Angela Maraj is a financial professional with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. Outside of financial services, Maraj is president of two environmental consulting firms, M&M Group Enterprises Inc and Botanica Inc. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a variety of financial planning and investment management services, utilizing both strategic and tactical approaches overseen by its Investment Management & Research team.

Jeffrey Gonyo is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been associated with Steward Partners and its related entities since 2014, including roles at Steward Partners Investment Solutions, LLC and Steward Partners Global Advisory, LLC. He also maintains an agent position in non-variable insurance through Steward Partners Global Advisory. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations with a range of investment advisory, financial planning, and managed account programs.

Christina Constantine is a financial advisor with Empower Advisory Group in Clearwater, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has worked at GWFS Equities, Inc. since 2014 and has been associated with Raymond James & Associates since 1999. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party planning tools focused on long-term portfolio returns and savings rates, with services delivered through Empower’s recordkeeping and administrative platforms.

Andrew Hoffman is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Third Bridge Group Limited, Nasdaq, and Brandeis International School of Business. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering investment advisory, financial planning, pension consulting, and managed account programs.

Donald Miller is a financial advisor with Independent Financial Partners, holding the CFP® designation and Series 63 and 65 licenses, and has 28 years of industry experience. Prior to joining Independent Financial Partners in 2024, he spent ten years at SCF Investment Advisors, Inc. and SCF Securities, Inc. He serves as a board member of the Villas of Holmes Beach Condominium Association, providing oversight on property maintenance and budget matters. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a decentralized advisory model with over 260 advisors and notable capabilities in retirement-plan advisory and pension consulting.

John Poff is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked with Transamerica Investors Securities Corporation since 2015 and TransAmerica Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by offering managed advice programs, investment education, and personalized guidance on asset allocation, contribution rates, and retirement planning. The firm relies on Morningstar Investment Management for portfolio construction and oversight, managing assets primarily on a non-discretionary basis across a large client base.

Christina Elam is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 designation and 13 years of industry experience. Her prior work includes roles at UBS Financial Services Inc. and Raymond James Financial Services, Inc. She is also the owner of Blue Water Wealth Management in Clearwater, FL, a non-investment related support company. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves a range of clients including individuals, pension plans, corporations, and charitable organizations, offering investment advisory, financial planning, and managed account programs through both discretionary and non-discretionary portfolio management.

Tessa Besio is a financial advisor with Transamerica Financial Advisors in Clearwater, FL, holding Series 63 and Series 65 licenses and five years of industry experience. She has served in roles at Dynex Group Benefits Solutions, XEN Financial, and WFGIA, and has also been involved in the Church of Scientology since 2006, managing registration for counseling and self-betterment courses. Additionally, she holds the position of president at XEN Financial, providing administrative support services. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a variety of fee-based wrap programs, model portfolios, and commission-based insurance and brokerage products.

Douglas Krug is a financial advisor at Private Advisor Group, LLC with a Series 66 designation and one year of industry experience. He previously provided administrative support to Mariner Independent Advisor Network and has held roles at LPL Financial LLC and various educational institutions. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations, delivering portfolio management, financial planning, and retirement-plan consulting through a network of investment adviser representatives and access to multiple advisory programs and third-party asset managers.

Puran Sugrim is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at T. Rowe Price and E*TRADE before joining PNC Investments in 2021. Outside of his advisory role, he is president of PNKS Associates LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees with PNC Bank online credentials. The firm uses algorithmic questionnaires for model selection and delegates portfolio implementation to third-party strategists.

Marc Bernacchi is a financial advisor at Independent Financial Partners with 10 years of industry experience. He holds Series 65 and Series 63 credentials and has previously worked with firms including J.P. Morgan Securities and Santander Bank. Outside of his advisory role, he is involved with Market America, an enterprise focused on health and wellness product sales. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a notable focus on retirement-plan advisory and pension consulting services.

Christopher Callaway is a Certified Financial Planner (CFP®) with 13 years of industry experience. He is currently with Independent Financial Partners and has held prior roles at SteelPeak Wealth, Valley Wealth Managers, Citizens Securities Inc., and Charles Schwab. Outside of finance, he owns and operates a marine services business as a boat captain. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors, supporting a multi-advisor platform with over $12 billion in assets under management as of the end of 2024.

Thomas Bagatini Alves is a financial advisor with PNC Wealth Management in Largo, FL, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Morgan Stanley, TMH Federal Credit Union, Citi, Regions Bank, Lockton, and Currency Exchange International. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic risk assessment and approved mutual funds and ETFs for portfolio implementation.

William Plum is a financial advisor with GWN Securities Inc. in Clearwater Beach, FL, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with GWN Securities since 2015 and also works with MVP Group Inc. since 1994. Outside of his advisory role, Plum operates as an independent insurance agent specializing in fixed insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, with a notable legacy of incorporating market-timing and momentum-based strategies within its investment programs.

Matthew Kulaga is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 65 credential and beginning his advisory career in 2026. He has prior experience with Johnson Brothers of Florida, Jazz Wealth Managers, Inc., and a background in real estate with Keller Williams. Outside of his advisory role, he is involved in real estate sales, showing homes on a part-time basis. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering various portfolio management and financial planning services.

Michael Cimarik is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. His background includes long-term roles at Franklin Templeton Financial Services Corp. and Franklin Templeton Distributors, Inc., as well as recent positions within Transamerica Life Insurance Company and Transamerica Investors Securities Corporation. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed and non-discretionary investment advice, leveraging proprietary technology and model portfolios from Morningstar Investment Management. The firm manages a large client base primarily through non-discretionary assets, focusing on asset allocation, contribution guidance, and retirement planning.

Michael Riley is a CFP® certified financial advisor with 25 years of industry experience, currently with Transamerica Retirement Advisors, LLC. He has worked with Transamerica Investors Securities Corporation and TRANSAMERICA Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice programs and investment education services focused on asset allocation, contribution rates, and retirement age guidance. The firm leverages Morningstar Investment Management’s proprietary tools for portfolio construction and manages a large client base primarily through non-discretionary advisory programs.

Andrew Denis is a CFP®-designated financial advisor with 24 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and its affiliated entities, having joined in 2024. Prior to this, he spent eight years with Cetera and Achieva Credit Union. He serves on the Board of Directors and is Chairman of the Membership Committee for the Rotary Club in Clearwater, FL. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulated assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, pension consulting, and managed account programs.

Joshua Donner is a financial advisor with Independent Financial Partners, holding a Series 66 designation and three years of industry experience. Prior to joining Independent Financial Partners, he spent eight years with the American Israel Public Affairs Committee (AIPAC). Outside of advisory work, Donner owns and oversees a technology and audit trail platform called Six Months and a Day and is involved in real estate as a sales associate. Independent Financial Partners is a nationwide firm that provides investment advisory, financial planning, trust, and retirement-plan services through a decentralized model. The firm supports a platform of approximately 261 advisors serving a diverse client base, with notable capabilities in retirement-plan advisory and pension consulting.

Erik Stad is a financial advisor with Valic Financial Advisors in Palm Harbor, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Valic Financial Advisors since 2016 and previously held positions at Sunamerica Capital Services, Inc. and SunAmerica Asset Management from 2000 to 2016. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts using Envestnet’s platform, supporting a large client base through a network of over 1,200 advisors.