Jonathan Higgins is a Series 65-licensed financial advisor with Sterling Advisory Services, LLC, based in Brandon, FL. His prior work experience includes roles at The University of Florida, Orlando Health, Florida Heart and Vascular, and Vascular and Endovascular Consultants of Orlando. Sterling Advisory Services, LLC is a solo registered investment adviser providing portfolio management and financial planning to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a combination of charting, fundamental, technical, and cyclical analysis to construct and monitor client portfolios and prepares customized Investment Policy Statements.

Eric Difrancesco is a financial advisor with Investors Choice in Tampa, FL, holding Series 63 and Series 65 designations and with 23 years of industry experience. He has been with Investors Choice since 2000 and concurrently serves as a U.S. government contractor involved in military-to-military exercise planning related to counterterrorism. Investors Choice is a registered investment adviser specializing in the sale and placement of insurance-based products such as index strategies, annuities, and life insurance. The firm’s approach centers on aligning investment strategies with clients’ long-term goals and risk tolerance through insurance company platforms, without trading client securities or holding custody of brokerage accounts.

Alexander Skijus is a financial advisor at True Life Wealth Management, LLC in Tampa, FL, holding a Series 65 credential and with 11 years of industry experience. He has worked at True Life Wealth Management since 2018 and previously at Sandy Morris Financial. Outside of his advisory role, Mr. Skijus is the owner and sole agent of Life Capital Strategies, an independent insurance agency. True Life Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients, offering ongoing portfolio management and financial plans. The firm employs a variety of analytical methods and a long-term trading approach, and it also provides a subscription newsletter that may include specific buy/sell recommendations.

Terence O'Grady is a CFP®-certified financial advisor with 28 years of industry experience. He is the principal of O'Grady Financial LLC, an independent firm he has led since 2019, following seven years at LPL Financial. O'Grady Financial LLC serves individual and high-net-worth clients with tailored investment management and comprehensive financial planning. The firm uses client-specific investment policy statements and fundamental analysis, along with third-party managers and model portfolios, to implement asset allocation and portfolio supervision.

Curtis Diaz is a Certified Financial Planner® with 10 years of industry experience, currently serving as the sole advisor at Great Blue Financial. His prior roles include positions at Northbridge Financial Group, LPL Financial, Cambridge Investment Research Advisors, and Fidelity Brokerage Services. Great Blue Financial is an independent, state-registered advisory firm that provides financial planning and portfolio management to individuals, employer retirement plan sponsors, and charitable organizations. The firm combines modern portfolio theory with both passive and active strategies, offering a range of services including pension consulting and retirement-plan advisory that are uncommon for firms of its size.

Kevin Kuo is the sole advisor at Kevin Investments and holds a Series 65 designation with one year of industry experience. He has a background in dentistry, working as an endodontist and root canal specialist at Kevin Dental, PLLC. Kevin Investments is a newly formed advisory firm that provides tailored financial and investment planning services to individuals and high-net-worth clients. The firm emphasizes passive index funds and ETFs, employing various analytical methods to inform recommendations, and delivers services primarily through one-time financial plans without discretionary portfolio management.

Mark Merrill Jr. is a Series 65-licensed financial advisor with five years of industry experience. He is the sole advisor at Modified Investments, an independent firm based in Tampa, FL, and has prior experience at DeBartolo Development, Clearwell Group, Franklin Street, and the University of Florida. Modified Investments serves a small number of primarily high-net-worth clients, providing discretionary portfolio management and separately managed accounts. The firm employs a variety of investment strategies, including long/short equity, and utilizes fundamental, quantitative, technical, charting, and cyclical analysis. It is notable for offering performance-based fee arrangements for qualified clients and requires asset custody with specified broker-dealers for best execution and research access.

