance.

Mary Cavaleri is a financial advisor with Hightower Advisors in Dunedin, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She joined Hightower in 2020 following five years at Frontier Investment Management Co. Hightower Advisors offers investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach with both affiliated and third-party managers. The firm emphasizes discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, supporting complex mandates including international and institutional exposures.

Keith Willett is a financial advisor with Principal Financial Services, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. His career includes roles at One Source Advisory LLC, DBG Financial Group, Principal Life Insurance Co, Princor Financial Services, and Securian Financial Services. He is also an owner and managing member of Intrust Business Partners, LLC, which manages group benefits commissions for a partnership of business associates. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers financial planning, retirement consulting, and access to third-party money managers through advisory and promoter arrangements.

Joshua Ferguson is a financial advisor at PNC Wealth Management with six years of industry experience. He holds a Series 66 designation and has previously worked at firms including Suncoast Credit Union, LPL Financial, City National Bank, and RBC Capital Markets. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees. The firm employs algorithm-driven risk assessments to recommend investment strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties.

Thomas Kelly is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 31 years of industry experience. He has been with T. Rowe Price since 2007. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining goals-based financial planning, retirement income strategies, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with a minimum asset requirement and emphasizes model portfolios, tax-aware rebalancing, and online planning tools.

Fawn Lane is a CFP® professional at Lincoln Investment with 20 years of industry experience. She previously worked at IHT Wealth Management LLC, Independent Financial Partners, LPL Financial, and Valic Financial Advisors. Lane owns Bay Area Wealth Management, Inc., an insurance and financial services business operating as a DBA for her Lincoln practice. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

Douglas Krug is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and one year of industry experience. He has previously worked with Mariner Independent Advisor Network and LPL Financial LLC. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and managed account solutions through both proprietary and third-party programs. The firm’s fiduciary-based advisory model incorporates various investment strategies and technology platforms to assist clients in meeting their financial goals.

Tereza Tancau is a financial advisor with Fifth Third Securities, Inc. in Wesley Chapel, FL, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She has been with Fifth Third Securities since 2013 and affiliated with Fifth Third Bank since 2005. Fifth Third Securities provides brokerage and investment advisory services to individuals, charitable organizations, corporate 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 wholly owned subsidiary of Fifth Third Bank.

Colin Denney is a CFP® with three years of industry experience, currently serving as a financial advisor at Lincoln Investment. He has previously worked at Stewardship Advisory Group and Capital Analysts. Denney is also involved in managing insurance business activities through Florida Educators Insurance LLC and West Coast Capital Advisors LLC. Lincoln Investment Planning, LLC is a large enterprise firm that serves a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Larry Bryant is a financial advisor with Principal Financial Services in Tampa, FL, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 41 years of industry experience, including over four decades at Principal Securities INC and running L Bryant Financial Services since 2015. Outside of advisory work, he sells and services group health policies through various carriers. Principal Securities provides brokerage and registered investment advisory services to a broad client base that includes individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. 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.

Michael Simon is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 license and 10 years of industry experience. He has worked at T. Rowe Price across multiple periods since 2014, including his current role beginning in 2022, and has also held positions at Raymond James Financial Services and Morgan Stanley. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households focusing on retirement goals through a program that includes online planning tools, annual reviews, and model portfolio allocations.

Erik Stad is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Valic Financial Advisors since 2016. Valic Financial Advisors, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and technology-driven model solutions.

Paul Carpentier is a financial advisor at PNC Wealth Management with 10 years of industry experience. He holds a Series 66 designation and has worked with PNC Investments and Wells Fargo Clearing. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital portfolio solution for PNC Bank employees. The firm uses algorithm-driven model selection and delegates portfolio implementation to third-party strategists, focusing on mutual funds and ETFs with annual rebalancing.

Kenneth Van Asdonk is a financial advisor with Principal Financial Services, holding a Series 66 designation and four years of industry experience. His career includes roles at One Source Advisory, Principal Life Insurance Company, Principal Securities Inc, and Citigroup. Outside of his advisory work, he serves as a soccer referee for youth games in his local community. 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, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Drew Nickle is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at BB&T Bank and its affiliated entities before joining Truist Advisory Services in 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary management with third-party platform partnerships and uses AI-enhanced research to support its investment decisions.

Preston Washington is a financial advisor at Fifth Third Securities, Inc. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior work includes positions at Eastern Funding LLC, Citigroup, and City National Bank, along with roles outside finance such as at Ruth's Chris Steakhouse. Fifth Third Securities, Inc. serves a diverse clientele including individual, high-net-worth, and institutional clients through both investment advisory and brokerage services. The firm offers multiple program types and uses third-party portfolio managers on its Passageway platform, providing a range of investment options from mutual funds and ETFs to separately managed accounts and direct indexing.

Ellen Brandt is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has been with Transamerica Financial Advisors since 2009 and is also the owner of two Etsy shops, EllenRobin Designs, LLC and Robin Brandt Etsy Shop, where she creates print-on-demand and handmade merchandise as a weekend hobby. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs, operating as both a registered broker-dealer and a registered investment advisor.

Stephen Davis is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Valic Financial Advisors since 2003 and also serves as an assistant wrestling coach at JW Mitchell High School. Outside of his advisory role, he works as a delivery driver during holidays. Valic Financial Advisors primarily serves U.S.-based 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, and brokerage services, utilizing Envestnet-developed UMA models with optional tax and ESG overlay services.

Sean Calleja is a financial advisor with Lincoln Investment in Land O Lakes, FL, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Valic Financial Advisors and Agia. Calleja is also a managing member of an LLC formed with family members to manage a residential rental property. Lincoln Investment is a large enterprise firm serving a diverse client base including individual investors, high-net-worth clients, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Ted Albrecht is a CFP®-designated financial advisor with 26 years of industry experience, currently serving at Hightower Advisors in Tampa, FL. His prior roles include positions at LPL Financial, JP Morgan Securities, and Journey Strategic Wealth. Outside of his primary advisory work, he is involved with MDL Wealth Management in Tampa. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach includes manager selection and multi-manager solutions utilizing both affiliated and third-party managers, with offerings spanning discretionary portfolio management, financial planning, and retirement consulting.