Richard Malmberg is a financial advisor with Schwab Wealth Advisory, Inc. in Orlando, FL, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Charles Schwab & Co., Stratos Wealth Partners, LPL Financial, Truist Investment Services, and TD Ameritrade. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach uses Charles Schwab’s asset allocation models and internal research tools, with at least annual reviews tailored to client goals and risk tolerance.

Leon Kearse is a financial advisor with Eagle Strategies (New York Life) in Maitland, FL, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Equity Services, National Financial Services Group, Park Avenue Securities, Guardian Life Insurance, and JPMorgan Securities. He has served in the United States Army Reserves since 2008. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated representatives. The firm emphasizes tailored recommendations across various program types and manages the majority of its assets on a non-discretionary basis.

David Peck is a Series 66-licensed financial advisor with Truist Advisory Services in Winter Park, FL. He has 23 years of industry experience, including roles at SunTrust Advisory Services and Suntrust Investment Services, Inc. for over a decade each. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with consulting services and utilizes third-party platforms and AI-enabled tools for investment research and manager due diligence.

Bryan Velasco is a financial advisor with Empower Advisory Group based in Winter Springs, FL. He holds Series 63 and Series 65 designations and has eight years of industry experience. His prior roles include positions at Robinhood Financial, U.S. Bancorp Investments, Bank of New York Mellon, and GWN Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Brian Dost is a CFP® professional with 23 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2015. His prior roles include positions at Charles Schwab & Co., TD Ameritrade, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance. The firm’s approach includes oversight of mutual funds, ETFs, separately managed accounts, and alternative investments, with trades executed only upon client authorization.

Austin Mitchell is a financial advisor with Truist Advisory Services in Winter Park, Florida. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining Truist, he worked at Charles Schwab and has experience in event management and billiard services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, fiduciary support, and a manager-selection program, utilizing both discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Evan Luchs is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Charles Schwab since 2021, with prior experience at Aflac and LSQ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, while trades require client authorization.

Philip Hallford is a CFP® credentialed advisor with 26 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has worked at Charles Schwab & Co., Inc. since 2003. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is guided by Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations while requiring client authorization for trades.

Kevin Murphy is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He has been with Charles Schwab in various capacities since 1999 and joined Schwab Wealth Advisory in 2012. Outside of his advisory role, he is a Class A member of Tiger Bay Farms, LLC, which manages a tree farm in the Tiger Bay State Forest. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach includes guidance on asset allocation and investment selection using Schwab’s proprietary research and models, with at-least-annual reviews tailored to clients’ goals and risk tolerance.

Michael Cline is a financial advisor at Schwab Wealth Advisory with 17 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory Inc. since 2012, as well as with Charles Schwab & Co., Inc. since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach uses standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance and requires client authorization for trades.

Victor Alarcon is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Charles Schwab & Co., Inc., Starbucks, and TSF Sportswear. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm offers guidance on asset allocation and investment selection using Charles Schwab’s asset-allocation models and internal research tools, with trades executed only upon client authorization.

Quienton Reynolds is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and its affiliates since 2008. Outside of his advisory role, he is involved in a family moving business based in St. Petersburg, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program, using Charles Schwab’s proprietary asset-allocation models and internal research tools. The firm offers tailored recommendations but does not exercise discretionary trading authority.

Todd Healy is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Outside of his advisory role, Healy serves as an assistant baseball coach at Lake Brantley High School. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to guide asset allocation and investment selection, with trades executed only upon client authorization.

Katherine Gonzalez is a financial advisor at Valic Financial Advisors with a Series 66 designation and one year of industry experience. Prior to joining Valic, she held various roles in education and public service, including positions with Orange County Public Schools and the City of Oviedo. She is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and unified managed account solutions through a large network of advisors.

Judah Ben Ernst is a financial advisor with Planmember Securities Corporation, holding a Series 66 credential and 18 years of industry experience. He is involved with multiple business ventures, including serving as president of Ernst & Associates Inc and working with Bencor, Inc., a 401(a) plan provider. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive while offering education and support services to plan sponsors and participants.

Mehdey Baker is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab & Co., Schwab Wealth Advisory Inc., Merit Financial Group, LPL Financial, Bank of America, Merrill, and New York Life Insurance Company. Outside of his advisory work, he owns Fluffy Tech Labs LLC, a company that involves collaboration with independent artists and software professionals. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Schwab’s asset allocation models and internal research tools, with trade execution only upon client authorization and an emphasis on tailored recommendations consistent with clients’ goals and risk tolerance.

Luz Hernandez Fortis is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. She has previously worked at Merrill Lynch, Bank of America, and BBVA Compass. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Michael Stephenson is a financial advisor at Planmember Securities Corporation with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including US Employee Benefits Service Group, FRS Partner, and Bencor Retirement Consultants. Outside of his advisory work, he operates a photography business, selling photographs at art and craft shows. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services such as seminars and personalized retirement planning.

Anibal Martinez Rodriguez is a CFP® and ChFC® credentialed financial advisor with 25 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2020, with prior roles at Citibank and Citi International Financial Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and research tools developed by Charles Schwab & Co.

Zhujun Yang Porter is a CFP® professional with 17 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has been with Charles Schwab and its affiliated entities since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, utilizing Charles Schwab’s asset-allocation models and research tools. The firm emphasizes client authorization for trades and conducts reviews tailored to individual goals and risk tolerance.