Guadalupe Ponciano is a financial advisor with Primerica Advisors, 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. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading to BNY Mellon Advisors, focusing on percentage-based tiered fees and ongoing oversight of potential conflicts.

Brian Layman is a financial advisor with Raymond James Financial in Daytona Beach, FL, holding Series 63 and Series 65 designations and 29 years of industry experience. He has been with Raymond James and its affiliated entities since 2005. Outside of his advisory role, he owns several small businesses, including Agility Wealth Management and BLWM LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing firm research and various account structures to tailor recommendations while leaving final decision authority with clients.

Laura Burgos is a financial advisor at Cetera with 17 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Cetera and its affiliates since 2017, as well as at Regions Bank and Investors Bank earlier in her career. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and third-party managers.

Danny Waller II is a financial advisor with Wells Fargo Advisors in Ormond Beach, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for over 15 years. Waller also owns and operates DAN WALLER LLC, an investment-related practice based in Port Orange, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with various financial product sales and referral channels.

Brian Colubiale is a financial advisor with Cambridge Investment Research Advisors, holding the Series 63 and Series 66 designations and bringing 27 years of industry experience. His prior experience includes 16 years at Cantella & Co., Inc. In addition to his advisory work, he coaches girls flag football at Daytona State College. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers a range of financial planning and investment management services through a network of independent professionals, providing tailored strategies across multiple platform arrangements.

Casey Clark is a financial advisor at Ameriprise with 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005 and holds a Series 66 designation. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations, supported by a centralized consulting team and algorithmic automation.

Dean Howard is a financial advisor with Morgan Stanley in Port Orange, FL, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has worked with Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning and utilizes structured planning tools and modeling techniques to support client goals.

Robert Alonzo is a financial advisor with Edward Jones in New Smyrna Beach, FL, holding Series 63 and Series 66 designations and 28 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1998. Outside of his advisory role, he owns and manages commercial rental properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of investment and advisory services. The firm manages approximately $1.01 trillion in assets and maintains a large network of financial advisors and branch offices nationwide.

Matthew Zuber is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 designations. Prior to his current role since 2017, he worked at PNC Investments and PNC Bank from 2013 to 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services.

Saroj Kasturi is a financial advisor with Ameriprise in Ormond Beach, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, Kasturi is involved in music as a drummer and co-owner of related music studios and record entities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies to deliver personalized recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Debra Stephens is a financial advisor at Raymond James & Associates with 35 years of industry experience. She holds Series 65 and Series 63 designations and has been with Raymond James since 1991. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base including individuals, pension plans, corporations, charitable organizations, and government entities, offering non-discretionary planning and a range of affiliated services.

Mary Ann Wilson is a financial advisor at LPL Financial with 28 years of industry experience. She holds the PFS™ designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Cambridge Investment Research Advisors and Avantax Insurance Agency, and she operates M A Wilson, CPA, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial services supported by in-house and third-party research and employs both discretionary and non-discretionary portfolio management strategies.

Christy Sebastian is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds a Series 66 designation and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors, operating alongside affiliated brokerage and investment management capabilities.

James Pennington is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab bank, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade, Inc. He is based in Ormond Beach, Florida. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

David Petracca is a financial advisor with Ameriprise in Ormond Beach, FL, holding a Series 66 designation and 12 years of industry experience. He has previously worked at Bank of America and Merrill. He also serves as a general board member for United Way in Daytona Beach. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, delivering tailored, research-driven recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Susan Frazier is a financial advisor at Morgan Stanley in Ormond Beach, FL, holding a Series 66 designation with four years of industry experience. She previously worked for Southern Title Holding Company for seven years before joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Karrie Harman is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Cambridge Investment Research since 2018. Prior to that, she was with LPL Financial and National Planning Corporation. Harman is also an independent insurance agent in Ormond Beach, Florida. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement services through a network of independent professionals, utilizing proprietary and third-party model strategies across various custody and platform arrangements.

Frank Diego is a financial advisor with Raymond James & Associates in Deland, FL, holding a Series 63 designation and 43 years of industry experience. He has been with Raymond James & Associates since 2006. Outside of his advisory work, he is the proprietor and owner of a research and print ancestry book business based in Ormond Beach, FL. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base that includes individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a notable focus on public finance and municipal work.

Elias Chaikin is a Certified Financial Planner® with 13 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2018. He previously worked at LPL Financial and National Planning Corporation. In addition to his advisory work, he is an enrolled agent preparing tax returns and representing clients in IRS disputes, and also acts as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing a range of portfolio management strategies and platform arrangements tailored to client objectives.

William Grigat Jr. is a CFP® with over 53 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2018. His prior experience includes nearly a decade at National Planning Corporation and a year at LPL Financial. He has also worked as an independent insurance agent since 1983. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning and investment management through a network of independent financial professionals, providing a range of portfolio management and advisory services tailored to client objectives.