Hi, I'm Amy - founder of AFT Planning, a fee-only financial planning firm serving clients in the Tampa Bay area and remotely across the US. I work with mid-career professionals who are ready to rethink what a fulfilling life can look like outside the traditional 9-to-5-until-65 path. Maybe you're feeling burnt out, curious about a sabbatical, considering a career change, or working toward financial independence. Whatever's driving the question, I help you build a plan that fits the life you're actually trying to live. My process starts with a strong financial foundation - cash flow, spending, savings, investments, tax strategy, insurance, and estate basics. From there, ongoing planning becomes a year-round thinking partnership: adapting as life evolves, modeling "what if" scenarios, and helping you make confident decisions about work, income, and lifestyle flexibility. I've been in the financial advice industry since 2012 and hold both the CFP® and CFA designations. I work on a fee-only basis with no investment minimums. Outside of work: niche museums, failing upwards at new hobbies, and petting cats.

Robert Guiterman is a financial advisor with Sealex Advisory, LLC in Tampa, FL, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has worked at Ameriprise LLC and Fsc Securities prior to joining Sealex Advisory in 2022. Guiterman is also a licensed insurance agent. Sealex Advisory provides portfolio management and financial planning services to individuals and high-net-worth clients, focusing on mutual funds, equities, ETFs, fixed income, and Treasury inflation-protected securities. The firm’s investment approach is based on modern portfolio theory and long-term trading, with an emphasis on documented risk tolerance and equitable allocation of investment opportunities.

Joseph Mcelwee is a CFP® professional with 19 years of industry experience, currently serving as the sole advisor at Legacy Wealth Planning Group since 2023. Prior to founding his firm, he worked for 17 years at T. Rowe Price Investment Services, Inc. in Tampa, FL. Legacy Wealth Planning Group is an independent advisory firm offering fee-based investment management and financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy combining fundamental, technical, and cyclical analysis, utilizing a broad range of investment instruments and active management techniques.

David Robbins is a financial advisor at Varney Wealth Management in Tampa, FL, holding a Series 65 designation with three years of industry experience. Prior to his advisory role, he worked for twenty years at the Florida Health Sciences Center, dba Tampa General Hospital. Varney Wealth Management is a solo advisory firm focusing on personalized financial planning for individual and high-net-worth clients, primarily with retirement-focused plans. The firm emphasizes low client costs, client education, and tailored planning without ongoing portfolio management or discretionary authority.

William Hussey is a CFP® with 22 years of industry experience, currently serving as the sole advisor at Cleartree Asset Management, Inc. Located in Tampa, FL, he has previously worked at Sutton Wealth Advisors, Inc. and Securities Service Network, Inc. Hussey holds a Series 66 license and has been with Cleartree since 2018. Cleartree Asset Management provides portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm employs a combination of fundamental analysis and modern portfolio theory, managing accounts with strategies that include long-term trading and more active techniques such as options and short sales, tailored to client objectives and risk tolerances.

Jamie Chatman is the principal of JC Venture Capital Investments LLC and holds a Series 65 designation. He has 10 years of experience serving with the Fort Lauderdale Police Department. JC Venture Capital Investments provides non-discretionary portfolio advisory services and financial planning to individuals, families, trusts, and closely held entities. The firm combines fundamental and macroeconomic analysis with strategic and tactical asset allocation, offering tailored advice across a range of investment options while maintaining client approval on all transactions.

Eric Odum is a financial advisor with Navigar Advisors, Inc. in Tampa, FL, holding Series 63 and Series 66 licenses and with 27 years of industry experience. He has been with Navigar Advisors since 2009. Outside of his advisory role, he is involved in commercial real estate brokerage and property management through Florida ROI Commercial Properties Brokerage, Inc. and Florida Investment Real Estate, LLC. Navigar Advisors provides portfolio management and financial planning services to individual and high-net-worth clients, implementing investment supervisory services across various securities with a client-specific Investment Policy Statement. The firm’s investment approach combines multiple analytical methods and trading strategies, conducting account reviews for policy and risk alignment.

