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.

Marc Lawrence is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has worked at various SunTrust entities since 2013. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate resources.

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.

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.

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.

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.

Travis Taylor is a financial advisor with Empower Advisory Group, holding a Series 65 designation and based in Spring Hill, FL. He has experience with Empower Financial Services since 2021 and has previously worked in the title industry. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and is closely tied to Empower’s recordkeeping and administrative platforms.

Erin Rey is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has worked at Suntrust Investment Services and SunTrust Advisory Services since 1995. Truist Advisory Services offers investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships supported by third-party platforms and AI-enabled research tools.

Shawn Nazario is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. He has worked with Transamerica Investors Securities Corporation and TransAmerica Retirement Solutions since 2014. Outside of his advisory role, he is involved with the Peninsula Baseball Umpires association, serving as a baseball umpire for local recreational and high school games. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm’s approach includes asset allocation guidance and personalized portfolio construction supported by Morningstar Investment Management’s proprietary tools.

Anthony Cefolo is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with T. Rowe Price since 2015. Outside of his advisory role, he works as a food delivery driver for Uber Eats and DoorDash. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm utilizes model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, with features including tax-aware rebalancing and Monte Carlo-based retirement income projections.

Richard Shaw is a financial advisor with Edward Jones in Brooksville, FL, holding a Series 66 designation and 22 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tanner Booth is a financial advisor at Edward Jones in Homosassa, Florida, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Gerald Gruber is a CFP® professional with 15 years of experience at Edward Jones, where he has worked since 2011. He holds Series 63 and Series 66 licenses. In addition to his advisory role, he is an author of books based in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Elizabeth Umstead is a financial advisor at Edward Jones with five years of industry experience. She holds a Series 66 designation and has previously worked at Kennedy Wealth Management, First Command Advisory Services, and Access Health Care Physicians, LLC. Outside of her advisory work, she is involved as a co-trustee of the Michael (Roberts) and Elizabeth Umstead Family Trust and participates in direct marketing through Amway. Edward Jones is a full-service wealth management firm serving a wide range of clients, including individual and institutional investors. The firm offers various investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.

Karen Relyea is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds a Series 63 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Russell Brander is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 1996, specializing in personal retirement planning, individual and corporate investment strategy, and retirement income. Russell holds a Bachelor's Degree from Bucknell University and a Master's Degree from Florida Metropolitan University. He is certified as a CERTIFIED FINANCIAL PLANNER (CFP) and is a Personal Investment Advisor (PIA). His approach focuses on developing personalized financial plans that consider clients’ unique ambitions and priorities, including funding education, planning for retirement and healthcare costs, and achieving long-term family goals. Outside of his professional work, Russell enjoys biking, boating, golfing, and traveling.

Ronald Wheeles is a financial advisor with Edward Jones in Brooksville, FL, holding Series 63 and Series 66 licenses and 29 years of industry experience. He has been with Edward Jones since 1996. Outside of advising, he is a notary public authorized to officiate weddings and other ceremonies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. It offers a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Scott Charboneau is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. prior to joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.