Konstantin Bystritsky is a CFP® professional with 20 years of industry experience. He is currently with Corient and has previously worked at Fidelity Investments and CI Doyle Private Wealth. Based in St. Petersburg, FL, he holds Series 63 and Series 65 licenses. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and specialized offerings such as family office and trustee services.

John Delgado is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Prior to joining Voya, he worked at Raymond James & Associates and Fidelity Brokerage Services. He is also the owner and manager of Chatarra Restaurant LLC, a family-operated mobile food truck, and the author of a book titled *50 Rules of Life for My Kids*. VOYA Financial Advisors, Inc. serves individuals, pension plans, charitable organizations, and corporate clients, offering financial planning, portfolio management, and retirement advisory services through a large network of advisers. The firm employs a range of investment solutions including unified managed accounts, using both in-house and external strategists, and provides services primarily on a non-discretionary basis with some discretionary management options.

Abid Afridi is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His background includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Wells Fargo Clearing, and Wells Fargo Bank. Outside of his advisory work, he is employed part-time at a 7-Eleven franchise in a customer service capacity. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners with managed portfolio and advisory services that focus on asset allocation and retirement planning guidance. The firm utilizes proprietary software and model portfolios developed in partnership with Morningstar Investment Management and operates at scale with a primarily non-discretionary asset base.

Alan Barrier is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and six years of industry experience. His background includes roles at Royal Alliance Associates, Penn Mutual Life Insurance Company, and Raymond James Financial. He also serves as COO of New Day Financial Advisors, LLC, an insurance brokerage firm in St. Petersburg, FL. Hornor, Townsend & Kent (HTK) serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory programs and broker-dealer services, combining custody, execution, and brokerage capabilities with investment advice.

Michael Ebert is a financial advisor at Principal Financial Services with Series 63 and Series 65 licenses and three years of industry experience. He previously worked at New York Life Insurance Company and NYLife Securities LLC. Outside of advising, he is involved in offering insurance solutions including annuities and various life and disability insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s offerings include direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Christopher Jay is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Corient. He has previously worked at CI Doyle Private Wealth, LLC, and has been with Corient and its affiliated entities since 2022. Christopher is based in St. Petersburg, FL. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions and uses risk management tools and continuous portfolio monitoring.

Angela Maraj is a financial advisor with Lincoln Investment in St. Petersburg, FL, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. Outside of her advisory work, she is president of two environmental consulting firms, M&M Group Enterprises Inc and Botanica Inc. Lincoln Investment Planning, LLC serves a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans, with a particular focus on educators and participants in 403(b) and 457(b) programs. The firm combines advisor-led consulting with portfolio management supported by an internal Investment Management & Research team and third-party managers, offering both wrap and non-wrap platform options.

Aaron Motai is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Corient. His prior roles include positions at Sabal Trust Company, TD Ameritrade, Charles Schwab, USAA, and T. Rowe Price. He is based in St. Petersburg, Florida. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm employs a goals-based, team approach to portfolio management, utilizing both in-house strategies and third-party solutions while incorporating risk management tools and alternative investments when appropriate.

Lorin Bridge Jr. is a financial advisor with Corient, holding a Series 65 designation and three years of industry experience. His prior experience includes 15 years at Reilly, Fisher & Solomon PA and roles at CIPW Service Company, LLC and CI Doyle Private Wealth, LLC. Corient provides investment advisory and financial planning services to a diverse client base, employing a goals-based, team investment approach that integrates in-house strategies with third-party managers and customized asset allocation. The firm offers specialized capabilities including private fund platforms and affiliated trust services.

Emily Dirgo is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has been with Charles Schwab since 2015, including nine years at Charles Schwab Bank and one year at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance centers on asset allocation and investment selection, using Charles Schwab & Co.’s proprietary models and research tools, with an emphasis on tailored recommendations based on client goals and risk tolerance.

Paul Habib is a financial advisor with Eagle Strategies (NY Life) based in St. Petersburg, FL, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been associated with Eagle Strategies since 2017 and with New York Life and its affiliated entities since 2016. Habib also owns and operates ProWealth, LLC, a business involved in selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base of individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services. The firm operates through a large network of affiliated advisors, offering multiple program types tailored to client and plan sponsor objectives, with most assets managed on a non-discretionary basis.

Puran Sugrim is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at T. Rowe Price and E*TRADE before joining PNC Investments in 2021. Outside of his advisory role, he is president of PNKS Associates LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees with PNC Bank online credentials. The firm uses algorithmic questionnaires for model selection and delegates portfolio implementation to third-party strategists.

Kevin Osborne is a financial advisor at First Citizens Investor Services, Inc. with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at SunTrust Investment Services and Sun Trust Bank. Kevin is based in St. Petersburg, FL. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, including high-net-worth clients, pension plans, charitable organizations, and corporate entities. The firm employs a client-centered process led by investment advisor representatives, utilizing fundamental, quantitative, and technical analysis to manage diversified portfolios.

Jameson Ford is a financial advisor at Mercer Global Advisors Inc. with a Series 65 credential and two years of industry experience. His prior work includes roles at Citi and Fisher Investments. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory, financial, tax, retirement, and estate planning services. The firm’s investment approach is based on Modern Portfolio Theory, utilizing globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, and other specialized strategies.

Thomas Bagatini Alves is a financial advisor with PNC Wealth Management in Largo, FL, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Morgan Stanley, TMH Federal Credit Union, Citi, Regions Bank, Lockton, and Currency Exchange International. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic risk assessment and approved mutual funds and ETFs for portfolio implementation.

Thomas Schuller is a CFP® with 29 years of industry experience, currently serving at Fifth Third Securities, Inc. since 2012. He is based in St. Petersburg, FL. Outside of his advisory role, he has experience as an owner and landlord of rental property in Chicago. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration and affiliation with Fifth Third Bank to provide a range of managed-account programs featuring direct indexing, tax-overlay services, and access to multiple fund strategist portfolios.

Brooke Motley is a financial advisor with Truist Advisory Services in Saint Petersburg, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked with several related entities including BB&T and Wells Fargo Clearing. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Matthew Kulaga is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 65 credential and beginning his advisory career in 2026. He has prior experience with Johnson Brothers of Florida, Jazz Wealth Managers, Inc., and a background in real estate with Keller Williams. Outside of his advisory role, he is involved in real estate sales, showing homes on a part-time basis. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering various portfolio management and financial planning services.

Brian Bohnen is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, Series 65, and Series 66 licenses and 16 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2017, as well as prior experience at Allstate Insurance, Morgan Stanley, and other firms. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs, investment education, and portfolio management that rely on Morningstar Investment Management’s proprietary software and model portfolios. The firm operates at scale, focusing on asset allocation, contribution guidance, and retirement planning through both discretionary and non-discretionary services.

Jason Biance is a CFP® professional with 11 years of industry experience, currently serving at AE Wealth Management, LLC. His work history includes roles at American Financial Education Alliance and Global Financial Private Capital, and he has managed his own entities such as J Biance Wealth Management, LLC. Biance is involved with nonprofit organizations focused on child welfare and memory-related illnesses, serving on the boards of Change of Pace, Inc. and Champion for Children Foundation of Highlands County, Inc. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies and supporting third-party RIAs through sub-advisory and model-licensing arrangements.