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.

John Heinrich is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with SunTrust Advisory Services and SunTrust Investment Services since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and an internal investment oversight team.

Robert Banks is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Raymond James and T. Rowe Price. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary approaches, supported by internal standards and oversight committees.

Isabella Adlouni is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She has worked at Citigroup since 2019, following positions at Raymond James & Associates and Leumi Investment Services Inc. Adlouni holds a Series 66 license. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains notable in-house research and security-pricing capabilities alongside unique market roles such as swap dealer and futures commission merchant.

Taylor Escher is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup since 2023. Prior to that, he was employed at Raymond James Financial Services Advisors and T. Rowe Price. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and operates with a combination of large institutional scale and specialized market roles, including in-house research and derivatives services.

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.

Neetul Sharma is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 66, Series 65, and Series 63 designations. Prior to joining Citigroup in 2020, Neetul worked at Capital One Advisors LLC and Capital One Investing, LLC from 2016 to 2020, as well as at Spire Wealth Management and Equitable Advisors earlier in his career. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs, supported by internal standards and oversight committees.

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.

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.

Dylan Allen is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked with the Florida Baseball Ranch and Polk County Public Schools. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Richard Trasport Jr. is a financial advisor with LPL Financial in Lakeland, FL, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and previously worked at Cetera Advisor Networks and VOYA Financial Advisors, as well as operating his own advisory business for over 30 years. Trasport is also commissioned as a notary in Florida and acts as a fiduciary for a family revocable trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary and third-party investment strategies.

Alejandro Gonzalez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo and Cetera Investment. He is currently based in Wesley Chapel, FL. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.