Richard Bowler is a financial advisor at Charles Schwab with 30 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Charles Schwab, he worked at TD Ameritrade and Fidelity in various advisory roles. Outside of his advisory work, Bowler is a drummer in a band and coaches youth football. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio investment approach supported by centralized custody and operational infrastructure.

Kevin Ledzian is a financial advisor at Osaic Wealth with 28 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Financial Securities for 17 years prior to joining Osaic in 2025. In addition to his advisory work, he is a chess coach providing private tutoring for both scholastic and adult students. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and the use of discretionary and third-party-managed strategies.

Robin Morgan is a financial advisor with Charles Schwab, holding a Series 66 designation and 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and includes access to alternative investments through a dedicated due diligence process.

Sandra Sulik is a financial advisor at Morgan Stanley with 33 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Merrill for 36 years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and analysis from its Global Investment Committee.

Anthony Montemurro is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. He holds the Series 66 designation and is based in Ocala, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, operating under a fiduciary standard, and is notable for its extensive network of advisors and branch offices nationwide.

Andrea Slaughter is a financial advisor with Raymond James & Associates in Ocala, FL, holding a Series 66 credential and 12 years of industry experience. She has been with Raymond James & Associates since 2012. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by extensive research and model manager options.

Kevin Holmes is a ChFC® credentialed financial advisor with 24 years of industry experience. He currently works at OSAIC and previously held roles at Securities America, Inc. and Investacorp Inc. He is based in Ocala, FL. OSAIC serves a wide range of retail and institutional clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, providing advisors with tools to implement customized investment strategies.

Luke Emerson is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Edward Jones since 2017 and previously served in the United States Army for 20 years. He is based in The Villages, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Robert Luther is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior advisor for The Luther Group. Since beginning his career in financial services in 2002, he has focused on estate planning strategies, portfolio construction, and client reviews. He was the founding president of the Tri-County Estate Planning Council of The Villages, Florida, and is a member of the Estate Planning Council of Marion County, Florida. Robert holds several professional designations, including Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from Florida State University with a bachelor's degree and also completed a master's degree at the same institution. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Robert resides in Fruitland Park, Florida, with his family. His personal interests include adventure sports, biking, and chess.

Derek Miller is a financial advisor with Ameriprise in Ocala, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliate since 2012. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, emphasizing assets held in Ameriprise-managed accounts.

Amanda Prescott is a Financial Consultant at Fidelity Investments, a role she has held since 2026. She joined Fidelity Investments in 2021 as a Planning Consultant, bringing with her prior industry experience. Her career includes positions as a Retirement Plan Consultant at VALIC Financial Advisors and Transamerica, as well as roles in banking and investment consulting at JPMorgan Chase and TD Ameritrade. Throughout her career, Amanda has focused on providing personalized financial guidance tailored to the goals and needs of her clients. She emphasizes listening and understanding individual priorities to help clients and their families work toward financial objectives and prepare for life's milestones. Outside of her professional work, Amanda enjoys activities such as going to the beach, attending concerts, fitness, exploring culinary experiences, kayaking, and spending time with her pets.

Alejandra Cabrera is a Series 66-licensed financial advisor at Wells Fargo Clearing with three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Brandon White is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having also worked at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, with an emphasis on forward-looking capital market assumptions and ESG considerations.

Austin Vealey is a financial advisor at OSAIC with 11 years of industry experience. He holds Series 65 and Series 63 designations and has worked previously at Lincoln Financial Securities and J. W. Cole Advisors. Outside his advisory role, Vealey owns and operates Acorn Tax and Wealth Advisors, providing tax analysis and consulting services for small businesses and individuals. OSAIC serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a multi-advisor platform with a model-based investment approach that includes asset allocation, portfolio optimization, and a variety of advisory and brokerage services.

Greg Harmon is a Planning Consultant at Fidelity Investments, where he partners with clients and their Wealth Planners to assist in establishing personalized financial plans. His role involves supporting investment decisions across various objectives including growth, income, and legacy planning, collaborating within a team dedicated to clients' financial journeys. Greg has extensive experience in the financial advisory field, having held roles at multiple firms. His career includes positions as a Financial Advisor at Royal Alliance Associates, Edward Jones, Merrill Lynch, Compass Brokerage, UBS Financial Services, and A.G. Edwards & Sons. Additionally, he served as an Investment Consultant at Scottrade from 2009 to 2018. Outside of his professional work, Greg's personal interests include beach activities, boating, camping, music, and parenthood.

Benjamin Ow is a financial advisor with Morgan Stanley, holding Series 66 and Series 63 licenses and four years of industry experience. He has worked at Morgan Stanley and its Private Bank, as well as Fidelity Investments. Outside of finance, he is involved as a tester for Electronic Arts Orlando Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Ronald De Vries is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. His work history includes roles at Edward Jones, U.S. Bancorp, and Compass Retirement Solutions. In addition to advising, he is a licensed insurance agent working with various carriers. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s program offers written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Michael Micallef is a CFP® professional with 25 years of industry experience. He joined Edward Jones in 2024 after spending 24 years at Charles Schwab. Outside of advising, he is involved in a family rental property business in Panama City Beach, Florida. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Patricia Madden Renouard is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2000, with a break from 2003 to 2016, and has been with Wachovia Bank, N.A. since 2002. Outside of her advisory role, she serves as a power of attorney for her mother. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gavin Singh is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes multiple roles at Bank of America and experience outside the financial sector at Best Buy and the University of Central Florida. Outside of advising, he owns a vlogging business that showcases aspects of his culture and community and is a managing member of a family-owned food distribution company. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.