Karrie Harman is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Cambridge Investment Research since 2018. Prior to that, she was with LPL Financial and National Planning Corporation. Harman is also an independent insurance agent in Ormond Beach, Florida. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement services through a network of independent professionals, utilizing proprietary and third-party model strategies across various custody and platform arrangements.

Frank Diego is a financial advisor with Raymond James & Associates in Daytona Beach, FL, holding a Series 63 designation and 43 years of industry experience. He has been with Raymond James & Associates for 20 years. Outside of his advisory role, he is the proprietor of a research and print business focused on ancestry books. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles supported by affiliated research and sub-advisers.

Elias Chaikin is a Certified Financial Planner® with 13 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2018. He previously worked at LPL Financial and National Planning Corporation. In addition to his advisory work, he is an enrolled agent preparing tax returns and representing clients in IRS disputes, and also acts as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing a range of portfolio management strategies and platform arrangements tailored to client objectives.

William Grigat Jr. is a CFP® with over 53 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2018. His prior experience includes nearly a decade at National Planning Corporation and a year at LPL Financial. He has also worked as an independent insurance agent since 1983. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning and investment management through a network of independent financial professionals, providing a range of portfolio management and advisory services tailored to client objectives.

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 Services Advisors, Inc., holding a Series 66 designation and two years of industry experience. Her background includes time as a stay-at-home parent and involvement with the Daytona Beach Racing and Car Club. Root also operates a consulting business and maintains an active law license. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes non-discretionary, tailored advice supported by analytical tools and maintains specialized services such as municipal advisory and SIMPLE IRA employer consulting.

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 35 years of industry experience, currently serving at Ameriprise since 2017. His prior experience includes roles at Raymond James Financial Services and Wynn Financial Group. Outside of his advisory work, he serves as President on the Board of Directors of a nonprofit organization. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement planning recommendations and ongoing advice focused on income sources and tax-aware withdrawal 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.

Louis Robertson Jr. is a financial advisor with Robertson Advisory, Inc. in Deland, FL, holding the CFP® and Series 63 designations and bringing 36 years of industry experience. He has been with LPL Financial since 2009 and has operated Robertson Advisory, Inc. since 1986. Outside of advising, he serves on the board of Mustard Seed Publishing, Inc., which publishes the DeLand Beacon Newspaper. Robertson Advisory, Inc. is an independent firm providing financial planning and advisory services primarily on an hourly rate basis.