Juan Delgadillo is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab and its affiliated entities since 2014. Based in Orlando, FL, he joined Schwab Wealth Advisory in 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools without exercising discretionary trading authority.

Scott Martin is a CFP® with 41 years of industry experience currently serving at Independent Financial Partners since 2012. His prior experience includes roles at LPL Financial and operating DivorceDirection, LLC. He is a certified exit planner and serves as a board member for a professional condominium association in Lake Mary, FL. Independent Financial Partners is a nationwide enterprise advisory firm with over 260 advisors, providing investment advisory, financial planning, trust, and retirement-plan services to individual, charitable, corporate, and high-net-worth clients. The firm supports a decentralized advisory model while offering centralized asset management options and specialized retirement-plan advisory and pension consulting services.

Myles Thurston III is a ChFC® credentialed financial advisor with 36 years of industry experience. He is currently affiliated with Primerica Advisors and Park Avenue Securities, with prior experience at Guardian Life Insurance. Thurston has involvement with Insurance-Innovative Underwriters as a side business. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement and business consulting, implementing investment strategies through proprietary and third-party portfolios with a range of account and lending solutions.

Angelina Ramos is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, her background includes positions at Morgan Stanley, BankUnited, and various non-financial organizations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

David Garland is a Series 66-credentialed financial advisor with seven years of industry experience. He has worked at Fifth Third Securities and Fifth Third Bank since 2019 and previously held roles at Edward Jones, DHR Mechanical Services, and Kentuckiana Comfort Center. Fifth Third Securities, Inc. serves a diverse client base including high-net-worth individuals, institutions, corporations, and trusts through both advisory and brokerage services. The firm offers investment programs via the Passageway Managed Account platform, combining third-party portfolio managers with advisor-directed strategies across multiple asset types.

James Luther is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Schwab in various roles since 1999, including 14 years at Schwab Wealth Advisory. Outside of his advisory work, he serves on the board of the Animal Safehouse of Brevard, a nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations through Schwab’s research tools, with advice delivered within a structured, client-directed investment model.

David Klein is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds a Series 66 designation and has been with Schwab Wealth Advisory since 2017, working within the Charles Schwab organization since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering comprehensive financial reviews and investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem, distinguishing itself by its unique fee arrangement and limited use of discretionary management.

Richard Velazquez is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding the CFP® and ChFC® designations with 25 years of industry experience. He has worked at Charles Schwab since 2000 and with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Michael D'alessandro is a financial advisor at Truist Advisory Services with nine years of industry experience. He holds the Series 63 and Series 65 designations. His career includes roles at Truist Investment Services, SunTrust Investment Services, and SunTrust Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a mix of discretionary and non-discretionary strategies and offers the AMC Advantage manager-selection program, supported by proprietary research and inter-affiliate integration.

Kendrick Crockett is a financial advisor with Empower Advisory Group, holding a Series 66 designation and two years of industry experience. His previous work history includes roles at Thrivent Financial and PepsiCo. Outside of his advisory work, he is involved in real estate as a licensed broker working with family members and owns a company that purchases and rents real estate properties. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing.

Shawn Conboy II is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing three years of industry experience. He previously worked at Charles Schwab & Co., Inc. and has experience in roles outside finance, including at American Campus Communities and Planet Smoothies. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research and asset allocation models. The firm operates within the Charles Schwab ecosystem and focuses on client-directed investment decisions without discretionary trading authority.

David Melnyk is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at OSAIC Institutions, Inc. since 2025. He previously worked at Ameriprise for five years and has held roles with several other advisory firms. He is also the president and sole member of Grotto Consulting, LLC, a consulting business. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating through a hybrid adviser and broker-dealer structure.

John Singletary is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2004 and with Schwab Wealth Advisory since 2012 in Orlando, FL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with clients making final trading decisions.

Derek Walls is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has worked with Charles Schwab since 2004 and with Schwab Wealth Advisory since 2012. Outside of his advisory role, Walls serves as Chairman and Advisor for the Kappa Leadership Development League, a youth mentoring program, and is a board member at The Experience Christian Center. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm functions as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions and annual account reviews.

Sebastian Paz is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has two years of industry experience and previously worked at Grove Bank & Trust and JLM Advisors. His background includes roles outside finance, such as in commercializing and marketing and working at 24 Hour Fitness. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates internally within the Schwab ecosystem, utilizing standard asset allocation models and research tools while leaving final trading decisions to clients.

Jordan Kerney is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to his current role, he held various positions across multiple industries including hospitality and retail. He is based in Orlando, Florida. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm operates within the Schwab ecosystem and uses standard asset allocation models and research tools, with final trading decisions left to clients.

Livan Gomez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank, in addition to his current position with Schwab Wealth Advisory and Charles Schwab & Co. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes standard asset allocation models and Schwab research tools to recommend investments, conducting annual account reviews without discretionary trading authority.

Alex Figueroa is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. since 2023. Prior to his current role, his work history includes positions at Uber Eats, Walmart, and other companies outside the financial industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses asset allocation models and Schwab research tools to guide investment recommendations while clients maintain final trading decisions.

Matthew Price is a financial advisor with Equitable Advisors in Winter Springs, FL, holding a Series 66 designation and five years of industry experience. Prior to joining Equitable Advisors in 2020, he worked at Chick-fil-A for two years and attended Samford University from 2014 to 2018. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Alfred Baker is a CFP® with 44 years of industry experience, currently affiliated with Cetera. His prior experience includes roles at Concourse Financial Group Securities Inc and Security Financial Management. He also operates (dba) Solutions Group Wealth, providing advisory services alongside his work at Cetera. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with a range of portfolio management, financial planning, and retirement services, offering access to multiple investment managers and program options.