Karl Krehbiel is a financial advisor at Krehbiel Financial LLC with three years of industry experience. He holds a Series 65 designation and has worked at Waymo LLC since 2022 as a full-time data scientist. Prior to that, he was employed at Quora, Inc. for seven years. Krehbiel Financial LLC provides comprehensive financial planning and investment management primarily for individual and family clients, focusing on passive portfolio construction with index funds and ETFs while incorporating cyclical analysis for asset allocation and timing. The firm also offers an estate-document facilitation service and manages portfolios on a discretionary basis with client-specific investment policy statements.

Paul McCarthy III is a financial advisor with Investment Management Services Group, LLC in Melbourne, FL, holding Series 63, 65, and 66 licenses and bringing 35 years of industry experience. He has been with Investment Management Services Group since 2011 and is also a vice president and insurance agent at IMS Partners, Inc., where he manages an insurance agency and sells insurance-related products. Investment Management Services Group, LLC provides discretionary portfolio management primarily to individual clients, including both high-net-worth and non-HNW households, using a blend of fundamental, technical, and cyclical analysis to build diversified, equity-focused portfolios.

Gary Steer is a CFP® professional with 24 years of experience in the financial industry. He is currently with OxenFree Financial, a firm he joined in 2024, after previously running Steer Financial Advisors and working at Cadaret, Grant & Co., Inc. He also serves as financial secretary for Rock Harbor Covenant Church and is involved with World Renewal International, a mission organization. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm delivers tailored advice and manages accounts using mutual funds, ETFs, model portfolios, and, for eligible clients, limited listed-options strategies, while also offering financial coaching and educational seminars.

Andrew Scheirer II is a financial advisor with API Financial Advisors, LLC, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at various firms including Purshe Kaplan Sterling Investments and Kovack Advisors, and has been associated with Aston Crest Wealth Management since 2007. Outside of advisory work, he is involved in fixed insurance sales as a producer. API Financial Advisors, LLC serves individual and high-net-worth clients by providing financial planning, discretionary portfolio management, and participant account management. The firm uses individualized model strategies maintained by an affiliated sub-adviser and employs a combination of technical and fundamental investment analysis across a range of products.

Christian McPherson is a CFP® with six years of experience in the financial services industry. He is currently with Prostatis Financial Advisors Group in Melbourne, FL, and has held prior roles at Impact Partnership Wealth, World Equity Group, Bank of America, Merrill Lynch, and Vanguard. Outside of finance, his earlier work includes positions at Chick-Fil-A and in the food and entertainment sectors. Prostatis Financial Advisors Group provides investment management and financial planning services to individuals, including high-net-worth clients, as well as foundations, trusts, estates, corporations, and charitable organizations. The firm employs a top-down, tactical asset-allocation strategy with sector rotation and integrates third-party managers, including those using AI and machine-learning models, into client portfolios.

Brandon Judas is a financial advisor at Singer Wealth Advisors LLC with eight years of industry experience. He holds a Series 65 designation and has worked with various firms, including Neil Jesani Wealth Advisors and Ameritas Life Insurance Corp. His current role is based in Palm Bay, FL. Singer Wealth Advisors LLC is an SEC-registered investment adviser serving individuals, corporations, and pension and profit-sharing plans. The firm provides comprehensive financial planning, portfolio management, and fiduciary consulting services, employing a combination of fundamental analysis and tactical strategies to manage diverse investment portfolios.

Luke Bunch is a financial advisor at OxenFree Financial in Melbourne, FL, with three years of industry experience. He holds a Series 65 designation and previously worked at Affinity Financial Advisors and James Phillips P.A. Dba Phillips Financial Advisors, with prior experience at Leggett & Platt Inc. Outside of advising, he is a solutions architect for OxenFree Technology LLC, a fintech company, and he serves as treasurer for the Sanibel Cove Homeowners Association. He also owns and operates ALT Customs LLC, an online retail business focused on 3D printing. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, with periodic account reviews that consider client objectives, risk tolerance, and tax factors.

Donald Johns III is a financial advisor at Ruggiero Investments with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including SW Financial, Arive Capital Markets, and WestPark Capital Inc. Outside of his advisory role, he is involved with Ruggiero Consulting, where he assists clients with debt and equity capital raises. Ruggiero Investments provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients, as well as pension consulting to retirement plans and organizational clients. The firm employs a multi-method investment approach with an emphasis on long-term horizons and manages a broad range of asset types under discretionary authority.

