Todd Healy is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Outside of his advisory role, Healy serves as an assistant baseball coach at Lake Brantley High School. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to guide asset allocation and investment selection, with trades executed only upon client authorization.

Judah Ben Ernst is a financial advisor with Planmember Securities Corporation, holding a Series 66 credential and 18 years of industry experience. He is involved with multiple business ventures, including serving as president of Ernst & Associates Inc and working with Bencor, Inc., a 401(a) plan provider. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive while offering education and support services to plan sponsors and participants.

Mehdey Baker is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab & Co., Schwab Wealth Advisory Inc., Merit Financial Group, LPL Financial, Bank of America, Merrill, and New York Life Insurance Company. Outside of his advisory work, he owns Fluffy Tech Labs LLC, a company that involves collaboration with independent artists and software professionals. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Schwab’s asset allocation models and internal research tools, with trade execution only upon client authorization and an emphasis on tailored recommendations consistent with clients’ goals and risk tolerance.

Luz Hernandez Fortis is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. She has previously worked at Merrill Lynch, Bank of America, and BBVA Compass. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Michael Stephenson is a financial advisor at Planmember Securities Corporation with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including US Employee Benefits Service Group, FRS Partner, and Bencor Retirement Consultants. Outside of his advisory work, he operates a photography business, selling photographs at art and craft shows. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services such as seminars and personalized retirement planning.

Anibal Martinez Rodriguez is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding CFP® and ChFC® designations along with Series 65 and 66 licenses. He has 25 years of industry experience, including roles at Citi International Financial Services and Citibank prior to joining Schwab in 2020. He owns a former residence in Puerto Rico that is currently rented. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Zhujun Yang Porter is a CFP®-certified financial advisor with Schwab Wealth Advisory, bringing 16 years of industry experience. She has been associated with Charles Schwab since 2008 and has worked at Schwab Wealth Advisory Inc. since 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to deliver tailored advice, with trades executed only upon client authorization.

Cynthia Paul is a financial advisor at Schwab Wealth Advisory with 36 years of industry experience. She holds a Series 63 designation and has been with Charles Schwab since 1993, including 11 years at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, with an emphasis on tailored recommendations and annual reviews.

Robert Oglesby is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Schwab Wealth Advisory, Edward Jones, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection based on Schwab’s standard models and research tools, with client-approved trade execution and at-least-annual portfolio reviews.

Lauren Fonseca is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2014, including three years specifically with Schwab Wealth Advisory. Outside of advising, she is a licensed attorney in Florida and serves as a registered agent for two restaurant businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research to offer tailored guidance on investments and wealth management, with trades executed only upon client authorization.

Joseph Avallone is a financial advisor with Planmember Securities Corporation who holds Series 63 and Series 65 designations and has 33 years of industry experience. He has held multiple roles since 1989, including president of Retirement Planning Associates, Inc., and is actively involved in youth soccer organizations as a coach and director. Avallone also serves on the Seminole County Value Adjustment Board. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options. The firm’s investment process emphasizes strategic asset allocation and risk-based mutual-fund portfolios, supported by education and support services for plan sponsors and participants.

Ethan Heard is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Ameritas Advisory Services since 2021 and operates his own firm, Ethan T. Heard and Co. LLC. Outside of finance, Ethan is a partner at Iron Horse Offroad Builders, a mechanic shop where he is involved in vehicle work and managing the business's social media presence. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of portfolio management options using model portfolios, mutual funds, ETFs, and individual securities, supported by various program platforms and third-party technology.

Paul Henderson is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL. He holds Series 63, Series 65, and Series 66 licenses and has 22 years of industry experience. Prior to joining Eagle Strategies and New York Life Insurance Company, he held positions at ABC Fine Wine and Spirits and Toyota of Orlando. In addition to his advisory work, he was involved in a real estate venture focused on buying, rehabbing, and selling foreclosed single-family homes. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients. The firm offers a range of advisory services such as financial planning, investment management, and retirement-plan consulting, emphasizing tailored solutions and managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jason Lesko is a financial advisor at Schwab Wealth Advisory with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and affiliated entities since 1996, including ten years at Schwab Wealth Advisory. 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’s approach utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver tailored recommendations with client authorization required for all trades.

Mark Miller is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. He has been with Charles Schwab since 1999 and with Schwab Wealth Advisory since 2012. 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 uses Charles Schwab’s proprietary asset-allocation models and research tools to offer guidance tailored to clients' goals and risk tolerance, with trades executed only upon client authorization.

Christopher Rich is a financial advisor at Eagle Strategies (NY Life) with 16 years of industry experience. He holds the ChFC® designation and Series 63 license. His career includes roles at Nylife Securities LLC and New York Life Insurance Co since 2009. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated advisers. The firm offers a variety of program types, emphasizing tailored recommendations and managing the majority of assets on a non-discretionary basis.

Eugenia Hernandez Monteverde is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL. She holds Series 63 and Series 66 licenses and has 11 years of industry experience. Her prior work includes roles at Nylife Securities LLC and New York Life Insurance Co, where she has been employed since 2014. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, with the majority of assets managed on a non-discretionary basis.

Matthew Murphy is a CFP® professional with 23 years of industry experience. He is currently affiliated with Commonwealth Financial Network and Murphy Financial, LLC. His prior experience includes roles at Fidelity Investments and Certified Insurance Corp. He is also the owner of Benetas Wealth, LLC, a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs, wealth management, and retirement plan consulting services. The firm supports affiliated advisors with operations, trading, technology, compliance, and practice-management resources while offering discretionary model portfolios and multiple program structures.

Shane Donahue is a financial advisor at Schwab Wealth Advisory with 15 years of industry experience. He holds the Series 66 designation and has worked at Schwab Wealth Advisory since 2017, with prior experience at Charles Schwab and Jackson Wealth Management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and select referrals, using Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations reviewed at least annually.

Lillian Ramirez is a financial advisor at Schwab Wealth Advisory Inc. with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliates since 2000. 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 Schwab's asset-allocation models and research tools.