Timothy Ralph is a financial advisor at Merit Financial Advisors with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Stone Creek Capital Management LLC and Biltmore Capital Advisors. Outside of his advisory role, he is a managing member of Bearcat Aviation, LLC, an aircraft holding company. Merit Financial Group, LLC manages approximately $10.6 billion and serves a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable modular sleeves overseen by a central investment team.

Vien Tran is a Wealth Management Advisor with Meridian Wealth Management, LLC and holds a Series 65 credential. He has nine years of industry experience and is also the owner and Investment Advisor Representative at SAT Financial Advisors Inc., where he has worked since 2016. Tran is based in Palm Beach Gardens, Florida. Meridian Wealth Management serves individuals, pension and profit-sharing plans, charitable organizations, and corporate entities, providing discretionary portfolio management, financial planning, and retirement-plan services. The firm emphasizes IPS-driven, tailored advice and manages most client relationships on a discretionary basis using a range of investment strategies.

James Bailey is a financial advisor at Wedbush Securities Inc. with 34 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves on the Sportsmanship Committee of the Loveladies Tennis Club in New Jersey. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering both brokerage and SEC-registered advisory services. The firm combines broker-dealer and capital markets functions with clearing, custody, and prime services, managing approximately $5.68 billion in regulatory assets.

David Hannay is a CFP® professional with 16 years of industry experience. He has been with Gladstone Wealth Partners since 2017, following seven years at Henry & Hannay Wealth Management. Outside of advisory services, he operates Hannay Financial Services, LLC, providing tax return preparation for individuals, partnerships, and S corporations. Gladstone Wealth Partners serves individuals, corporations, pension and profit-sharing plans, and charitable organizations through a network of nearly 100 investment adviser representatives. The firm offers discretionary portfolio management, financial planning, retirement plan consulting, and access to various investment solutions, with an emphasis on retirement-plan service delivery and institutional manager relationships.

Codie Allen is a Series 66-licensed financial advisor at Elevation Point Wealth Partners, LLC with 18 years of industry experience. He previously worked for UBS Financial Services Inc. for 11 years. Outside of his advisory role, he serves as Treasurer and Board Member of the Kingdom Training Foundation, overseeing its budget and fund use. Elevation Point Wealth Partners is a multi-team investment adviser managing approximately $8.29 billion in assets across 53 advisors. The firm serves a range of clients including individuals, retirement plans, and corporations, utilizing model portfolios with tactical asset allocation and incorporating third-party managers as part of its investment approach.

Charles Massie is a CFP® and Series 66 licensed advisor with 22 years of industry experience. He is currently with Blackridge Asset Management, LLC, where he has worked since 2019. Prior to this, he spent 15 years at Park Avenue Securities and over two decades in roles including Guardian Life Insurance Company. Outside of advisory, he is president of Charles Abels Massie, CPA, PA, an accounting firm specializing in tax preparation, and also leads Massie & Associates Financial Planning Group. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations through a network of investment adviser representatives. The firm uses model portfolios, third-party managers, and an online platform to deliver tailored financial planning and estate-planning support.

Nicole Cavalcante is a financial advisor with Madison Avenue Securities, LLC, holding a Series 66 designation and one year of industry experience. She has worked at LPL Financial LLC and Legacy Financial Partners LLC, where she also serves as Director of Operations for Legacy Advisors Partners, LLC, a financial management firm. Madison Avenue Securities provides investment advisory and brokerage services to individual and high-net-worth clients, as well as pension consulting and services for charitable institutions. The firm manages approximately $2.0 billion across about 14,000 clients through multiple advisory programs and offers both discretionary and non-discretionary portfolio management.

Paul Blatz is a CFA® charterholder with nine years of industry experience. He currently serves at Certuity, LLC and previously worked at Finemark Bank & Trust and GenSpring Family Offices, LLC. Certuity, LLC manages approximately $3.30 billion and provides investment advisory, financial planning, family office, and consulting services to high- and ultra-high-net-worth clients, private foundations, endowments, and pooled investment vehicles. The firm employs a long-term, buy-and-hold investment approach integrating fundamental and quantitative analysis, asset allocation, and diversification, while also offering OCIO and access to private markets through differentiated fund structures.

Chloe Sandler is a CFP® and holds a Series 65 license, with three years of industry experience. She is currently with Certuity, LLC and previously worked at Camden Capital and J.P. Morgan Asset Management. Certuity serves high- and ultra-high-net-worth families and individuals, as well as private foundations, endowments, family offices, and pooled investment vehicles. The firm offers investment advisory, family office, financial planning, and investment consulting services, emphasizing asset allocation, diversification, and a long-term buy-and-hold approach that combines fundamental and quantitative analysis.

Herbert Friedman is a financial advisor at Portfolio Medics, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Portfolio Medics since 2018. Prior to that, he was with New Century Financial Group LLC and Royal Alliance Associates, INC. from 1994 to 2018. Portfolio Medics is an SEC-registered advisory firm managing approximately $552.7 million for around 3,700 clients through a team of 75 advisors. The firm serves both non-HNW and high-net-worth individuals, offering a blend of strategic and tactical investment approaches, including model portfolios and a mix of passive and active strategies.

