Ryan Golinski is a financial advisor at Gradient Securities, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Outside of his advisory role, Golinski owns and operates Golinski Tax Prep, LLC, where he prepares and reviews tax returns. Gradient Securities, LLC, operating as Gradient Wealth Management, provides financial planning, consulting, third-party manager referrals, and non-discretionary asset management to individuals, pension and profit-sharing plans, trusts, estates, corporations, and other business entities. The firm combines SEC-registered advisory services with FINRA-registered broker-dealer activities and routinely uses third-party managers while maintaining non-discretionary client approval for trades.

Angela Oestreicher is a financial advisor at Truist Advisory Services with two years of industry experience. She holds the Series 66 designation and previously worked at Merrill and SunTrust/Truist Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering solutions such as asset allocation analysis, fiduciary support, and a manager-selection program. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled tools and inter-affiliate integration.

Michael Rossetti is a financial advisor at AE Wealth Management, LLC with four years of industry experience. He holds a Series 65 designation and has worked with FDR Wealth Management, LLC since 2021. Outside of advisory services, Rossetti has experience in insurance sales and services through his roles at FDR Financial Group and FDR Financial Services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services such as model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services, supported by a platform that integrates models managed internally and by third parties.

Patrick Fitzpatrick is a financial advisor with Truist Advisory Services in Brooksville, Florida, holding Series 63 and Series 66 licenses and having 15 years of industry experience. He has been affiliated with SunTrust entities since 2013, including roles at SunTrust Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform arrangements and AI-enabled research tools.

Joseph Di Vincenzo is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Truist Advisory Services and previously worked with USAA Financial Advisors. Di Vincenzo operates out of Brooksville, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and access to third-party manager programs, combining discretionary and non-discretionary approaches with integrated inter-affiliate resources.

Michelle Best is a CFP® professional with over 23 years of experience in the financial services industry. She is currently affiliated with United Planners' Financial Services of America as a Limited Partner and has prior experience at firms including The Vanguard Group, CliftonLarsonAllen Wealth Advisors, and TIAA-CREF. United Planners Financial Services is a national wealth-management enterprise serving a broad client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services through independent representatives and manages a significant portion of its assets on a non-discretionary basis.

Andreas Schmitke is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 17 years with T. Rowe Price Investment Services, Inc. in Hudson, Florida. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The service targets individual investors and households with significant investable assets and includes annual reviews supported by an interactive online planning tool.

Ryan Saxe is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Truist Advisory Services since 2016 and has worked at Truist Investment Services, Inc. since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Spencer Dix is a financial advisor at AE Wealth Management, LLC with five years of industry experience. He holds a Series 65 designation and has been involved with Costa Rica Land Capital Partners since 2020, focusing on marketing and IT operations. Dix also serves as Vice President of Operations and Associates Producer at Baum Financial Services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a variety of services such as model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services, utilizing a platform that combines models managed by AEWM, third-party strategists, and advisor-managed models.

Chad Rowland is a financial advisor at Truist Advisory Services with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SunTrust entities since 2015, including roles at Suntrust Investment Services and Suntrust Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and inter-affiliate integration, to deliver its investment solutions.

Ryan Dixon is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. He has worked at Ballast Wealth Partners and Harwood Advisory Group prior to his current roles. In addition to advisory work, he is involved in fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, along with operational, compliance, and practice-management support, while allowing advisors discretion in portfolio construction and access to model portfolios managed by its Investment Management and Research team.

Christopher Costello is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and having two years of industry experience. He has been with Transamerica Investors Securities Corporation since 2024 and has worked with Transamerica Retirement Solutions since 2016. Outside of his advisory role, he has occasionally worked as a rideshare driver for Uber and Lyft. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm relies on Morningstar Investment Management for portfolio construction and oversight, providing both managed and non-discretionary recommendations to a broad client base.

James Whittemore is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been associated with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2013. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm utilizes proprietary software and model portfolios developed by Morningstar Investment Management to provide personalized asset allocation and retirement guidance.

Agron Elmazi is a CFP® professional with 16 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. He has worked at T. Rowe Price since 2014, with a brief tenure at Fidelity Investments and Facet Wealth. Outside of finance, he has had short-term involvement in the restaurant industry. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with investable assets of approximately $250,000 or more.

Tereza Tancau is a financial advisor with Fifth Third Securities, Inc. in Wesley Chapel, FL, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She has been with Fifth Third Securities since 2013 and affiliated with Fifth Third Bank since 2005. Fifth Third Securities provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Jason Kamp is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at Brokers International Financial Services, Questar Asset Management, Questar Capital Corporation, and Professional Insurance Systems. Outside of advisory work, he is involved in insurance marketing and real estate sales, and owns an insurance agency. Integrity Alliance serves a diverse client base, including high-net-worth individuals, charitable organizations, corporations, and retirement plans, offering asset management, financial planning, and consulting through a network of independent advisers. The firm employs a variety of investment strategies and provides discretionary portfolio management supported by multiple custodial platforms and program sponsors.

Daniel Sullivan is a CFP® professional with 30 years of experience in the financial advisory industry. He has been associated with Truist Advisory Services and Truist Investment Services since 2016. Based in Brooksville, FL, Sullivan holds Series 63 and Series 65 licenses. 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, and fiduciary support, utilizing a combination of discretionary manager relationships and third-party platforms to deliver its services.

John Kent is a financial advisor at Allworth Financial, L.P. in Spring Hill, FL, with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fisher Investments, Fidelity Brokerage Services LLC, and T. Rowe Price. Allworth Financial is an SEC-registered, fee-based adviser serving individuals, high-net-worth clients, retirement plans, trusts, charitable organizations, and corporate clients. The firm offers customized portfolio strategies, comprehensive financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary asset management approaches.

Ahmet Kildis is a financial advisor with Fifth Third Securities, Inc. He holds Series 63 and Series 66 designations and has 22 years of industry experience. Prior to joining Fifth Third Securities and Fifth Third Bank in 2018, he worked at SunTrust Advisory Services and SunTrust Investment Services. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate and business 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.

Kristi Bailey is a financial advisor at Truist Advisory Services with 12 years of industry experience. She holds Series 63 and Series 66 registrations and previously worked at Wells Fargo Clearing, Wells Fargo Advisors, and Wells Fargo Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, offering asset allocation, fiduciary support, and a manager‑selection program. The firm combines discretionary manager relationships with third‑party platform arrangements and integrates services across affiliated entities.