Bryan Velasco is a financial advisor with Empower Advisory Group based in Winter Springs, FL. He holds Series 63 and Series 65 designations and has eight years of industry experience. His prior roles include positions at Robinhood Financial, U.S. Bancorp Investments, Bank of New York Mellon, and GWN Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Brian Dost is a CFP® professional with 23 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2015. His prior roles include positions at Charles Schwab & Co., TD Ameritrade, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance. The firm’s approach includes oversight of mutual funds, ETFs, separately managed accounts, and alternative investments, with trades executed only upon client authorization.

Evan Luchs is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Charles Schwab since 2021, with prior experience at Aflac and LSQ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, while trades require client authorization.

Philip Hallford is a CFP® credentialed advisor with 26 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab & Co., Inc. since 2003. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is guided by Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations while requiring client authorization for trades.

Kevin Murphy is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He has been with Charles Schwab in various capacities since 1999 and joined Schwab Wealth Advisory in 2012. Outside of his advisory role, he is a Class A member of Tiger Bay Farms, LLC, which manages a tree farm in the Tiger Bay State Forest. 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 approach includes guidance on asset allocation and investment selection using Schwab’s proprietary research and models, with at-least-annual reviews tailored to clients’ goals and risk tolerance.

Michael Cline is a financial advisor at Schwab Wealth Advisory with 17 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory Inc. since 2012, as well as with Charles Schwab & Co., Inc. since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach uses standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance and requires client authorization for trades.

Victor Alarcon is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Charles Schwab & Co., Inc., Starbucks, and TSF Sportswear. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm offers guidance on asset allocation and investment selection using Charles Schwab’s asset-allocation models and internal research tools, with trades executed only upon client authorization.

Quienton Reynolds is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and its affiliates since 2008. Outside of his advisory role, he is involved in a family moving business based in St. Petersburg, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program, using Charles Schwab’s proprietary asset-allocation models and internal research tools. The firm offers tailored recommendations but does not exercise discretionary trading authority.

Todd Healy is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Outside of his advisory role, Healy serves as an assistant baseball coach at Lake Brantley High School. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to guide asset allocation and investment selection, with trades executed only upon client authorization.

Judah Ben Ernst is a financial advisor with Planmember Securities Corporation, holding a Series 66 credential and 18 years of industry experience. He is involved with multiple business ventures, including serving as president of Ernst & Associates Inc and working with Bencor, Inc., a 401(a) plan provider. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive while offering education and support services to plan sponsors and participants.

Mehdey Baker is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab & Co., Schwab Wealth Advisory Inc., Merit Financial Group, LPL Financial, Bank of America, Merrill, and New York Life Insurance Company. Outside of his advisory work, he owns Fluffy Tech Labs LLC, a company that involves collaboration with independent artists and software professionals. Schwab Wealth Advisory serves clients 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 advice is based on Schwab’s asset allocation models and internal research tools, with trade execution only upon client authorization and an emphasis on tailored recommendations consistent with clients’ goals and risk tolerance.

Luz Hernandez Fortis is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. She has previously worked at Merrill Lynch, Bank of America, and BBVA Compass. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Michael Stephenson is a financial advisor at Planmember Securities Corporation with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including US Employee Benefits Service Group, FRS Partner, and Bencor Retirement Consultants. Outside of his advisory work, he operates a photography business, selling photographs at art and craft shows. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services such as seminars and personalized retirement planning.

Anibal Martinez Rodriguez is a CFP® and ChFC® credentialed financial advisor with 25 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2020, with prior roles at Citibank and Citi International Financial Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and research tools developed by Charles Schwab & Co.

Zhujun Yang Porter is a CFP® professional with 17 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has been with Charles Schwab and its affiliated entities since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, utilizing Charles Schwab’s asset-allocation models and research tools. The firm emphasizes client authorization for trades and conducts reviews tailored to individual goals and risk tolerance.

Cynthia Paul is a financial advisor at Schwab Wealth Advisory with 36 years of industry experience. She holds a Series 63 designation and has been with Charles Schwab since 1993, including 11 years at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, with an emphasis on tailored recommendations and annual reviews.

Robert Oglesby is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Schwab Wealth Advisory, Edward Jones, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection based on Schwab’s standard models and research tools, with client-approved trade execution and at-least-annual portfolio reviews.

Lauren Fonseca is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2014, including three years specifically with Schwab Wealth Advisory. Outside of advising, she is a licensed attorney in Florida and serves as a registered agent for two restaurant businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research to offer tailored guidance on investments and wealth management, with trades executed only upon client authorization.

Joseph Avallone is a financial advisor with Planmember Securities Corporation who holds Series 63 and Series 65 designations and has 33 years of industry experience. He has held multiple roles since 1989, including president of Retirement Planning Associates, Inc., and is actively involved in youth soccer organizations as a coach and director. Avallone also serves on the Seminole County Value Adjustment Board. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options. The firm’s investment process emphasizes strategic asset allocation and risk-based mutual-fund portfolios, supported by education and support services for plan sponsors and participants.

Ethan Heard is a financial advisor with Ameritas Advisory Services, LLC, holding Series 65 and Series 63 licenses and seven years of industry experience. He has worked at Ameritas since 2019 across several affiliated entities and is currently a partner at Iron Horse Offroad Builders, where he manages a mechanic shop and its social media presence. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses, offering asset management and financial consulting through a variety of program platforms and investment options.