Todd Tindall is the sole advisor at Guardian Advisors, LLC in Tampa, FL, holding Series 63 and Series 65 licenses with 33 years of industry experience. He has been with Guardian Advisors since 2003 and previously worked at CEA Atlantic Advisors, LLC and the Law Office of Robert Lott. Outside of his advisory role, he is a partner at Frontier Gateway Partners, a venture capital co-investment fund focused on early and later-stage private companies. Guardian Advisors, LLC is an independent advisory firm providing personalized financial planning and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm employs a strategic asset allocation approach with a core-and-satellite portfolio structure, combining passive index funds and ETFs with selective active management, and emphasizes documented client objectives through Investment Policy Statements.

Elizabeth Mc Mullen is a financial advisor at Star Harbor Investments Inc in Tampa, FL, holding Series 65 and Series 63 licenses with three years of industry experience. Her prior work includes roles at Morgan Stanley and E*TRADE Securities. In addition to her advisory work, she is also an independent insurance agent selling life and health insurance products. Star Harbor Investments Inc is an SEC-registered adviser providing customized investment management and portfolio analysis primarily for pooled vehicles and institutional-type clients. The firm employs a multi-disciplinary investment process and sponsors a wrap fee program that combines transaction, custodial, and administrative costs into a single asset-based fee.

Harry Orr is the sole advisor at Orr Financial, LLC, an independent registered investment adviser based in Tampa, FL. He holds Series 63 and Series 65 licenses and has 25 years of industry experience, having founded Orr Financial in 2001. Outside of his advisory work, he serves as managing member of L&O Leasing, LLC, a residential rental property management business. Orr Financial primarily serves individual clients, offering portfolio management, monitoring of third-party money managers, and financial planning. The firm’s investment approach focuses on asset allocation and modern portfolio theory, utilizing equities, fixed income, mutual funds, and ETFs, with due diligence applied to outside managers when recommended.

Samuel Martinez is the principal of S.mart Advising Inc in Tampa, FL, holding Series 63 and Series 65 licenses with 20 years of industry experience. His career includes roles at Crescendi Group, LLC, The Exit Strategy Co., and Blu Sky Coaching, Inc. Outside of advising, he serves as chairperson for Methodist United in Prayer, a nonprofit focused on fundraising and community outreach. S.mart Advising provides discretionary asset management, financial planning, and pension consulting services to individual investors and business entities, including qualified retirement plans. The firm utilizes platform- and model-based portfolio solutions, active co-advisory relationships, and a combination of analytical methods and trading strategies to manage client assets.

Christian Pearson is a financial advisor at 4 Vertical with 20 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to his current role, he worked at firms including Treloar & Heisel, Inc., MassMutual, and LPL Financial. He is also CEO of Alafia Consulting LLC, a business development firm for startups. 4 Vertical is an independent, state-registered investment adviser serving individuals and qualified retirement plans. The firm uses a tactical allocation strategy with customized portfolio management and offers pension consulting, participant education, and ERISA 3(21) advisory services on a primarily non-discretionary basis.

Dianne Hively is a Series 65 licensed financial advisor with 8 years of industry experience, currently serving as the sole advisor at Hivest Financial LLC in Tampa, FL. She has worked with Hivest Advisors Inc. since 2017 and Hivest Financial LLC (formerly Hobson Advisors LLC) since 2009. In addition to her advisory role, she is a partner in Staples Enterprises, Inc. and owner of Hobson Travel Ltd., and holds a CPA designation through which she performs consulting services within Hobson Advisors LLC. Hivest Financial provides advisory and financial planning services to high-net-worth individuals and corporate clients, focusing on investment planning, retirement and college planning, and debt and insurance reviews. The firm emphasizes fundamental analysis and employs a range of strategies including long-term, short-term, and options approaches, often directing clients to third-party investment advisers and including allocations to private funds and alternatives in client portfolios.