Sandra Keir is a CFP® professional with 40 years of experience in the financial industry. She has been with Chelsea Advisory Services, Inc. since 2020, and previously worked at PRUCO Securities, LLC and The Prudential Insurance Co. of America. Outside of advisory work, she serves as vice president of the Palm Aire Women’s Club, a 501(c)(3) organization. Chelsea Advisory Services provides financial planning, investment advisory, and consulting services to individuals, including high-net-worth clients, trusts, and some corporate entities. The firm follows a fundamental, long-term investment approach, managing diversified portfolios primarily on a discretionary basis with oversight and compliance reviews.

Andrew Hoskins is a financial advisor with Good Life Advisors, LLC in Lakewood Ranch, FL, holding a Series 66 designation and 25 years of industry experience. He has worked at Good Life Advisors since 2018 and previously at Independent Financial Partners and LPL Financial. Good Life Advisors provides investment advisory, financial planning, and retirement plan consulting services to a diverse client base including individuals, families, business entities, trusts, estates, and charitable organizations. The firm utilizes a team approach and multiple analysis methods to tailor investment strategies and offers various programmatic solutions alongside educational seminars and a planning subscription service.

William Chase IV is a CFP® with 11 years of industry experience, currently serving as a financial advisor at HBKS Wealth Advisors in Sarasota, FL. His prior experience includes roles at Massmutual Life Insurance Company and Mass Mutual Investors Services, as well as involvement with HBK Sorce Insurance LLC. HBKS Wealth Advisors serves individuals, retirement plans, and institutional clients, offering personalized investment management and financial planning through tailored portfolios and a variety of strategies. The firm is noted for its integrated affiliated businesses and periodic client newsletters.

Collin Habig is a CFP® professional with seven years of industry experience, currently affiliated with Summit Financial, LLC. His prior work includes roles at Edward Jones and Raymond James Financial Services Advisors, Inc. Habig also has experience outside finance, having worked at Toby Keith's I Love This Bar and Grill. Summit Financial, LLC is an SEC-registered, multi-team advisory firm with $26.35 billion in assets under management, serving approximately 17,800 clients. The firm offers a combination of discretionary and consultative investment management services, financial planning, and retirement plan advisory, utilizing a variety of portfolio management programs and third-party platforms.

Joseph Patane is a CFP® professional with 21 years of experience in the financial advisory industry, currently serving at Plancorp, LLC since 2005. He also has nearly three decades of experience with The Patane Company. Outside of his advisory work, he is a partial owner of several commercial real estate development businesses in Sarasota, Florida. Plancorp serves individuals, trustees, business owners, charitable organizations, and retirement plans with a range of wealth management, financial planning, and investment services. The firm uses a Modern Portfolio Theory-based investment approach and offers both discretionary and non-discretionary management, incorporating third-party advisers and tax-aware strategies.

Brian Baacke is a financial advisor with CreativeOne Securities, LLC, holding Series 63 and Series 65 credentials and has seven years of industry experience. He is also the president and agent of Baacke Insurance Services, Inc., where he has been involved in insurance and related financial products for over sixteen years. Baacke teaches financial education classes through a nonprofit organization called Financial Education Partnership. CreativeOne Securities, LLC is a multi-advisor registered investment adviser serving individuals, retirement plans, trusts, charitable organizations, and business entities. The firm provides financial planning, portfolio management, retirement-plan fiduciary services, and access to third-party managers, combining project-based planning with ongoing asset management through its proprietary platforms.

Ryan Zabrowski is a Series 66-licensed financial advisor with 23 years of industry experience. He has worked at Krilogy Financial since 2019 and previously held roles at Bank of America and Merrill Lynch. Zabrowski is the author of an educational book on markets and investing titled *Time Ahead: Investor's Guide to Prosperity and Impact*. Krilogy Financial serves individuals and families, qualified retirement plans, charitable organizations, foundations, institutions, and businesses. The firm employs a primarily long-term investment approach with tactical overlays, combining quantitative, qualitative, and fundamental analysis, and offers portfolio management, financial planning, and family office services.

Kenneth Yermak is a financial advisor with Kovack Advisors, Inc. based in Lakewood Ranch, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Kovack Advisors and Kovack Securities since 2011. Outside of his role at Kovack, he serves as president and financial advisor at Yermak Financial Advisors, Inc. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base that includes individuals, corporations, pension plans, and banking institutions nationwide. The firm focuses on diversified asset-class exposure primarily through mutual funds and ETFs, while also recommending third-party managers and providing financial planning and retirement account aggregation services.

Terri Campbell is a CFA® charterholder with seven years of industry experience. She has worked at Integrated Advisors Network LLC since 2018 and previously held roles at Archer Bay Capital LLC and Liberty Mutual Group Asset Management. Outside of her advisory work, she owns and manages two equestrian properties used for horse boarding in Lake Worth, Florida. Integrated Advisors Network is an SEC-registered multi-team investment adviser serving individuals, high-net-worth clients, trusts, estates, retirement and employee benefit plans, and corporate entities. The firm uses a combination of fundamental and quantitative analysis within a risk-profile framework and frequently employs third-party sub-advisers to implement client portfolios.

June Braithwaite is a financial advisor at Foundations Investment Advisors LLC with seven years of industry experience. She holds the Series 65 designation and has worked at Foundations Investment Advisors since 2018 and Sarasota Wealth Advisory since 2015. Outside of advising, she is involved in independent insurance sales. Foundations Investment Advisors is a multi-advisor registered investment adviser managing approximately $10.1 billion for over 29,000 clients. The firm offers portfolio management, financial planning, retirement-plan support, and sub-advisory services to individuals, trusts, estates, and registered investment companies through a network of nearly 300 investment adviser representatives.

