Richard Bulcavage is a CFP® with over 42 years of industry experience, currently affiliated with Money Concepts Capital Corp. He has worked at Money Concepts since 1985 and at Integrated Trust Systems since 2011. Outside of his advisory work, he is involved with Integrated Trust Systems, LLC, focusing on data collection activities unrelated to investments. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm manages approximately $4.07 billion in assets using model-driven and asset-allocation strategies, offering both discretionary and non-discretionary programs tailored to client profiles.

John Collins is a financial advisor with Truist Advisory Services in Tampa, FL, holding a Series 66 designation and 21 years of industry experience. He has worked at BB&T Securities, SunTrust Investment Services, and SunTrust Advisory Services, accumulating extensive experience across these related firms. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate 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 an integrated inter-affiliate operating structure.

Alexandre Santos is a CFP® with 25 years of experience in the financial services industry. He is currently with Cresset Asset Management, LLC and previously worked at UBS Financial Services for 11 years. Santos serves on the boards of the Vita Nova Foundation, which provides services to homeless youth, the University of Miami Sports Hall of Fame & Museum, and the Bayshore Little League in Tampa, where he is also president of the board and coaches. Cresset Asset Management is a multi-disciplinary adviser managing approximately $78.9 billion in client assets, serving individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles. The firm employs a disciplined, risk-aware approach combining strategic asset allocation, manager selection, and both active and passive implementation across a range of asset classes, including alternatives and private funds.

Richard Humphrey is a CFP® and ChFC® with 25 years of experience in financial advisory. He is currently with Steward Partners Investment Advisory, LLC and has previously worked at UBS Financial Services and Raymond James Financial Services. Humphrey is also involved as an insurance agent with Steward Partners Global Advisory. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering various advisory and portfolio management solutions.

Alyssa Neblett is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has 10 years of industry experience. She previously worked at Raymond James Financial Services and T. Rowe Price. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with oversight committees and provides bespoke discretionary solutions for large relationships.

Jervand Asatrjan is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds the Series 66 designation and has worked at CITI Private Bank since 2022. Prior to that, he held roles at Raymond James Financial Services and Raymond James & Associates from 2017 to 2022. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, and it operates with a scale and market role that includes in-house research and derivatives services.

Michael Olivia is a CFP® professional with 27 years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. He has held multiple roles at Guardian Life and its subsidiaries since 2014 and at Park Avenue Securities since 2017. Outside of his advisory work, he serves as an assistant coach and fundraiser for a local little league. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs, including discretionary and non-discretionary management and a hybrid digital advisory solution.

Steven Fox is a financial advisor with Janney Montgomery Scott in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Before joining Janney in 2021, he worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank from 2012 to 2021. Outside of his advisory role, he serves as President and board member of the Park Ridge Rotary and is Co-President of the Montvale Chamber of Commerce, both nonprofit and community organizations in New Jersey. Janney Montgomery Scott is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, estates, corporations, retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and multiple advisory programs.

Matthew Lochrane is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at Truist Advisory Services since 2019, as well as prior experience at Wells Fargo from 2015 to 2019. Located in Tampa, FL, he contributes to a large enterprise firm with over 2,000 advisors. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers services including asset allocation, fiduciary support, and a manager‑selection program, utilizing both discretionary and non‑discretionary approaches and incorporating AI-enabled research tools alongside supervisory oversight.

Jeremy Martin is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and six years of industry experience. His prior roles include positions at Northwestern Mutual and service in the U.S. Army. He also has an ongoing academic affiliation with the University of Colorado Denver. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm utilizes proprietary software and model portfolios from Morningstar Investment Management to provide personalized asset allocation and retirement guidance to a large client base.

Alberto Magliozzi is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 registrations and bringing 21 years of industry experience. His prior roles include positions at Raymond James Financial Services, E*TRADE Capital Management, and Charles Schwab. Outside of his advisory work, he is involved in real estate sales through his ownership of Magliozzi CRE LLC and his role at MRG Realty Partners. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles such as operating as a security-based swap dealer and futures commission merchant.

John Langford is a CFP® and ChFC® with 19 years of experience in the financial services industry. He is affiliated with Primerica Advisors and has worked at Park Avenue Securities since 2006 and Guardian Life Insurance Company since 2005. Langford serves on the board of the National Pediatric Cancer Foundation. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various lending and account-level services.

Karla Madrid is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James Financial Services and Invest Financial Corp. Outside of her advisory role, she is involved in property management as a landlord. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and security-pricing activities.

Maxwell Oglander is a CFA® charterholder and Series 65 licensed advisor with nine years of industry experience. He has worked at Truist Advisory Services since 2018 and previously at AXA Equitable, LLC and AIS Insurance and Financial. He is based in Tampa, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, participants, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and supervisory oversight for manager selection and ongoing reviews.

Melinda Cronin is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Principal Securities Inc. since 2000 and Principal Life Insurance Company since 1999. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.

Andrew Martin is a CFP® with 13 years of industry experience, currently affiliated with Citigroup Global Markets since 2022. His prior experience includes roles at Fisher Investments, Independent Financial Partners, Raymond James, Citizens Securities, and Merrill. Outside of his financial advisory work, he owns and operates Martin Security Training, providing martial arts instruction, self-defense, firearm safety, and cybersecurity basics for seniors. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm combines large institutional scale with unique market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Ryan Robinson is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at SEI Investments Company, Merrill, and Bank of America. Outside of his advisory role, he is the owner of Night Lights Designs LLC, a business for which he provides strategic guidance. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and commercial arrangements.

William Hornbeck is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds a Series 66 designation and has worked at Raymond James & Associates, Bank of America, and Merrill prior to his current role. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Ryan Bates is a financial advisor with AE Wealth Management, LLC in Lakeland, FL, holding a Series 65 credential and 12 years of industry experience. His prior roles include positions at Saxony Securities and Kalos Management. He serves as Chapter President for the American Financial Education Alliance in Polk County, FL, where he conducts financial education workshops. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individual households, corporations, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs, employing fundamental, technical, and cyclical analysis methods across various investment strategies.

Dejon Singleton is a financial advisor with Truist Advisory Services in Tampa, FL, holding Series 63 and Series 66 designations and 10 years of industry experience. His prior roles include positions at Ameriprise Financial Services and T. Rowe Price. Outside of his advisory career, he works as an Uber Eats driver. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary management with support from third-party platforms and emphasizes integrated inter-affiliate operations.