Eileen Mccarthy Ritter is a financial advisor with Lincoln Investment who holds Series 63 and Series 66 licenses and has 38 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 her advisory work, she is the owner of Teachers Sharing Answers, a life and fixed annuity sales business she has operated since 1989. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a notable focus on educators and 403(b) and 457(b) program participants. The firm offers financial planning, advisor-led consulting, and portfolio management supported by an in-house Investment Management & Research team and a range of third-party managers.

Stephen Valeri is a financial advisor at Truist Advisory Services with 39 years of industry experience. He has held roles at SunTrust Advisory Services LLC and SunTrust Investment Services, Inc. since 2016. Valeri holds Series 63 and Series 65 licenses and is based in Tampa, FL. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary management through third-party platforms.

James Brennan is a CFP® with 18 years of industry experience. He is currently an advisor at Truist Advisory Services, where he has worked since 2021. His prior roles include positions at Ernst & Young and GenSpring Family Offices, LLC. Brennan serves as an advisory board member for Dominion Financial Group. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled equity research and inter-affiliate integration, to deliver its investment solutions.

Jessica Elmore is a financial advisor with Truist Advisory Services, holding a Series 66 designation and bringing 31 years of industry experience. She worked at Merrill from 1995 to 2016 before joining SunTrust Advisory Services and its affiliated entity in 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Andrew Rojas is a financial advisor at AE Wealth Management, LLC with six years of industry experience. He holds a Series 65 designation and has worked at multiple firms including Bayview Wealth Management and Foundations Investment Advisors LLC. Outside of advising, he is also active as an insurance agent. AE Wealth Management serves a diverse client base including individual investors, retirement plan sponsors, trusts, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan consulting through a platform that integrates advisor-managed and third-party models.

Onterio Graham is a financial advisor with Kestra Advisory, holding a Series 65 designation and seven years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at EY/Tapfin for seven years and USF Federal Credit Union for two years. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers services spanning fiduciary consulting, plan design, and employee education, managing approximately $79.8 billion in assets and serving clients such as sovereign wealth funds.

Michael Erbaio is a financial advisor with Concurrent Investment Advisors, LLC, holding a Series 66 credential and bringing 21 years of industry experience. His career includes roles at firms such as Spire Investment Partners, Fidelity, and TIAA-CREF. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement plan advisory services with a focus on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles.

Connie Corjay is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab, USAA Financial Advisors, and Morgan Stanley. Connie has spent multiple years at T. Rowe Price across two periods totaling nine years. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses proprietary mutual funds and ETFs within model portfolios that emphasize tax-aware strategies and employs an online planning tool combined with advisor telephone support.

Kristin Alexander is a financial advisor at Citigroup Global Markets with 22 years of industry experience. She holds Series 65 and Series 66 licenses and has held positions at Principal Securities Inc., Principal Life Insurance, and MassMutual Life Insurance Company, among others. Her most recent role prior to Citigroup was at Independent Financial Partners. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering diversified investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by in-house research and oversight committees.

Haley Baly is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and four years of industry experience. She has worked at AGIA since 2022 and Valic Financial Advisors since 2021, and has an academic background from the University of South Florida and the University of Florida. Outside of advisory work, she is also involved with non-securities insurance products through her role at AGIA. Valic Financial Advisors, Inc. 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 multiple wrap programs, utilizing centralized technology and model solutions across a large network of investment advisor representatives.

Monica Parish is a financial advisor at Concurrent Investment Advisors, LLC with two years of industry experience. She holds a Series 65 designation and has previously worked at firms including Tidwell-Premock-Basilone Private Wealth Management and Wells Fargo Advisors. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors serving over 13,000 clients.

Daniel Rodriguez Ortiz is a financial advisor with Citigroup Global Markets in Tampa, FL, holding a Series 66 designation and 13 years of industry experience. He has worked at Citigroup since 2018 and previously was with Raymond James Financial Services Advisors and Raymond James Financial Services. Outside of his advisory role, he is involved in retail operations with Best Buy, working part-time in inventory management. 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 both discretionary and non-discretionary programs and maintains significant institutional scale combined with unique market roles.

John Galligan III is a financial advisor with Truist Advisory Services, holding Series 65 and Series 66 licenses and bringing 25 years of industry experience. He has worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. since 2015. Outside of his advisory role, he serves as an election inspector for the Pinellas County Supervisor of Elections Office. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, implementing advice through discretionary and non-discretionary approaches combined with third-party platforms and AI-enhanced equity research.

Joseph Fernandez is a CFP® professional affiliated with Principal Financial Services in Tampa, FL, with 27 years of industry experience. He has worked at Principal Life Insurance Company and Principal Securities Inc. since 2009. 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.

Michael Globenfelt is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc. and has held prior roles at USAA Financial Advisors, Charles Schwab Bank, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, relying on Charles Schwab’s asset-allocation models and internal research tools to guide investment selection and wealth management.

Dara Abraham is a financial advisor at Truist Advisory Services with four years of industry experience. His prior roles include positions at Sanford C. Bernstein & Co., Merrill, and Truist Investment Services. He serves on the board of the Lions World Vision Institute Foundation, a global nonprofit focused on vision-related research, services, and education. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches along with third-party platforms and AI-enhanced research.

Chelsey Frate is a financial advisor with Truist Advisory Services in Tampa, FL, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at Carmel Capital Partners, LLC and UBS Financial Services, Inc. since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm’s approach combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and supervisory oversight for manager selection and portfolio reviews.

Lucinda Alcott is a financial advisor at Transamerica Financial Advisors with 27 years of industry experience. She holds a Series 63 designation and has worked at Transamerica Financial Advisors and World Financial Group since 2018, following two years at Securities Support Unit/Signator Investors. In addition to her advisory role, she may perform home office functions for other business units within Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with a variety of fee-based and commission-based investment programs. The firm combines proprietary model portfolios with third-party money managers and operates as both a registered broker-dealer and registered investment advisor.

Jason Zardavets is a financial advisor with FIFTH THIRD SECURITIES, Inc. in Tampa, FL, holding Series 63 and Series 65 licenses with 27 years of industry experience. His prior roles include positions at Ameriprise and Comerica Securities, Inc. He has been with Fifth Third Securities and Fifth Third Bank since 2025. FIFTH THIRD SECURITIES, Inc. serves a diverse client base including individual, high-net-worth, and institutional clients through investment advisory and brokerage services. The firm offers multiple program types via the Passageway Managed Account Program, featuring a range of portfolio management options such as advisor-directed mutual fund and ETF models, SMA strategies, and direct indexing.

Joseph Lauro is a financial advisor with VOYA Financial Advisors, Inc. in Tampa, FL, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Truist Advisory Services, Valic Financial Advisors, and Equitable Advisors. VOYA Financial Advisors, Inc. is a large enterprise-scale firm offering financial planning, portfolio management, and retirement advisory services to individuals, including high-net-worth clients, as well as institutional clients. The firm integrates in-house and external strategists, model portfolios, and technology tools to deliver a range of advisory programs, with an emphasis on client-approved, non-discretionary management.