John Wightman is a financial advisor at XML Financial Group with 29 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at XML Securities, LLC, XML Financial, LLC, Janney Montgomery Scott, and Robert W. Baird & Co. from 2007 to the present. XML Financial Group is a multi-advisor wealth management firm overseeing approximately $3.3 billion in client assets. The firm serves around 2,890 clients, providing discretionary and non-discretionary investment management, financial planning, retirement plan advisory, and access to alternative investments through a combination of fundamental and technical analysis and third-party managers.

Regan Teague is a CFP®, CFA®, and Series 65 credentialed advisor with 13 years of industry experience. He is currently with Ashton Thomas Private Wealth and has been associated with Day Hagan Asset Management since 2012. Teague contributes articles on securities to SeekingAlpha.com. Ashton Thomas Private Wealth serves individual and institutional clients, including high-net-worth households, trusts, estates, retirement plans, and charitable entities. The firm offers discretionary portfolio management, financial planning, family office services, and retirement-plan fiduciary consulting, utilizing a diverse range of investment strategies and proprietary platforms.

Dustin Stanley is a financial advisor with AlphaStar Capital Management, holding a Series 65 designation and 11 years of industry experience. His prior roles include positions at Strategic Wealth Investment Group and Prime Capital Financial. Outside of financial advising, he is involved in various entrepreneurial ventures, including consulting, yacht chartering, and a medicinal cannabis partnership. AlphaStar Capital Management serves individual, corporate, and retirement plan clients with discretionary investment management, financial planning, and subadvisory services. The firm utilizes a combination of strategic and tactical investment models and employs third-party portfolio construction technology while managing approximately $2.5 billion in assets across over 8,400 client relationships.

Patricia Healy is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Cumberland Advisors since 2016. She holds Series 63 and Series 65 registrations. Cumberland Advisors provides discretionary portfolio management, consulting, and financial planning services to high-net-worth individuals and various institutional clients, including retirement plans and government entities. The firm focuses on active fixed-income management with an investment-grade bias and uses ETF-based core-satellite equity strategies alongside a Tactical Trend approach.

James Rapp is a financial advisor with Arkadios Wealth Advisors, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He previously worked for Wayne Hummer Investments for 13 years before joining Arkadios in 2024. Arkadios Wealth Advisors serves individuals, trusts, businesses, and retirement plans through a combination of advisor-managed accounts, wrap programs, access to third-party money managers, and financial planning. The firm employs a discretionary management approach supported by an internal portfolio team and uses fundamental, technical, and cyclical analysis in its investment strategies.

Thomas Ramsett is a financial advisor at Intrua Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Freedom Wealth Alliance and LPL Financial since 2014. Ramsett is involved with Windy City Financial Partners, a non-variable insurance investment-related activity. Intrua Financial provides investment advisory and portfolio management, comprehensive financial planning, and retirement-plan advisory services for individuals, high-net-worth clients, trusts, foundations, small businesses, and plan sponsors. The firm employs a combination of fundamental analysis, modern portfolio theory, and technical and cyclical analysis to create customized asset allocations and investment policy statements, offering both discretionary and non-discretionary management.

Benjamin Pease is a financial advisor at Cumberland Advisors with nine years of prior experience at Breckenridge Capital Advisors. He holds Series 63 and Series 65 licenses and has been with Cumberland Advisors since 2023. Cumberland Advisors serves individual investors, including high-net-worth households, as well as a range of institutional clients by providing portfolio management, financial planning, and investment consulting. The firm employs a team-based approach to managing fixed-income and ETF-based equity strategies and is notable for its inclusion of a tactical trend strategy within its separately managed account platform.

Michael Saltiel is a Series 66 credentialed financial advisor with 14 years of industry experience. He currently works at Ausdal Financial Partners, Inc., joining the firm in 2024 after six years at SCF Investment Advisors, Inc. and SCF Securities, Inc., and two years at Infinity Financial Services. Outside of advisory work, he owned and operated Aqua Grill, LLC from 2010 to 2019. Ausdal Financial Partners serves individuals, trusts, estates, retirement plans, and business entities, managing approximately $3.73 billion for over 16,000 clients. The firm offers a broad range of advisory and financial planning services, utilizing multiple custodians and integrating third-party managers to tailor investment strategies to each client’s objectives and risk tolerance.

Joshua Maly is a financial advisor at MDRN Capital with 18 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Savant Wealth Management, Golden Reserve RIA, and Thrivent Investment Management. In addition to his advisory role, he is involved with MDRN Insurance, LLC as an insurance agent. MDRN Capital provides discretionary wealth management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm’s investment approach combines fundamental and technical analysis with a primarily long-term orientation, utilizing a range of investment vehicles and independent managers.

Martina Schmidt is a financial advisor at Cumberland Advisors with one year of industry experience. She holds a Series 65 designation and has worked at the University of South Florida since 2000. Outside of her advisory role, she serves as Corporate Secretary and Strategist for Best Weather Inc., where she writes a weekly commodity-oriented newsletter. Cumberland Advisors provides portfolio management, financial planning, and investment consulting to individual and institutional clients. The firm employs a team-based approach with a focus on active fixed-income management and a tactical trend strategy that incorporates market-timing signals and downside protection.