Alfred Townsend V is a CFP®-certified financial advisor with 10 years of industry experience, currently with Advisory Services Network since 2021. His prior roles include positions at Regal Investment Advisors and CS Advisors, among others. Outside of advisory work, he is an independent insurance agent focusing on life insurance, annuities, and long-term care insurance. Advisory Services Network is an enterprise firm with over 200 independent advisors serving individuals, families, corporations, and charitable organizations. The firm offers portfolio management, financial planning, and retirement-plan consulting, managing approximately $8.6 billion in client assets through a variety of investment and advisory strategies.

Berton Brown is a Series 66-registered financial advisor with 18 years of industry experience. He is currently with CreativeOne Wealth, LLC and has previously worked at Gladstone Wealth Partners and Primoris Wealth Advisors. Outside of advisory roles, he owns a wellness franchise, OsteoStrong, LLC, and is involved with Health Meets Wealth Insurance, selling insurance-related products and referring business to his advisory firm. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, and retirement consulting services to individuals, corporations, and charitable organizations, utilizing a platform that incorporates proprietary ETF-based models, third-party managers, and option strategies.

Stephanie Dunbar is a CFP® and holds a Series 65 license with four years of industry experience. She is currently with Dakota Wealth, LLC and previously worked at Hightower Advisors, Vigilant Wealth Management, and Perspecta Trust. Dakota Wealth Management provides investment advisory and wealth management services to individuals, trusts, retirement plans, foundations, charitable organizations, business enterprises, pooled investment vehicles, and registered investment companies. The firm constructs customized portfolios using diversified allocations and employs a research process that combines fundamental, technical, cyclical, and charting analysis.

Douglas Swenson is a financial advisor with SVB Wealth, holding Series 63 and Series 65 designations and bringing 17 years of industry experience. He has worked at BP Wealth Management, LLC since 2014 and Banyan Partners, LLC since 2011. Outside of finance, he is a certified arborist involved in commercial landscaping and tree farming, and he also participates in identity theft recovery and marketing through a separate business. SVB Wealth serves individuals, trusts, estates, retirement plans, charitable organizations, and corporate clients with wealth management, financial planning, and retirement advisory services. The firm utilizes both affiliated and third-party managers, employing fundamental, quantitative, and technical analysis overseen by an Investment Committee, and operates as a wholly owned, non-bank subsidiary of First-Citizens Bank & Trust Company.

Vinessa Siano is a financial advisor at Merit Financial Advisors with 10 years of industry experience. She holds Series 66, Series 65, and Series 63 licenses. Her prior roles include positions at Ameriprise and Catholic Charities Diocese of Palm Beach. Merit Financial Advisors is a multi-team registered investment adviser with over 260 advisors serving more than 20,000 clients. The firm offers coordinated wealth-management services and employs a long-term, diversified investment approach supported by an internal Investment Management team and Investment Committee.

Kristen Smigelski is a CFP® with 10 years of industry experience, currently affiliated with Regal Investment Advisors LLC in Palm Beach Gardens, FL. Her prior experience includes roles at Regulus Financial Group, Questar Asset Management, and RB Financial Advisors. Regal Investment Advisors LLC, operating as LionShare, provides discretionary investment management through independent advisers to a diverse client base including individuals, charitable organizations, and businesses. The firm offers a range of proprietary and third-party model portfolios, granting advisers the ability to select and manage allocations with discretionary authority.

Sean Coffey is a financial advisor with Blackridge Asset Management, LLC, holding Series 65 and Series 63 licenses and having five years of industry experience. He has worked at Thurston Springer Financial and Peak Brokerage Services, where he also serves as Operations Manager. Coffey’s background includes roles at Florida Atlantic University and Florida State University. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations through a network of investment adviser representatives. The firm uses model-based portfolio management delivered via an online platform and offers access to multiple wrap-fee programs and third-party money managers.

Alan Morris is a financial advisor with Advisory Services Network holding a Series 66 designation and 14 years of industry experience. He has worked at Crown Capital Securities, LP, Calton & Associates, Inc., and has been with Advisory Services Network since 2023. Outside of his advisory work, Morris is president of Topline Printing & Graphics, Inc., a printing and marketing company, and serves as an instructor for American Financial Education Services. Advisory Services Network serves individuals, families, corporations, charitable organizations, and employer retirement plans through a network of over 200 independent advisers. The firm offers portfolio management, financial planning, investment and retirement-plan consulting, and third-party manager selection, managing approximately $8.6 billion in client assets.

Robert Layton is a financial advisor with GWN Securities Inc. in Palm Beach Gardens, FL, holding Series 63, 65, and 66 licenses and possessing 21 years of industry experience. His prior roles include positions at several firms such as Avanti Securities, Ocean Financial Services, and Allaria Securities LLC. GWN Securities offers investment advisory services to individual and corporate clients through a variety of managed account programs and financial planning options, utilizing both affiliated and unaffiliated sub-advisers and model-based portfolio allocations. The firm employs strategies based on asset allocation, Modern Portfolio Theory, and incorporates market-timing and momentum approaches within some legacy programs.

Lisa Matthews is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked with Truist and its predecessor firms since 2014. Matthews serves as a board member and director of the East Coast Estate Planning Council. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, and a manager-selection program combining discretionary and non-discretionary approaches, supported by third-party platforms and AI-enhanced research.