Raymond Krutz is a financial advisor with Primerica Advisors in Ormond Beach, FL, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has been with Primerica Financial Services since 1980 and Primerica Advisors since 1998. Outside of his advisory role, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selected discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm employs third-party asset managers and maintains a tiered wrap-fee structure, focusing on curated investment models rather than institutional plan management.

Wesley Hollan is a financial advisor with Wells Fargo Advisors and holds a Series 66 credential. He has 18 years of industry experience, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Hollan also owns WES HOLLAN LLC, a financial practice based in Ormond Beach, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations across a broad range of financial planning areas.

Catherine Root is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, she has experience as a stay-at-home parent and briefly worked with a local racing and car club. She is also licensed to practice law, with her legal practice registered under her own consulting business, Risk Wrangler Inc. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth investors, and public sector entities. The firm offers tailored, non-discretionary advisory services and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Chad Parsons is a financial advisor with J.P. Morgan Securities, holding CFP® and multiple securities licenses, and has 17 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2015. Parsons serves as president and board member of the Ormond Beach Youth Baseball & Softball Corp., a nonprofit organization promoting youth sports in his community. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering recommendations that clients execute independently.

David Carson is a financial advisor with Ameriprise in New Smyrna Beach, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by a dedicated team to deliver tailored retirement planning advice.

Jeffrey Morenz is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2009. Outside of his advisory role, he is a Notary Public in the State of Iowa. Stifel serves a diverse client base, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, providing asset allocation and planning analyses that support client decision-making.

Louis Colombo is a financial advisor with Edward Jones in Daytona Beach, FL, holding CFP® and Series 66 credentials and bringing six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Stetson University and Bethune-Cookman University, where he also serves as a professor and adjunct professor teaching philosophy courses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets, offering a range of investment strategies and affiliated services through a nationwide network of over 23,000 advisors and more than 15,000 branches.

Julian Lopez Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in coordinating financial affairs for families, retirees, business owners, and non-profit organizations. He has been active in the financial services industry since 1998, providing services that include discretionary portfolio management, estate planning, and asset management tailored to his clients' goals. Julian holds a Bachelor's Degree from Clemson University and possesses multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is proficient in both Spanish and English and maintains several FINRA registrations (Series 7, 31, 63, and 65). He is involved in various community organizations such as the Council on Aging of Volusia County Board and has served as a past board member and president in groups including the Ormond Beach Chamber of Commerce, Ormond Beach Rotary Club, and the Salvation Army of Daytona Beach. In his free time, Julian enjoys activities such as golfing, fishing, hunting, and watching Clemson Tigers football.

Katie Meyering is a financial advisor with Morgan Stanley in Ormond Beach, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked with Morgan Stanley Private Bank since 2020 and has been with Morgan Stanley Smith Barney since 2009, following a prior tenure at Citigroup Global Markets that began in 1993. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to assist clients, though it generally acts in an advisory capacity without offering individual security recommendations as part of standalone financial plans.

Matthew Gillikin is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2008 and joined Merrill Lynch Wealth Management in 2010. Matthew focuses on developing strategies for high-net worth individuals, their families, and their businesses to help them meet both short- and long-term financial goals. His areas of expertise include college education planning, family wealth management, legacy planning, personal retirement planning, portfolio management services, and retirement income. Matthew holds a Bachelor's Degree from Flagler College and is a Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement, actively volunteering with organizations such as the Futures Foundation for Volusia County Schools, Little League Baseball, and Our Lady of Hope. Outside of his professional role, Matthew enjoys baseball, boating, cooking, football, golfing, reading, swimming, traveling, and spending time with his family.

Galin Crist is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise since 2017. His prior experience includes roles at Raymond James Financial Services, Wynn Financial Group, and RTC Construction. Outside of his advisory work, he serves as President on a nonprofit board of directors and is involved in independent insurance brokering. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations through a centralized consulting team that uses algorithmic tools alongside research and modeling to support tax-efficient withdrawal and income strategies.

David Harris is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Ameriprise since 2013, working through its related entities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Serge D'Adesky is a financial advisor at Northstar Strategic Investments Inc with 17 years of industry experience. He holds a Series 66 designation and has been with Northstar Strategic Investments since 2010. In addition to his advisory work, Serge is a registered life and health insurance agent and contributes publications to Seeking Alpha. He also serves as a trustee for the Katherine Marie D'Adesky Special Needs Trust. Northstar Strategic Investments Inc is an independent firm serving clients with tailored financial advisory services.

Mark Nichols is a financial advisor with Charter Advisory Services, LLC in Daytona Beach, FL, holding Series 63 and Series 65 credentials and 22 years of industry experience. Prior to joining Charter Advisory Services in 2017, he worked at Horter Investment Management, LLC for one year. In addition to his advisory role, Nichols serves as President and Producer of Charter Insurance Brokerage, a position he has held since 1998, focusing on marketing and sales. He is also the manager of Foundation Settlement Management Company, LLC, overseeing its operations. Charter Advisory Services, LLC is an independent firm serving clients with personalized financial advice.

Anthony Lupoli is a CFP® professional with two years of experience in financial advising. He currently operates AVL Advisory LLC as its sole advisor and has previously worked at firms including Wing, Weber, & Co, PL and Avantax Advisory Services. Outside of financial advising, he manages AVL CPA Firm, LLC, which provides accounting and tax advisory services, and serves as treasurer for the Daytona Beach Young Professionals, a local networking organization. AVL Advisory LLC is an independent firm serving individual clients, focusing on personalized financial planning and advice.

Jose Silva is a financial advisor at Silva Fiduciary Advisors with 18 years of industry experience. He holds a Series 66 designation and has been with Silva Fiduciary Advisors since 2016. In addition to his advisory work, Silva teaches investing and finance as an adjunct professor at Embry-Riddle Aeronautical University. Silva Fiduciary Advisors is an independent firm based in Daytona Beach, FL, serving clients through personalized fiduciary advisory services.

James Buckley is a CFP® with 39 years of experience in the financial services industry. He is the principal advisor at Buckley Financial Group in Daytona Beach, FL. His prior firms include Investacorp Advisory Services and Securities America Advisors. Buckley maintains his insurance licenses primarily to review and advise clients on insurance policies as needed. Buckley Financial Group is an independent advisory firm serving clients primarily in the Daytona Beach area.

Russell Owen is a financial advisor at Gray Lake Advisors with a Series 66 designation and three years of industry experience. His prior roles include positions at Blackridge Asset Management, Peak Brokerage Services, and Edward Jones. Outside of financial advising, he serves as a director at Spaulding Ridge, a higher education software consulting firm. Gray Lake Advisors is an independent firm based in New Smyrna Beach, FL.