James Pennington is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab bank, CHARLES SCHWAB and CO., INC., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade, Inc. He is based in Ormond Beach, Florida. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 guidance using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

Michael Holt is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials. He has worked in the financial industry since 2016, previously holding positions at Smith Viceroy Capital, Atlas Group LTD, and Tyger Asset Holdings before joining Equitable Advisors in 2026. Equitable Advisors serves a broad client base including individuals of varying net worth, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

David Petracca is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Primerica Advisors. He serves on the board of directors for United Way in Daytona Beach, FL. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, notable for its Ameriprise Premier Retirement Income service, which provides retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Susan Frazier is a financial advisor at Morgan Stanley in Ormond Beach, FL, holding a Series 66 designation with four years of industry experience. She previously worked for Southern Title Holding Company for seven years before joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Karrie Harman is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 designations. She has 23 years of industry experience, including prior roles at LPL Financial and National Planning Corporation. Harman is also an independent insurance agent in Ormond Beach, Florida. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals managing a multi-billion dollar asset base across multiple platforms.

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 CFP® professional with 13 years of industry experience, currently serving as an advisor at Cambridge Investment Research Advisors since 2018. Prior to this, he worked at LPL Financial, National Planning Corporation, and Osaic FA, Inc. In addition to his advisory role, Mr. Chaikin is an enrolled agent preparing tax returns and representing clients in IRS disputes, as well as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base, including individual, pension, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through a large network of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

William Grigat Jr. is a CFP® professional with over 53 years of experience in the financial services industry. He has worked at Cambridge Investment Research Advisors since 2018, following prior roles at LPL Financial and National Planning Corporation. In addition to his advisory work, he has been an independent insurance agent since 1983. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through a large network of financial professionals and multiple platform options.

Jared Lind is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Washington Trust Company and self-employment. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction with a focus on model portfolios, multi-manager funds, and long-term asset allocation.

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 CFP® certificant with 17 years of industry experience, currently serving at J.P. Morgan Securities. He has worked with JP Morgan Chase Bank and its affiliated entities since 2010. Parsons also serves as President and board member of Ormond Beach Youth Baseball & Softball Corp., a nonprofit organization promoting youth sports in his community. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, offering model asset allocations with an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

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, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank since 2020 and has been with Morgan Stanley Smith Barney since 2009, following a 16-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers planning services directly as well as through corporate agreements.

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.