Margaret Sullivan is a financial advisor at Kestra Advisory with 19 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at Commonwealth Financial Network and Thomas Savone & Associates. Kestra Advisory provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including large plan sponsors and sovereign wealth funds. The firm offers fiduciary services, plan design and compliance consulting, and access to multiple management platforms and third-party solutions.

John Downey is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Truist Advisory Services since 2016 and with Truist Investment Services since 1998. He holds Series 63 and Series 66 licenses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate resources.

Melanie Leon is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and one year of industry experience. Before joining Commonwealth, she worked at Innovative Financial Solutions and has experience in customer-facing roles across various industries, including food service and retail. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors, providing advisory programs, technology, and operational support. The firm offers a range of investment solutions, including discretionary model portfolios and personalized indexing, while serving both retail and institutional clients.

Steven Wolf is a CFP® professional with 15 years of industry experience, currently serving at CWM, LLC since 2023. He has also operated Wolf Money Management, Inc. since 2003. Additionally, he spends part of his time as a licensed insurance agent involved in insurance sales. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, variable sub-account management, sub-advisory, and retirement-plan services, utilizing model portfolios and a combination of fundamental and technical analysis.

Stacey Borchardt is a financial advisor at PNC Wealth Management with 27 years of industry experience. She holds the Series 65 and Series 63 designations. Her prior experience includes roles at Pershing LLC, BBVA Securities Inc., BBVA Compass Insurance Agency, Inc., and Compass Bank. 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 third-party managed model strategies.

Maggie Parker is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at E*TRADE Capital Management, The Vanguard Group, and SigFig Wealth Management. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a range of discretionary and non-discretionary programs, utilizing both in-house and third-party managers, and integrates with affiliated broker-dealer and investment adviser entities.

Andrea Bishop is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. She has worked at Suntrust Investment Services and Suntrust Advisory Services since 2016. Outside of her advisory role, she owns a business that creates grazing boards and boxes. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm integrates discretionary manager relationships and non-discretionary consulting, utilizing third-party platforms and AI-enabled research tools to support its investment approach.

Roseann Monteleone is a financial advisor with SPC in Palm Coast, FL, holding Series 63 and Series 66 licenses and with 18 years of industry experience. Her prior roles include positions at Sigma Financial Corporation, Independent Financial Partners, Bank of America, and Merrill. Outside of her advisory work, she conducts financial literacy education workshops and provides general business consultancy services. SPC offers investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, retirement plans, charitable organizations, and corporate clients. The firm’s advisory network serves over 30,000 clients through tailored and discretionary investment advice delivered at the individual advisor level.

David Moon is a CFP® professional with 12 years of industry experience, currently affiliated with Commonwealth Financial Network in St. Augustine, FL. He has worked at Commonwealth since 2012 and is also associated with Innovative Financial Solutions. Outside of advisory work, he provides tax preparation services through Gregs & Reid CPA. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and support services. The firm provides operations, trading, technology, investment management, compliance, and practice-management resources, enabling advisors to deliver personalized portfolio solutions under Commonwealth’s supervision.

Mark Kraus is a financial advisor with Commonwealth Financial Network in Neptune Beach, FL. He holds the ChFC® designation and has 28 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Innovative Financial Solutions, and MSI Financial Services. He is also involved in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a range of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support while enabling advisors to offer customized portfolios and discretionary model solutions.

Harold Lewis is a financial advisor with Empower Advisory Group in Palm Coast, FL, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Citigroup and Fidelity Brokerage Services. Outside of finance, he engages in livestreaming focused on true crime and paranormal topics. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm offers financial planning and investment management through an integrated model aligned with Empower’s recordkeeping and administrative platforms.

Christina Kinsey is a financial advisor with Centaurus Financial, Inc. in Palm Coast, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Centaurus Financial since 1999 and also has long-term affiliations with Columbia Turiel, Investment Alliance, and Copper Penny. Outside of her advisory work, she serves as president of Landmark Tax & Investment Services Inc., a tax preparation and notary service firm. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a mix of fundamental and technical analysis within both discretionary and non-discretionary arrangements.

Melodee Pitts is a Series 66 licensed financial advisor with 19 years of industry experience. She has worked at Truist Advisory Services since 2016 and has been with Truist Investment Services since 2006. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager selection programs, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Olivia Smith is a financial advisor at Empower Advisory Group with eight years of industry experience. She holds a Series 66 designation and has worked previously at GWFS Equities, Bank of America, and Merrill. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm emphasizes long-term portfolio returns and integrates its advisory services with Empower’s recordkeeping and administrative platforms.

Laura Sterling is a financial advisor with Schwab Wealth Advisory in Palm Coast, FL, holding Series 63 and Series 66 designations and 26 years of industry experience. She has been with Charles Schwab and its affiliated advisory firms since 2005. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Elisa Maxwell is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Truist Advisory Services and its affiliated entities since 2014, including roles at Truist Investment Services and Bb&T Securities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations, utilizing both discretionary manager relationships and non-discretionary consulting supported by third-party platform arrangements.

Paula Ciotti is a financial advisor with Empower Advisory Group in Palm Coast, FL, holding Series 63 and Series 66 registrations and 17 years of industry experience. Her prior work includes roles at Signet Jewelers, Santander Bank and Securities, Jeffrey Photiades, Northwestern Mutual Investment Services, Durham Hannaford, and Morgan Stanley Private Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Kristen Mock is a financial advisor at Truist Advisory Services with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Truist entities, including Truist Investment Services and Truist Bank. Truist Advisory Services offers investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary approaches supported by third-party manager arrangements and AI-enabled research tools.

Thomas Savone is a financial advisor with Kestra Advisory in Bunnell, Florida. He holds a Series 63 designation and has 40 years of industry experience. Prior to joining Kestra Advisory in 2025, he spent 20 years with Commonwealth Financial Network and operated his own firm, Thomas Savone and Associates. He also serves as president of Savone Group, Inc. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, employee education, and utilizes multiple management platforms and third-party solutions to support its clients.

John Birney is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has operated JBirney Financial since 1987 and has volunteered as a college radio station DJ at Americana Radio since 2001. Birney also serves as Chair of the Early Learning Coalition of Flagler & Volusia. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial solutions through a network of 477 independent advisors.