Shane Spence is a CFP® professional with two years of industry experience, currently serving at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at Charles Schwab & Co., The LifeWealth Group, Madison Avenue Securities, AE Wealth Management, Equitable Advisors, and Earned Wealth. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Joseph Continelli is a financial advisor with Schwab Wealth Advisory holding Series 63 and Series 65 licenses and has three years of industry experience. His prior roles include positions at LifeWealth Investments, Madison Avenue Securities, AE Wealth Management, Bank of America, and TD Ameritrade. He is also involved in insurance sales through The LifeWealth Group. Schwab Wealth Advisory serves clients enrolled in its program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach uses Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Nathaniel Kahn is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Fidelity Investments, Charles Schwab, and First National Bank of Omaha. Kahn also serves as a Sergeant in the Army National Guard. 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 offers guidance on asset allocation and investment selection using Charles Schwab’s models and research tools, with at-least-annual reviews tailored to clients' goals and risk tolerance.

Kristina Jeffries is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab and Schwab Wealth Advisory since 2004 and 2012, respectively. 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’s approach includes asset allocation guidance and investment selection supported by internal research tools, with client accounts reviewed at least annually and managed according to individual goals and risk tolerance.

Alexander Chin is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. and Hillpointe Corporate Management. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s investment guidance is based on proprietary asset-allocation models and internal research, with recommendations tailored to each client’s goals and risk tolerance.

Everett Johnson is a Series 66-credentialed advisor with nine years of industry experience. He currently works at Schwab Wealth Advisory in Orlando, FL, where he has been since 2022. His prior roles include positions at Newport Group Securities, JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, and Aon. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s investment guidance is based on internal research and asset-allocation models, with recommendations tailored to clients’ goals and risk tolerance, while trades require client authorization.

Anthony Decotis is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and bringing nine years of industry experience. His prior roles include positions at Bank of America, Merrill, and Charles Schwab & Co. since 2018. Schwab Wealth Advisory 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 standardized asset-allocation models and internal research tools. The firm emphasizes client authorization for trades and provides at-least-annual reviews tailored to individual goals and risk tolerance.

Daniela Sierra Castaneda is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill, Bank of America, and Charles Schwab & Co. Her background also includes roles outside finance, such as at The Diplomat Beach Resort and D'angelo Pizza. Schwab Wealth Advisory 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. The firm’s investment approach is based on standard asset-allocation models and internal research tools, with client authorization required for trades and recommendations tailored to individual goals and risk tolerance.

Michael Payne is a financial advisor with PlanMember Securities Corporation in Oviedo, FL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been associated with multiple entities including Payne Retirement, Payne Financial Group, and Retirement Planning Associates since 2017. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary for many plans and offering participant-level investment options through its asset allocation portfolios. The firm employs a strategic asset allocation framework and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Christopher Burke is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and six years of industry experience. His work history includes roles at Charles Schwab since 2019 and prior experience with Campus Crusade For Christ. 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, using Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment decisions. The firm emphasizes client authorization for trades and typically recommends separately managed accounts managed by third-party or affiliated managers.

Jonathan Winslow is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. Prior to that, he worked at Water Oak Advisors LLC for two years. Outside of advisory work, Winslow owns and operates Winslow Financial Services, LLC, a tax preparation business in Altamonte Springs, Florida. Creative Planning is a large enterprise firm managing approximately $217 billion in assets, offering comprehensive investment advisory and financial planning services to a broad client base including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment approach focused on low-cost indexing and buy-and-hold strategies, supplemented by specialized portfolio management and retirement plan services, supported by affiliated legal, trust, and recordkeeping businesses.

Brian Salerno is a CFA® charterholder and Series 63 licensee with 11 years of industry experience. He is currently with CNR Securities, a part of RBC Rochdale, LLC. RBC Rochdale serves a diverse range of clients including high net worth individuals, investment companies, corporations, charitable organizations, and public entities. The firm employs a multi-strategy investment process combining quantitative screening, statistical modeling, and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes.

Clifford Woodard is a CFP® and holds a Series 66 license with 14 years of industry experience. He has been with Charles Schwab and Schwab Wealth Advisory Inc. since 2016. 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 Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to guide investment selection, while clients maintain trading authorization.

Tanya Black is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and 25 years of industry experience. She has been with Schwab Wealth Advisory since 2012 and associated with Charles Schwab & Co., Inc. since 2000. 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 and certain referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on each client’s goals and risk tolerance, with trades executed only upon client authorization.

Graham Pettis is a financial advisor with Eagle Strategies (NY Life) in Maitland, FL, holding Series 63 and Series 65 designations and five years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, Aspired Consulting, Waystone Partners, and Altus Jobs. He serves as a board member and treasurer for Heroes Strong, an organization supporting first responders and military personnel, and holds leadership and board roles in community and church organizations. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice through various program types and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Mark Vroman is a CFP®-designated financial advisor with 24 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. His work history includes roles at American Portfolios Advisors, JCR Settlements, and Garrison Settlements. Vroman is involved in several investment-related business activities, including operating Radiant Wealth Planning and serving as president of Collaborative Settlements, LLC. United Planners Financial Services is a national wealth-management firm 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 emphasizes non-discretionary account management.

Michelle Meeks is a CFP® professional with 26 years of industry experience, currently serving at Truist Advisory Services since 2016. She holds the Series 66 designation and is based in Lake Mary, FL. Her career has been centered at Truist, including roles at Truist Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver investment solutions across a wide client base.

Taylor Ayres is a CFP® professional with four years of industry experience, currently with Schwab Wealth Advisory, Inc. in Orlando, FL. Prior to this, Ayres held roles at several firms including Creative Planning, Cetera, Avantax, Merrill, and Bank of America. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily 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 guide investment decisions, while trading occurs only with client authorization.

Anne Nemeth is a CFP® professional with two years of experience in the financial advisory industry. She currently works at Schwab Wealth Advisory and Charles Schwab in Orlando, FL. Prior to this, she held roles at SECU, ABB, and Alpaca Audiology. Outside of her advisory work, she engages in reselling used items on an online platform. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab. The firm’s guidance is based on proprietary asset allocation models and internal research, with trades executed only upon client authorization.

Kelly Harris is a financial advisor with Empower Advisory Group in Maitland, FL, holding Series 63 and Series 66 licenses and five years of industry experience. Her work history includes roles at Empower Financial Services, Commonwealth Financial Network, Stonebridge Financial Planning Group, and Robinhood. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm’s integrated model combines proprietary and third-party methodologies to deliver point-in-time financial plans and optional managed account solutions.