Edgar Ramirez is a financial advisor at Charles Schwab with 11 years of industry experience and a Series 66 designation. He has worked at Charles Schwab since 2018 and previously at Fidelity Brokerage Services from 2015 to 2018. Based in Orlando, FL, Ramirez’s background includes roles at two major firms. Charles Schwab & Co., Inc. serves a substantial client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and a centralized operational structure.

Stephen Ryan is a financial advisor at Raymond James & Associates with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, leveraging multiple portfolio management styles and affiliated research resources.

Jeffrey Krummick is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 license and 17 years of industry experience. He has been with Charles Schwab since 2010 and worked at TD Ameritrade from 2020 to 2024. Charles Schwab & Co., Inc. serves a large client base that primarily includes high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and a range of alternative investment options.

Kaikai Wang is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 65 designations and nine years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, JP Morgan Securities, and JPMorgan Chase Bank. Wang also served in the US Army Reserve for six years. Charles Schwab & Co., Inc. serves a very large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers investment guidance using multi-asset model portfolios and alternative investment due diligence.

Robert O Roark is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. His prior work includes roles at JP Morgan Chase Bank, Bank of America, and Target. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis.

Patrick Murphy is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2015. Based in Orlando, FL, he is part of a large team of advisors within the firm. Charles Schwab serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by in-house research.

Diego Molina is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at Cricket Wireless and various educational positions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Tracy Belton is a financial advisor at Raymond James & Associates with 43 years of industry experience. She holds the Series 63 designation and has been with Raymond James since 2010. Belton also serves on the board of the Lake County Museum of Art. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and research resources.

Vicky Delhaye is a financial advisor at Charles Schwab with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Charles Schwab entities since 1998, including Charles Schwab Bank and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. Schwab offers both non-discretionary and discretionary investment management options, employing multi-asset model portfolios and a centralized, integrated operational structure.

George Miller is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 63 designation and 43 years of industry experience. He has worked at Charles Schwab since 1991 and spent six years at optionsXpress, Inc. prior to that. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

Rachel Thompson is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 16 years of industry experience. She has previously worked at TD Ameritrade and Financial Engines Advisors L.L.C. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a range of multi-asset model portfolios and alternative investment options.

Jason Eddy is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding Series 63 and Series 66 registrations and bringing nine years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing for seven years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and supervision with access to a broad range of investment solutions.

Steven Kazukietas is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked at Schwab Private Client Investment Advisors and Charles Schwab Bank during his career. Outside of finance, he assists with coordinating league schedules and registrations at RDV Sportsplex Ice Den in Orlando. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm’s approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Carlos Alvarez is a Series 66-licensed financial advisor at Charles Schwab with 11 years of industry experience. He has been with Charles Schwab since 2013, including a role at Charles Schwab Bank since 2017. He serves as Treasurer and Secretary of the Ashbury Park Home Owner's Association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized custody and operational services.

Sheridan Major is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 65 credentials and 18 years of industry experience. Prior to joining Charles Schwab, Major worked at Edward Jones and Raymond James Financial Services. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts with an integrated operational and custody platform.

Luis Rivera is a financial advisor at Charles Schwab in Orlando, FL, holding a Series 66 designation with 16 years of industry experience. He has worked at various Charles Schwab entities since 2011, including Schwab Private Client Investment Advisors and Charles Schwab Trust Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research due diligence.

Donald Oblazney Jr. is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2018. Prior to his current role, he worked at Adtalem Global Education for 27 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Edick Lucas is a CFP® and ChFC® with 37 years of experience in financial services. He is currently with Cetera and previously worked at Concourse Financial Group Securities Inc and Lincoln Financial Securities Corp. He also operates Concierge Financial Planning Group, providing financial planning and insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, including access to third-party money managers and multiple program structures.

Edwin Melo is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and five years of industry experience. His background includes roles at Merit Wealth Advisors, JP Morgan Chase, and Wells Fargo, as well as eight years of service in the US Navy. Outside of finance, he owns and administrates a car rental company, Beleco LLC. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management solutions, utilizing multi-asset model portfolios and providing access to alternative investments via a centralized, integrated structure.

Deanna Price is a financial advisor at Edward Jones in Leesburg, FL, holding a Series 66 designation with nine years of industry experience. She has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including wrap fee programs and separately managed accounts, and operates under a fiduciary standard.