Ruby Watson is a CFP® and ChFC® affiliated with Koss-Olinger Consulting, LLC, based in Gainesville, FL. She has experience at the firm since 2023 and has held various roles, including positions at the University of Florida and local organizations such as Spurrier's Gridiron Grille and Gainesville Soccer Alliance. Koss-Olinger Consulting serves high-net-worth individuals, families, and institutional clients with integrated wealth management and financial planning, utilizing a structured, client-centered process and a range of investment strategies across multiple asset types.

Jordan Harriz is a financial advisor at Koss-Olinger Consulting, LLC. He holds a Series 65 credential and has two years of industry experience. Prior to his advisory role, he worked in veterinary and wildlife services. Outside of finance, he owns and operates a custom fishing rod business. Koss Olinger Consulting, LLC serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities, providing financial planning, investment supervisory services, and portfolio management. The firm employs a structured investment process called The Wealth Navigator System™ and manages approximately $2.08 billion in assets.

Darla Greer is a financial advisor at Collaborative Wealth with 40 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including LPL Financial, Cetera Advisors, and Falcon Financial. Greer has also provided administrative support to Collaborative Wealth, dedicating significant time to that role. Collaborative Wealth Management is an SEC-registered advisory firm with a team of nine advisors managing approximately $564 million for a diverse client base including individual and high-net-worth households, pension plans, and nonprofits. The firm employs a combination of fundamental and technical analysis to construct portfolios, offering both discretionary and non-discretionary management alongside comprehensive wealth planning services.

Larry Resczenski is a financial advisor at Collaborative Wealth with 24 years of industry experience. He holds Series 63 and 65 licenses and has worked at firms including LPL Financial and Markey Investment Management. He serves as Treasurer of his condominium association. Collaborative Wealth provides financial planning and portfolio management services to individuals, including high-net-worth and multi-generational households, as well as institutional clients. The firm employs a combination of fundamental and technical analysis to develop long-term asset allocation strategies and operates a private real estate fund that integrates AI-assisted underwriting and blockchain-anchored reporting.

Shannon Reintgen is a CFP® with 12 years of industry experience, currently serving at Koss-Olinger Consulting, LLC and Koss Olinger and Company since 2015. She previously worked with Valmark Securities, Inc. from 2014 to 2025. Reintgen is president of the Estate Planning Council in Gainesville, FL, where she helps organize events and secure guest speakers. Koss Olinger serves high-net-worth individuals, families, charitable entities, and businesses with integrated wealth management and financial planning. The firm uses a structured, phased planning process and employs fundamental, technical, and managerial analysis in portfolio management, overseeing more than $2.2 billion in assets under management.

James Merchant is a CFP® and ChFC® with 11 years of experience in the financial services industry. He is currently with Koss-Olinger Consulting, LLC, where he has worked since 2023. His prior experience includes roles at Valmark Securities Inc., Merrill Lynch, and Nationwide Investment Services Corp. Outside of his advisory work, Merchant operates an eBay account selling personal items as a hobby. Koss Olinger serves individuals, families, charitable entities, trusts, estates, pension and profit-sharing plans, and business clients with integrated wealth management and financial planning. The firm employs a structured, client-centered planning process and offers discretionary and non-discretionary portfolio management using a range of investment strategies and proprietary planning tools.

David Chadwick is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Total Clarity Wealth Management, Inc. He has held roles at LPL Financial LLC, Capital Point Financial Group, Ltd., Hancock Investment Services, Inc., and Hancock Bank. Chadwick also manages Pinchot Road Advisors LLC, a business entity established for tax and investment purposes. Total Clarity Wealth Management is a multi-advisor firm serving individual and high-net-worth clients, trusts, estates, charitable organizations, and employer retirement plans. The firm offers discretionary portfolio management, financial and retirement planning, 401(k) plan advisory, and donor-advised fund services, employing a variety of investment strategies including model portfolios, third-party separately managed accounts, and proprietary programs with varying risk profiles.

Hartley Carlson is a financial advisor with Koss-Olinger Consulting, LLC., holding a Series 66 designation and three years of industry experience. His prior roles include positions at Valmark Securities Inc., James Moore & Co., and Charles Perry Partners, Inc. He is based in Gainesville, FL. Koss Olinger provides integrated wealth management and financial planning services to individuals, families, charitable entities, trusts, estates, pension and profit-sharing plans, and business clients. The firm employs a structured, client-centered planning process and utilizes a range of investment strategies, including fundamental, technical, and managerial analysis, supported by proprietary planning tools.

Brandon Hord is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He is currently with Koss-Olinger Consulting, LLC and has prior experience at ValMark Securities Inc. and Koss Olinger & Company. Outside of financial advisory work, he has served with Canaveral Fire Rescue. Koss Olinger Consulting, LLC serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities by providing financial planning, investment supervisory services, and portfolio management. The firm employs a structured process called The Wealth Navigator System™ and manages approximately $2.08 billion in assets.

Kirk Klein is a CFP® and ChFC® with 34 years of experience in the financial services industry. He has been with Koss Olinger Consulting, LLC and Koss Olinger & Company since 2000 and was previously affiliated with ValMark Securities, Inc. Klein serves as a board member of Junior Achievement of Tampa and is president of the board at Oak Hall School. Koss Olinger Consulting, LLC provides integrated wealth management and financial planning services to individuals, families, charitable entities, trusts, estates, pension and profit-sharing plans, and business clients. The firm follows a structured, client-centered planning process and employs a range of portfolio management strategies, serving clients generally meeting high asset thresholds.

