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 with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Charles Schwab since 1997 and has been with Schwab Wealth Advisory since 2012. 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 standard asset-allocation models and internal research tools. The firm typically recommends separately managed accounts and operates with distinct compliance and operational practices as part of the Charles Schwab organization.

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 as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has been with Schwab Wealth Advisory since 2014 and associated with Charles Schwab since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm employs asset-allocation models and internal research tools to guide investment decisions, with services tailored to individual client goals and risk tolerance.

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.

Johara Safraoui is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Schwab Wealth Advisory, she held positions at Charles Schwab & Co. and worked in various roles outside the financial industry, including education and retail. 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 proprietary asset-allocation models and internal research tools.

Anthony Perrone is a financial advisor with Ameritas Advisory Services, LLC, holding the ChFC® and Series 66 designations and has 33 years of industry experience. He has worked at Ameritas Advisory Services since 2021 and has a long tenure at affiliated Ameritas entities dating back to 2001. Perrone is also the owner and president of the Estate & Business Planning Group and is an author engaged in writing and speaking about his books. 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 utilizes a range of investment strategies and platforms, including model portfolios, mutual funds, ETFs, and individual securities, supported by third-party technology and managers.

Charles Aten is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and related entities since 2000. He is currently based in Orlando, FL. Schwab Wealth Advisory serves clients 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. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research and involves annual reviews tailored to clients’ goals and risk tolerance.

Ethan Smoldt is a CFP® professional with eight years of industry experience currently working at Schwab Wealth Advisory in Orlando, FL. His career includes roles at Charles Schwab and Progressive Insurance. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Douglas Smith is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab & Co. since 2000, including a decade at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm emphasizes asset allocation and investment selection based on proprietary models and research, with trades executed only with client authorization.

Boston Russell is a financial advisor at RBC Rochdale, LLC with the CFA® designation and 13 years of industry experience. He has worked at Rim Securities LLC and Rochdale Investment Management LLC since 2012. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, and government entities. The firm employs an active, multi-strategy investment approach that combines quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes and often collaborating with third-party sub-advisors.

Jonathan Greene is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes positions at Edward Jones, Kovack Securities, Capital Guardian Wealth Management, Wells Fargo Clearing, and Merrill. He is based in Orlando, FL. Schwab Wealth Advisory serves clients enrolled 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 guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Emma Mumpower is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 credential and one year of industry experience. Prior to joining Ameritas, she worked at Fidelity Investments and maintains a part-time role with Journeys Travel Company, where she plans and books vacations remotely. Ameritas Advisory Services provides investment advisory and planning services to a diverse client base, offering portfolios composed of model portfolios, mutual funds, ETFs, and individual securities through multiple program platforms and leveraging third-party technology and managers.

Nahyua Muniz is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Orlando, FL. Her prior experience includes roles at Robinhood Financial LLC and Pershing Advisor Solutions LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to each client’s goals and risk tolerance.

Elliot Bramham is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Creative Planning. His prior experience includes roles at Chadwicks Limited, University of East Anglia, Allen & Overy, Shearman & Sterling LLP, and Paris Nanterre University. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental portfolio options, supported by a broad range of affiliated legal, trust, and retirement plan service businesses.