James Ledbetter is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 22 years. Ledbetter is involved in leadership and administration through Peniel Reflection, LLC, a company supporting Ameriprise franchises, and participates in the Ameriprise Christian Franchise Advisor Network. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Cryan is a financial advisor with Cetera, holding CFP® and Series 63 designations and bringing 34 years of industry experience. He previously worked for Avantax Advisory Services and Avantax Investment Services, totaling over 30 years at those firms. Outside of advising, he operates an accounting and bookkeeping business under his CPA license. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering diverse portfolio management and financial planning services through a large network of independent advisors.

Ryan Reynolds is a financial advisor with J.P. Morgan Securities in Punta Gorda, FL, holding Series 63 and Series 65 credentials. He has 18 years of industry experience, including roles at Merrill, Wells Fargo Clearing, and Allstate Financial Advisors. Reynolds has been with various J.P. Morgan entities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Robert Crouch is the sole advisor at Crouch Investment Group, Inc., an independent registered investment adviser based in Port Charlotte, FL. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 25 years of experience in the financial industry. He has been with Crouch Investment Group since 2003. Crouch Investment Group provides portfolio management and financial planning services exclusively to individual clients, managing approximately $11.5 million for a small client base of 12 households. The firm operates with a highly concentrated and personalized approach, with all advisory and compliance responsibilities handled by Robert Crouch himself.