Robert Williams is a financial advisor with Kestra Advisory, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Security Financial Management and CONCOURSE FINANCIAL GROUP SECURITIES, as well as a long tenure at Kaplan. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services that include fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves large institutional investors and provides access to multiple management platforms and third-party solutions.

Jonathan Mrozek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Charles Schwab & Co., Blue River Technology, Duckhorn Portfolio, Treasury Wine Estates, and the University of Illinois. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, focusing on asset allocation and investment selection based on Charles Schwab’s internal research and standard models. The firm does not exercise discretionary trading authority and often recommends separately managed accounts overseen by third-party or affiliated money managers.

Alexander Meleis is a CFP® and CFA® credentialed advisor with three years of industry experience. He currently works at Schwab Wealth Advisory in Orlando, FL, having previously been employed at CNR Securities, LLC and PNC Financial Services. 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, relying on Schwab’s asset-allocation models and internal research tools to guide investment decisions.

Duane Holt is a financial advisor with Transamerica Financial Advisors in Lake Mary, FL. He holds Series 63 and Series 65 licenses and has recent experience at firms including KForce Inc., Wfgia, and ACN Inc. Prior to entering the financial services industry, he worked at Travel and Leisure Co. and Therigy, LLC. Transamerica Financial Advisors serves a broad 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, with discretionary and non-discretionary program options.

Nadera Sander is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Charles Schwab & Co., Inc. since 2006, joining Schwab Wealth Advisory in 2021. 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. The firm’s approach is based on Charles Schwab & Co.’s asset allocation models and internal research, offering tailored recommendations and at-least-annual reviews.

Stephanie Piedra Morales is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and four years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2020 and currently serves clients through Schwab Wealth Advisory. Outside of her advisory role, she has managed a personal rental property in El Paso, Texas. Schwab Wealth Advisory 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 investment approach is based on Schwab’s standard asset-allocation models and internal research tools, offering tailored recommendations with at-least-annual reviews.

Matthew Plunkitt is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. He previously worked at Fidelity Investments and its affiliated entities for over seven years and has experience with Global Financial Private Capital, Inc. and Charles Schwab & Co., Inc. 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’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations with trades executed only upon client approval.

John Leacock is a Series 66 licensed financial advisor with Schwab Wealth Advisory in Orlando, FL, bringing 11 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and has worked with Charles Schwab since 2013. Outside of his advisory role, Leacock serves on the Finance Committee at St. Charles Borromeo Catholic Church, where he participates in discussions and approvals related to church accounting and expenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm bases its guidance on proprietary asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

David Gauthier is a financial advisor with PlanMember Securities Corporation in Oviedo, FL, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with PlanMember since 2016 and also serves as president of several noninvestment businesses, including an accounting and tax services firm and companies specializing in tax preparation and claims services. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through asset allocation portfolios. The firm’s investment process uses a top-down strategic asset allocation framework combined with risk-based mutual fund portfolios that are periodically rebalanced based on defined strategic events.

Zane Sanders is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory, he has worked at Charles Schwab & Co. and held various roles including positions in campus recreation and ocean rescue. Schwab Wealth Advisory 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 advice is based on Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Ja'lil Reynolds is a Series 66-licensed financial advisor with Schwab Wealth Advisory, Inc. in Orlando, FL, and has been with the firm since 2026. Prior to joining Schwab, he spent time at Northwestern Mutual and focused on full-time education for several years. 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 those referred by Charles Schwab & Co. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on clients’ goals and risk tolerance.

James Petrusky is a financial advisor at Truist Advisory Services with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Truist and SunTrust investment firms since 2007. He occasionally assists with a tee shirt and coffee mug design business operated by his wife. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools.

Barbara Vaught is a Series 66-licensed financial advisor with 24 years of industry experience. She has been with TIAA-CREF since 2013, working within the firm’s enterprise segment in Apopka, FL. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm is notable for its fiduciary approach and its role as adviser to the TIAA Donor Advised Fund, operating within a vertically integrated group that uses affiliated funds.

Thanh Huy Tran is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2018, including his current role since 2021. Prior to joining Schwab, Tran was with Wells Fargo from 2016 to 2018. 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’s advice is based on Schwab’s asset-allocation models and research tools and involves at-least-annual reviews tailored to clients’ goals and risk tolerance.

Jennifer Fanelli Zastrow is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Ameriprise Financial Services and Morgan Stanley Smith Barney. 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 and financial planning. The firm relies on Charles Schwab & Co.’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Chad Faulkenberry is a CFP® with 21 years of industry experience and is currently with Hightower Advisors. His prior roles include positions at Journey Strategic Wealth LLC and Charles Schwab & Co., Inc., where he spent 10 years. Outside of his advisory work, he serves as Finance Committee Chair and Facilitator of the Financial Peace University Course at Aloma Church, and he is Chair of the Board of Directors for Central Florida Community Arts. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research, offering a wide range of portfolio management and consulting services.

Blake Lea is a CFP® professional with two years of industry experience, currently associated with Schwab Wealth Advisory, Inc. He has also worked at Charles Schwab & Co., Inc. and Flower Ave. Inc. Prior to his financial advisory roles, Blake held positions at the University of Florida and Southeastern University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for 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.

Hasson Murphy is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Charles Schwab since 2004 and with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory serves clients enrolled in the SWA program and certain CS&Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with tailored recommendations and at-least-annual reviews.

Lee Rodriguez Mercado is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 63 and Series 66 designations and has 10 years of industry experience. He has worked at T. Rowe Price since 2016, with a brief period at Robinhood Financial, LLC from 2021 to 2022. Outside of finance, he owns and manages a video game and merchandise business called GLXY GAMING. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service focused on retirement goals for individual investors and households. The service combines nondiscretionary financial planning and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs, supported by online tools and financial advisor access.

William Guinn is a Certified Financial Planner (CFP®) with 18 years of industry experience. He has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, following roles at Mass Mutual Investors Services, MSI Financial Services, and Edward Jones. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients 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, offering guidance on a range of investment options while requiring client authorization for trades.