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.

Ethan Heard is a financial advisor with Ameritas Advisory Services, LLC, holding Series 65 and Series 63 licenses and seven years of industry experience. He has worked at Ameritas since 2019 across several affiliated entities and is currently a partner at Iron Horse Offroad Builders, where he manages a mechanic shop and its 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, offering asset management and financial consulting through a variety of program platforms and investment options.

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.

James Bernstein is a financial advisor at Eagle Strategies (NY Life) based in Maitland, FL. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to his current role, Bernstein served 13 years with the U.S. Department of Defense. Eagle Strategies serves a diverse client base including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored advice through multiple program types and manages a majority of its assets on a non-discretionary basis.

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.

James Clark is a financial advisor at Private Advisor Group, LLC with 29 years of industry experience. He has held roles at firms including LPL Financial and Independent Financial Partners. Clark holds a Series 63 credential and occasionally sells fixed life insurance and long-term care policies. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based model and utilizes technology platforms along with a range of investment strategies, often implementing advice through third-party managers and turnkey asset management programs.

Anuar Heneide Mondragon is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and Charles Schwab, where he has worked since 2022. His prior experience includes roles at Wells Fargo Bank NA, Wells Fargo Clearing Services, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and CS&Co.-referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with recommendations tailored annually to clients’ goals and risk tolerance.

Melanie Vise is a financial advisor at Schwab Wealth Advisory with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 1997. Based in Orlando, FL, she has worked at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm uses proprietary asset allocation models and internal research tools to tailor recommendations, while client authorization is required for trades.

Michael Lopez is a financial advisor with FIFTH THIRD SECURITIES, Inc. He holds Series 63 and Series 65 licenses and has six years of industry experience. His prior work includes positions at Fifth Third Bank, SunTrust Bank, and TD Bank. Fifth Third Securities, Inc. serves individual and institutional clients through both investment advisory and brokerage channels. The firm offers multiple program types and third-party portfolio managers via the Passageway platform, providing a range of strategies from mutual funds and ETFs to separately managed accounts and direct indexing.

Julian Melendez is a Series 66 licensed financial advisor with 12 years of industry experience, currently serving at Schwab Wealth Advisory since 2021. He has been with Charles Schwab in various advisory roles since 2012. Located in Orlando, FL, his background includes work with Schwab Private Client Investment Advisory from 2017 to 2020. 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 services emphasize asset allocation and investment selection using standardized models and internal research, with recommendations tailored to clients’ goals and risk tolerance.

Chad Groseclose is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory Inc. He has held positions at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and USAA Investment Management Company, among others. Groseclose has been affiliated with Schwab Wealth Advisory since 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance, without exercising discretionary trading authority.

Travis Roy is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, having worked at Charles Schwab since 1997. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach uses standard asset-allocation models and internal research tools, with trades executed only upon client authorization.

James Bass is a CFP®-certified financial advisor with 27 years of industry experience. He has been with Independent Financial Partners since 2018 and has also worked with PrimeQuest Wealth Strategies since 2007. In addition to his advisory work, Bass serves as a consultant for the American Financial Education Alliance, presenting financial educational programs. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform with a decentralized advisory model and is notable for its retirement-plan advisory and pension consulting capabilities.

Darren Clark is a CFP® professional with 12 years of industry experience currently serving at Schwab Wealth Advisory in Orlando, FL. He has been with Schwab Wealth Advisory since 2014 and has been affiliated with Charles Schwab since 2010. 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 utilizes proprietary asset-allocation models and internal research tools to offer tailored advice, with a focus on annual reviews and client-authorized trades.

James Ashbridge is a CFP® professional with 17 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory in Orlando, FL, where he has worked since 2019, previously holding roles at TD Ameritrade Inc. and Aviance Capital Partners LLC. Schwab Wealth Advisory 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, focusing on asset allocation and investment selection guided by Schwab’s proprietary research and models.