Ryan Morrison is a CFP® and ChFC® with 20 years of industry experience. He is currently with Empower Advisory Group and Empower Financial Services, having joined in 2023. His prior experience includes roles at Fisher Investments, TD Ameritrade Investment Management, Td Ameritrade, Inc., and Scottrade, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients, using an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm offers point-in-time financial plans and optional managed account solutions within plan lineups selected by plan sponsors.

Brendan Flannery is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management, utilizing proprietary mutual funds and ETFs. The firm serves individual investors and households, providing point-in-time financial plans and ongoing portfolio management tailored to retirement goals.

Andres Cartaya is a financial advisor at Truist Advisory Services with four years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Mutual of Omaha and Truist Investment Services. Outside of his advisory role, he is involved in a valet parking business in Tampa, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships and third-party platforms.

James Anna is a financial advisor at Lincoln Investment with a CFP® designation and over 31 years of industry experience. Prior to joining Lincoln Investment in 2017, he worked for 22 years at Legend Equities Corporation. He is also involved in the sale of life insurance, fixed annuities, long-term care, and health insurance. Lincoln Investment Planning, LLC serves a diverse range of clients including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a particular focus on educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management through advisor-led and firm-managed models, access to third-party managers, and operates with both wrap and non-wrap platform options.

Richard Decker is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Principal Financial Services and has previously worked at firms including LPL Financial LLC, Raymond James, USAA IMCO, Darwin Wealth Management, and Trustmont Advisory Group. Principal Securities provides brokerage and registered investment advisory services to a diverse client base that includes individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm’s advisory offerings include direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Meghan Leonard is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. Her prior roles include positions at Pioneer Investment Management USA Inc. and American General Life Insurance. She is based in Land O Lakes, Florida. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Beau Mankin is a financial advisor with Private Advisor Group, LLC, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2017, and previously held positions at Fifth Third Securities and Fifth Third Bank. Additionally, Mankin is involved in Latitude Capital LLC, a home-based business entity used for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement consulting. The firm employs a fiduciary-based advisory model, incorporating technology platforms and various investment strategies, often implementing advice through third-party managers and turnkey asset management programs.

Steven Marcano is a CFP® professional with 19 years of industry experience. He has worked at T. Rowe Price Investment Services, Inc. for 18 years before joining Schwab Wealth Advisory in 2025. He holds the Series 63 and Series 66 licenses and is based in Land O Lakes, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standardized asset-allocation models and internal research tools to offer guidance tailored to clients’ goals and risk tolerance, while trade execution requires client authorization.

Rafael Miranda is a financial advisor with Truist Advisory Services and holds the Series 66 designation. He has been in the financial services industry since 2016, including ten years at Truist Bank before joining Truist Advisory Services in 2026. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, and fiduciary support, implementing advice through a mix of discretionary and non-discretionary manager relationships supported by an AI-enabled Equity Research team and supervisory oversight.

Steven Paris is a CFP® with 26 years of industry experience. He is currently affiliated with Hightower Advisors and has previously worked at USAA Financial Advisors, Usaa Investment Management Company, Frontier Investment Management Co., and Mutual Service Corporation. He is based in Dade City, FL. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors such as pension plans, charitable organizations, and corporations. The firm’s approach emphasizes manager selection and multi-manager solutions, using both affiliated and third-party managers, with a focus on discretionary and non-discretionary portfolio management and financial planning.

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.

George Holecsko is a CFP® and ChFC® with 18 years of industry experience. He currently works at Schwab Wealth Advisory Inc and has held various roles within Charles Schwab entities and USAA financial planning services. His career also includes a lengthy tenure at Dominos. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach uses Charles Schwab’s asset-allocation models and internal research tools, delivering tailored investment recommendations without exercising discretionary trading authority.

Paul Bullara III is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 42 years of industry experience. He has previously worked with firms including Penn Mutual Life Insurance Company, Guardian Life, and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance brokerage activities, serving in leadership positions focused on the sales and training of life and health insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and a FINRA-member broker-dealer, offering custody, execution, and brokerage services alongside investment advice.

Robert Mathisen Jr. is an advisor with Lincoln Investment holding Series 63 and Series 65 licenses. He has prior experience at Citibank and BNY Mellon totaling 28 years. Mathisen serves as a board member of Champions for Children, a nonprofit focused on preventing child abuse. Lincoln Investment Planning, LLC is an enterprise firm serving a broad client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a history of supporting educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management through various model portfolios and third-party managers.

Kevin Arquette is a CFP® with 22 years of industry experience, currently affiliated with Commonwealth Financial Network in Lutz, FL. He has worked at Commonwealth and Wealthpoint Financial Planning since 2022 and previously spent nine years with The Harwood Insurance Group and Harwood Advisory Group. In addition to his advisory work, he spends part of his time conducting fixed insurance sales. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, compliance, and practice-management support to affiliated advisors.

John Crager is a financial advisor with Lincoln Investment in Land O Lakes, FL, holding Series 63 and Series 65 licenses and 11 years of industry experience. Before joining Lincoln Investment in 2025, he spent 10 years with Horace Mann Insurance and Horace Mann Investors, Inc. He is the owner and president of Suncoast Insurance LLC, which specializes in property and casualty insurance sales and service. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a longstanding focus on educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management using model portfolios, third-party managers, and various platform options.

Darius Harrison is a financial advisor at Truist Advisory Services with 10 years of industry experience. He holds the Series 66 designation and has worked at several firms, including Raymond James Financial Services, Cetera, and SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform and manager arrangements, to deliver its investment solutions.

Barry Flagg is a CFP® and ChFC® credentialed advisor with 36 years of industry experience. He is registered with Kestra Advisory and Kestra Investment Services since 2016 and has been associated with Moore Thomas since 1986. Outside of his advisory role, Flagg is involved in speaking engagements on life insurance portfolio evaluation and manages Triangulum Financial Partners, focusing on client advising related to life insurance. He is also the founder and president of THEInsuranceAdvisor.COM, a life insurance research publisher, and contributes to curriculum development and ethics guidance related to life insurance for professional organizations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering fiduciary consulting, plan design, employee education, and access to multiple management platforms. The firm serves very large institutional investors, including sovereign wealth funds, and supports discretionary and non-discretionary services with due diligence on recommended investments.

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.

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.