Jessica Sacks is a CFP® professional at Koss-Olinger Consulting, LLC with five years of industry experience. She has been with Koss Olinger since 2018 and previously worked at Gainesville Holistic Center and Weight Loss Solutions. Koss Olinger serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities, providing financial planning, investment supervisory services, and portfolio management. The firm uses a structured process called The Wealth Navigator System™ and manages approximately $2.08 billion in assets.

Mitchell Hay is a CFP® professional with 10 years of industry experience, currently serving at Koss-Olinger Consulting, LLC. He has worked at Koss Olinger & Company and ValMark Securities, Inc., and spent one year at Fidelity Brokerage Services LLC. Outside of his advisory role, he serves as a board member for an education foundation supporting Alachua County public schools. Koss Olinger Consulting, LLC serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers financial planning, investment supervisory services, and portfolio management using a structured process called The Wealth Navigator System™.

William Rossi III is a CFP® and ChFC® with 28 years of industry experience. He has worked at Valmark Securities, Inc. for 25 years and has been with Koss Olinger & Company and Koss-Olinger Consulting, LLC. since 1997. Outside of his advisory work, he serves on the board of Tylers Hope and the Community Foundation of North Central Florida. Koss Olinger serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities by providing financial planning, investment supervisory services, and portfolio management. The firm employs a structured advisory process called The Wealth Navigator System™ and manages approximately $2.08 billion in assets.

Brian Watson is a CFP® with 27 years of industry experience, currently serving as a partner at Koss Olinger Consulting, LLC. He has been with Koss Olinger and its affiliated entities since 1998 and previously worked at Valmark Securities, Inc. Outside of his advisory role, Watson is vice president of the Gainesville Soccer Alliance, a nonprofit organization. Koss Olinger Consulting serves high-net-worth individuals, pension plans, trusts, estates, charitable organizations, and businesses by providing financial planning, investment supervisory services, and portfolio management. The firm uses a structured process called The Wealth Navigator System™ and manages approximately $2.08 billion in assets.

Kasey Nelson is a financial advisor at Koss Olinger Consulting, LLC in Gainesville, FL, holding a Series 65 designation with six years of industry experience. Her career includes roles at Koss Olinger & Company, Valmark Securities, Inc., and Keyes Stange and Wooten Wealth Management LLC. Koss Olinger Consulting serves individuals, families, charitable entities, trusts, estates, pension and profit-sharing plans, and business clients by providing integrated wealth management and financial planning services. The firm uses a structured, client-centered planning process called The Wealth Navigator System™ and manages portfolios using a combination of fundamental, technical, and managerial analysis with strategies that may include options and private assets.

Victoria Harrison is a financial advisor with MissionSquare Retirement, holding a Series 66 credential and seven years of industry experience. Prior to joining MissionSquare in 2025, she worked at Transamerica Investors Securities Corporation and Transamerica Life Insurance Company for five years, and also held roles at Bank of America and Merrill. Outside of her advisory career, she was involved with Inspired Cooking LLC, a food-related business, from 2013 to 2016. MissionSquare Retirement serves state and local government employers, their employees, and certain non-profit entities by administering deferred compensation and qualified retirement plans. The firm offers plan administration, recordkeeping, education, and Guided Pathways Advisory Services, with investment advice developed by Morningstar Investment Management and delivered across multiple channels within MissionSquare-administered accounts.

Shawn Bennett is a financial advisor at Inspire Advisors, LLC with 31 years of industry experience. He holds Series 65 and Series 63 licenses and previously spent 27 years at Valic Financial Advisors. He serves as a treasurer on a homeowners association board, providing oversight on community repairs and financial matters. Inspire Advisors, LLC manages approximately $1.33 billion in discretionary assets, serving individual clients, including high-net-worth individuals, as well as institutions and charitable organizations. The firm incorporates Biblically Responsible Investing into its advisory process and employs a range of analytical methods to build portfolios, often utilizing proprietary ETFs and sub-advisors.

Osvaldo Delgado Jr. is a financial advisor with Kovack Advisors, Inc., holding a Series 66 designation and 17 years of industry experience. He has been with Kovack Advisors and its affiliate Kovack Securities since 2012. Outside of his advisory role, he is involved as Chief Operating Officer and partner of a digital marketing agency serving churches and nonprofit organizations. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension and profit-sharing plans, charitable organizations, banks, and government entities, offering a range of advisory services including portfolio management, financial planning, and access to sub-advisory programs.

Sheryl Bennett is a financial advisor at Inspire Advisors, LLC with eight years of industry experience. She holds a Series 66 designation and has worked previously at Valic Financial Advisors and Agia. Outside of advising, she is an independent licensed insurance agent specializing in life, health, and variable annuity products. Inspire Advisors, LLC manages approximately $1.33 billion in discretionary client assets, serving individual clients— including high-net-worth individuals— as well as institutions and charitable organizations. The firm incorporates Biblically Responsible Investing through proprietary tools and employs a variety of analytical methods to construct portfolios, often utilizing sub-advisors and proprietary ETFs.

Cole Closser is a financial advisor at IPI Wealth Management, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Investment Planners Inc and IDP Connect. Prior to his advisory roles, he held positions at Clark University and Audley Travel. IPI Wealth Management, Inc. provides investment management, financial planning, and access to third-party asset managers for individuals, businesses, and retirement plans. The firm manages approximately $2.65 billion in client assets and offers a range of proprietary, risk-based model portfolios within an open-architecture platform.