Frank Delia is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with SunTrust Advisory Services since 2016 and SunTrust Investment Services, Inc. since 2015. Based in Orlando, FL, his career includes roles focused on investment advisory within the firm’s enterprise platform. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm’s approach combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and integrated inter-affiliate service arrangements.

James Benoit is a CFA® charterholder with 27 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has held roles at Charles Schwab since 1999, with a recent four-year tenure at HighTower Advisors LLC before rejoining Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Alexander Von Svoboda is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at Charles Schwab & Co., Inc. and Associate Investor Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm guides clients on asset allocation and investment selection based on proprietary Schwab models and research, with trades executed only upon client authorization.

Chase Hill is a CFP® with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior experience includes roles at Charles Schwab and positions outside the financial industry, such as at VIP Valet, Parking & Shuttle Services of Orlando, and involvement with the Sea Turtle Conservancy, Inc. Schwab Wealth Advisory 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 while maintaining client authorization for all trades.

Colin Boyle is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Robinhood Markets, Broadridge Financial Solutions, and Charles Schwab. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on asset-allocation models and internal research tools.

Kristen Rainone is a financial advisor with CWM, LLC based in Oakland, Florida. She holds the Series 63, 65, and 66 designations and has 18 years of industry experience. Her work history includes roles at Carson Wealth, Cetera Advisor Networks, LPL Financial, TD Ameritrade, Charles Schwab, and Fidelity. She is also commissioned as a notary. CWM, LLC serves a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions. The firm provides portfolio management, financial planning, and retirement plan services, using discretionary account management with model portfolios overseen by an internal Investment Committee.

Jennifer Cuprill is a Series 66-licensed financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and has worked at Charles Schwab & Co., Inc. since 2010, following an earlier role at Ameriprise. 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-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor annual recommendations based on clients’ goals and risk tolerance.

Melvin Duran is a Series 66-licensed advisor at Schwab Wealth Advisory with one year of industry experience. His prior roles include positions at Charles Schwab & Co., Navy Federal Credit Union, TEKsystems, and Evermay Wealth Management LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Demian Wolters is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 designations and possessing 24 years of industry experience. His career includes roles at SunTrust Advisory Services and Truist Investment Services prior to joining Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering fiduciary services, plan design, compliance testing, and access to multiple management platforms and third-party solutions. The firm serves a broad client base including large institutional investors and sovereign wealth funds, managing approximately $79.8 billion in assets.

Bahtjar Rexha is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 designation and one year of industry experience. His prior work includes roles at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc., as well as experience in the food service and lubrication industries. Rexha is also appointed as an insurance agent, authorized to write Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary and non-discretionary investment management and retirement plan consulting. The firm combines fundamental, technical, and cyclical analysis to create tailored portfolios aligned with clients’ goals, risk tolerances, and time horizons.

Micah Hill is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2021, having previously worked at Charles Schwab Bank and TD Ameritrade. Outside of his advisory role, he is the author of a book titled *Artificial Intelligence: A Vision of the Future*, which he publishes and sells independently. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, focusing on asset allocation and investment selection guided by proprietary research tools. The firm serves a broad client base and operates with distinct compliance and operational practices related to its affiliation with Charles Schwab & Co. and related entities.

Windel Taylor is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2017, with additional experience at Verizon and WFGIA. He is also involved with La Amistad Foundation, Inc. d/b/a Lakewood Center. Transamerica Financial Advisors serves a broad client base, including individual investors, pension plans, trusts, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios with both discretionary and non-discretionary management options.

Santiago Santana is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and was previously employed by Charles Schwab & Co., Inc. Outside of his advisory role, he operates a small vehicle rental business through the Turo app. 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’s guidance is based on proprietary asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

Avilio Sutherland Navea is a financial advisor at Mercer Global Advisors Inc. with Series 63, 65, and 66 licenses and one year of industry experience. His prior roles include positions at Eminence Wealth Management Inc. and Strong Point Financial. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of advisory services including investment management, financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, and other investment vehicles.

Robert Barth is a Series 65-licensed advisor at Schwab Wealth Advisory Inc. with nine years of industry experience. He has been with Schwab Wealth Advisory since 2017 and previously worked at Pathfinder Business Strategies from 2012 to 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research, with investment recommendations tailored to client goals and risk tolerance.

Michael Bordenave is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and three years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2025, he worked at Merrill for six years and USALLIANCE Financial Credit Union for two years. 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’s advice is based on proprietary asset-allocation models and research, offering tailored recommendations without exercising discretionary trading authority.

Nikola Nikolic is a Series 66-registered financial advisor with Schwab Wealth Advisory in Orlando, FL, with eight years of industry experience. He has been with Charles Schwab since 2016 and with Schwab Wealth Advisory since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Christene Maskal is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2014. She has been with Charles Schwab since 2010. She serves on the Parks and Recreation Advisory Board for the City of Lake Mary in a voluntary, non-compensated role. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals, utilizing Charles Schwab’s proprietary asset-allocation models and research tools. The firm emphasizes tailored recommendations based on clients’ goals and risk tolerance, with trades executed only upon client authorization.

Kalonji Morrison is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2016, following prior roles at United Brokerage Services, Uvest Financial Services Group, and Morgan Stanley Dw Inc. Morrison is also involved in advising the startup efforts of a physical therapy practice where he serves as vice president. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on internal research and asset-allocation models, with client-authorized trades and tailored recommendations reviewed at least annually.

Cullen Kline is a financial advisor at Truist Advisory Services with Series 63 and Series 66 credentials. He has been in the industry since 2026 and has experience at multiple firms including Creative Financial Network and Northwestern Mutual Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary approaches with support from third-party platforms and manager due diligence.