Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. in Orlando, FL, holding a Series 66 designation with two years of industry experience. His career includes prior roles at Charles Schwab and Berkshire Hathaway Guard. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s standard asset-allocation models and research tools. The firm’s advice is tailored to client goals and risk tolerance and includes trade execution only with client authorization.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding the Series 63 and Series 66 designations and bringing 26 years of industry experience. She has worked at various entities within Charles Schwab since 2004, including Schwab Wealth Advisory since 2019. Kotroba serves as a member of the finance committee at St. Mary Magdalen Catholic School, where her children are enrolled. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools while executing trades only with client authorization.

Michael Barclay is a financial advisor with Truist Advisory Services in Orlando, FL. He holds a Series 66 designation and has five years of industry experience. His prior work includes positions at Securian Financial Services, Evershore Financial, and Minnesota Life Insurance Company. Before entering financial services, he worked for the City of Winter Springs for 25 years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm integrates discretionary and non-discretionary management approaches and employs AI-enabled tools to support its investment research and manager selection processes.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior experience includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, and USAA Investment Management Company. Outside of his advisory work, he has been involved with AdvoCare, a health and wellness company, as a distributor of nutritional and sports performance products. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and internal research, with recommendations tailored to each client’s goals and risk tolerance.

Emanuel Guillen is a CFP® and Series 66-licensed financial advisor with Schwab Wealth Advisory in Orlando, FL. He has three years of industry experience, including roles at Schwab Wealth Advisory and Charles Schwab since 2023. Prior to entering the financial industry, he worked in education and managed a seafood market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Shane Mahadeo is a financial advisor with Transamerica Financial Advisors holding a Series 66 designation and two years of industry experience. His prior work includes roles at USHEALTH Advisors Orlando, World Financial Group Insurance Agency, and several entrepreneurial ventures such as Mahindra Enterprises Inc. and Mahasha Mobile Car Detailing INC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party investment models, managing over $2 billion in assets under management as of the end of 2025.

Raymond Duenas is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has held leadership roles including CEO and founder of Stewardship America Financial and Stewardship America Insurance LLC, and serves as trustee of The Duenas Family Living Trust. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, and features a predominantly non-discretionary asset mix.

Kirby Massey is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor with Schwab Wealth Advisory in Orlando, FL. He has five years of industry experience, including roles at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey has been with Schwab Wealth Advisory since 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach centers on asset allocation and investment selection guided by internal research and standard models, with client authorization required for all trades.

Scott Free is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at Charles Schwab, Freedom Resources, and USAA Financial Planning Services. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research, with customized recommendations and client-authorized trades.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, Florida. He holds Series 63 and Series 66 designations and has 25 years of industry experience. Nathan has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Schwab’s asset allocation models and research tools, offering personalized recommendations with client authorization required for all trades.

Kenneth Spafford is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual, and MassMutual Trust Company, FSB. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and research tools.

Steven Finnegan is a financial advisor at Schwab Wealth Advisory with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated firms since 1999. Based in Orlando, FL, he has served at Schwab Wealth Advisory since 2012. 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. The firm’s investment guidance is based on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual goals and risk tolerance.

Elkin Castillo is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2010. Outside of his advisory work, he has managed a single-family rental property since 2004. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Joshua Neuville is a financial advisor with Fifth Third Securities, Inc. in Apopka, Florida. He holds Series 63 and Series 65 credentials and has two years of industry experience. Prior to his current roles, he worked in real estate with Jeff Cook Real Estate and has experience in the restaurant industry, including positions at La Tela Pizzeria and Fat Hen. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs through its Passageway platform, combining third-party portfolio managers, strategist portfolios, and advisor-managed options, with distinctive features such as direct indexing and tax-overlay services.

Bradley Baltman is a CFP® and holds a Series 66 license, with two years of industry experience. He is currently an advisor at Schwab Wealth Advisory, Inc. Prior to this, he worked at Charles Schwab & Co., Inc. and CAPTrust. 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-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research, with investment recommendations tailored to individual client goals and risk tolerance.

Joseph Jarrett is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently with Truist Advisory Services, where he has worked since 2018, following prior roles at Merrill Lynch and Edward Jones. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and a multi-affiliate operating structure.

Juan Remacha is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds a Series 66 designation and has been with Schwab Wealth Advisory Inc. since 2016, as well as Charles Schwab since 2014. Based in Orlando, FL, his career focuses on providing investment advisory services within the Schwab platform. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm utilizes proprietary asset-allocation models and internal research tools to tailor recommendations, with account reviews conducted at least annually.

Arban Preniqi is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 66 designation and four years of industry experience. He has worked at Bankers Life Advisory Services, Bankers Life Securities, and Bankers Life & Casualty since 2021, and previously held roles at Bank of America and AT&T. In addition to his advisory work, he serves as a Unit Field Trainer for Bankers Life & Casualty, recruiting and training insurance agents. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach includes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis.

Caitlyn Brophy is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and seven years of industry experience. She has been with Charles Schwab and its affiliated entities since 2018. Prior to her financial services career, she worked at Monmouth University and had brief roles at Tallman Swim Club and Tomasello Winery Tasting Room. 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 emphasizes guidance on asset allocation and investment selection using proprietary models and internal research, with client authorization required for all trades.

Cuthbert Mbewe is a financial advisor with Schwab Wealth Advisory who holds a Series 66 designation and has 13 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory since 2017 and previously held roles at SunTrust and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.