Johven Mike Barga is a financial advisor with Transamerica Financial Advisors in Maitland, FL, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His background includes roles with organizations such as World System Builders, the National Association of Registered Social Security Analysts, and Education Encompassed. Outside of traditional advisory work, he is involved in estate planning services through Inheritguard, LLC, and provides education on social security issues as a registered social security analyst. Transamerica Financial Advisors serves a broad client base including individuals, employer-sponsored retirement plans, trusts, and charitable organizations. The firm’s advisory approach primarily utilizes model portfolios and third-party managers, offering multiple program platforms such as Transamerica ONE and TFA365.

Sean Mallon is a CFP® with 23 years of industry experience, currently advising at Schwab Wealth Advisory, Inc. in Orlando, FL. His prior experience includes roles at TD Ameritrade, Charles Schwab, Moomoo Financial, and Wells Fargo Investments. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering customized recommendations without exercising discretionary trading authority.

David Clark is a financial advisor with Private Advisor Group, LLC, holding a Series 65 credential and one year of industry experience. Prior to joining Private Advisor Group in 2024, he held positions at organizations including Cru and Maple Street Biscuit Company. Outside of his advisory role, Mr. Clark operates under the business name Grace Financial Group, LLC. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and managed account solutions through proprietary platforms and third-party strategies. The firm employs a fiduciary-based advisory model and utilizes a range of investment methods and technology platforms to implement its services.

Marco Escobar is a CFP® professional with 23 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. His prior roles include positions at CitiGroup, Merrill, and J.P. Morgan Securities. Outside of finance, he is involved in music production as the owner of CasaMuzik, where he works as a producer, writer, and musician. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection, using proprietary models and internal research tools, while requiring client authorization for all trades.

Cindy Mayfield is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and 11 years of industry experience. She has been with AE Wealth Management since 2016 and also serves as president of Wealth Management Solutions, LLC, an insurance marketing and sales business she founded in 2007. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individual households, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and combines fundamental, technical, and cyclical investment approaches to manage approximately $49.8 billion for over 127,000 clients.

Jonathan Kress is a CFP® professional with 10 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. He has been affiliated with Charles Schwab since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes asset-allocation models and internal research tools to tailor recommendations to client goals and risk tolerance, while trades are executed only with client authorization.

Juan Novoa is a financial advisor at PlanMember Securities Corporation with 18 years of industry experience. He holds the Series 66 designation and has worked at PlanMember, U.S. Retirement Partners, and Bencor dba Benefits Retirement Group since 2018, following an 11-year tenure at Thrivent Financial For Lutherans and Thrivent Investment Management. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering a range of participant-level investment options. The firm’s investment approach centers on a top-down strategic asset allocation framework and risk-based mutual fund portfolios with periodic rebalancing.

Patrick Mac Leish is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and 10 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and has worked at Charles Schwab since 2013. Based in Orlando, FL, he provides investment advice and financial planning services to clients. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice and wealth management consultations. The firm’s advice is guided by Schwab’s asset-allocation models and internal research, with tailored recommendations based on client goals and risk tolerance.

Derrick Butterfield Jr. is a financial advisor with Schwab Wealth Advisory Inc. in Orlando, FL, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has a broader affiliation with Charles Schwab dating back to 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services include asset allocation guidance and investment selection based on Charles Schwab & Co.’s standard models and internal research tools, with client accounts reviewed at least annually.

Jason Cvetan is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 credentials and one year of industry experience. His prior work history includes roles at Regions Bank, Charles Schwab & Co., Inc., and Amazon Flex. Based in Orlando, FL, he has been with Schwab Wealth Advisory since 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach involves tailored asset allocation and investment recommendations using Schwab’s internal research tools, with client authorization required for trades, and it operates under a structure affiliated with Charles Schwab & Co. and related entities.

Oluwatobi Ajao is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. Before joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab and has a background that includes involvement with Auburn University Football. Outside of advisory work, he has worked as a delivery driver for DoorDash. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients primarily enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with tailored recommendations aligned to client goals and risk tolerance.

Brandon Macho is a CFP® professional at Schwab Wealth Advisory with three years of industry experience. He previously worked at Ameriprise and RBC Capital Markets, among other roles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s recommendations are based on Charles Schwab & Co.’s asset-allocation models and internal research, with trades executed only upon client authorization.

Khalid Boyd is a financial advisor at Fifth Third Securities, Inc. with one year of industry experience. He holds the Series 63 and Series 65 designations and has worked at Fifth Third Bank NA, Insight Credit Union, and Wells Fargo. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and a tax-overlay service, operating as a wholly owned subsidiary of Fifth Third Bank.

Rayvon Solomon is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He is currently with RBC Rochdale, LLC and has held previous roles at CNR Securities, Ameriprise, Charles Schwab Investment Management, and several other firms. Outside of his advisory work, he owns Wet Jet LLC, a retail business. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and institutional investors. The firm employs an active, multi-strategy investment approach that integrates quantitative models with fundamental analysis and uses proprietary tools to align portfolios with client investment policies.

Brandon Flitsch is a financial advisor with Schwab Wealth Advisory, holding a Series 66 credential and 12 years of industry experience. He has worked within the Charles Schwab organization since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Prior to that, he spent one year at Northwestern Mutual Investment Management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain referrals from Charles Schwab & Co. The firm uses Schwab’s asset-allocation models and internal research tools to guide investment selection, with an emphasis on annual reviews tailored to client goals and risk tolerance.

Sheldon Brandau is a financial advisor with RBC Rochdale, LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked with Rim Securities LLC and Rochdale Investment Management LLC since 2009. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that integrates quantitative screening, statistical modeling, and fundamental analysis to tailor portfolios using proprietary tools and a broad range of asset classes.

Bryan Williamson is a financial advisor with Schwab Wealth Advisory, Inc. based in Orlando, FL. He holds Series 63 and Series 66 designations and has 18 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2008 and with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain CS&Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach is guided by Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

David Payne is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at JMD Partners LLC, U.S. Retirement Partners, Retirement Planning Associates, and Summer Field Financial, among others. He is involved in multiple business ventures related to financial services and insurance. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a strategic asset allocation framework to manage unitized, risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Eric Bauer is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Schwab Wealth Advisory since 2021 and has worked at Charles Schwab & Co., Inc. since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach includes asset allocation guidance based on proprietary models and internal research, with trades executed only upon client authorization.

Ted Romine is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and 31 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and with Charles Schwab & Co., Inc. since 2009. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering customized recommendations with at-least-annual reviews while trades require client authorization.