Garth Moreau is a financial advisor at OxenFree Financial in Melbourne, FL, holding the Series 66 designation with 18 years of industry experience. His prior roles include positions at Cetera, Affinity Financial Advisors, and Phillips Financial Advisors. Outside of his advisory work, he is also a licensed insurance agent selling life, annuities, and long-term care products, and serves as a notary public. OxenFree Financial serves individual investors, charities, and businesses with discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice and manages accounts using mutual funds, ETFs, and model portfolios, incorporating client objectives and risk tolerance into its recommendations.

Jeffrey Leonard is a CFP® with 17 years of industry experience, currently serving as an advisor at Bay Colony Advisors. He has been involved with Seniors Financial Planning Asset Management, LLC, and Seniors Financial Planning Inc. Insurance Agency since 2007, where he holds leadership roles. Leonard also manages Leonard Financial Group and maintains an insurance agency practice. Bay Colony Advisors serves individuals, high-net-worth families, and institutional retirement plans, offering portfolio management, financial planning, retirement-plan consulting, and family-office services. The firm employs a primarily long-term, fundamentally driven investment approach using diversified mutual funds and ETFs, complemented by other asset classes and specialized strategies.

Stephen Podnos is a financial advisor at Wealth Care LLC with 23 years of industry experience. He holds a Series 65 designation and previously operated under his own practice, Stephen Daniel Podnos, from 2003 to 2026 before joining HB Wealth Management, LLC for a year. Wealth Care LLC provides confidential financial planning and investment management services to individuals, pension and profit-sharing plans, trusts, estates, and small businesses. The firm employs a strategic asset-allocation approach using primarily passive index funds and ETFs complemented by select active managers, managing approximately $668 million in assets with a small advisory team.

John Sinchok is a financial advisor at OxenFree Financial in Melbourne, FL, holding a Series 65 credential with four years of industry experience. Before joining OxenFree Financial in 2023, he worked at James Phillips PA DBA Phillips Financial Advisors and Affinity Financial Advisors. Outside of financial advising, he is involved with OxenFree Technology LLC, a fintech company, where he serves as media and operations coordinator. OxenFree Financial serves individual investors, high-net-worth clients, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, and includes financial coaching and educational seminars as part of its service offerings.

Arthur Mcpherson is a financial advisor at Prostatis Financial Advisors Group with 33 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at firms including Triumph Wealth Advisors and World Equity Group Inc. Mcpherson serves as a board member for the Financial Independence Council, where he speaks at universities to promote financial literacy, and is also an author of financial education books. Prostatis Financial Advisors Group provides investment management and financial planning services to individuals, including high-net-worth clients, as well as foundations, trusts, estates, corporations, and charitable organizations. The firm employs a top-down, tactical asset-allocation approach with sector rotation and integrates independent third-party managers and AI-driven models in its portfolio management.

Nathan Kallal is a Series 65-licensed advisor with six years of industry experience. He is currently with OxenFree Financial, where he has worked since 2023, following prior roles at James Phillips PA DBA Phillips Financial Advisors and Affinity Financial Advisors. Outside of advising, he serves as an operations coordinator at OxenFree Technology LLC, a fintech company. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, model portfolios, and limited listed-options strategies, while also facilitating estate planning and financial education.

Ronald Nalven is a CFP® with 40 years of industry experience and is currently affiliated with Modern Capital Advisors, LLC. He has worked at Liberty Partners Financial Services, LLC since 2016. Outside of financial advising, he is involved as a musician and band leader with Wishing Star Entertainment Group, LLC. Modern Capital Advisors provides financial planning, asset management, and retirement plan consulting to individuals, pension plans, charities, and corporations. The firm employs a strategic asset allocation approach with a core-and-satellite framework using passive index funds supplemented by active managers or third-party strategists.

Matthew Myland is a financial advisor with API Financial Advisors, LLC in Rockledge, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with API Financial Advisors since 2019 and previously worked at Wealth Watch Advisors LLC and Solomon API, LP. Outside of advisory work, he is a managing member and independent insurance agent involved in selling fixed and indexed annuities as well as various life and disability insurance products. API Financial Advisors serves individual and high-net-worth clients with financial planning, discretionary portfolio management, and participant account management. The firm uses individualized portfolios managed by affiliated and third-party sub-advisers and combines technical and fundamental investment analysis across diverse asset types.

Audree Bobinger is a financial advisor at API Financial Advisors, LLC with one year of industry experience. She holds a Series 65 designation and has prior experience at Symmetry Financial Group and served six years in the United States Navy. Outside of her advisory role, she works as a life and health insurance agent. API Financial Advisors, LLC serves individual and high-net-worth clients with financial planning, discretionary portfolio management, and participant account management. The firm uses model strategies maintained by an affiliated sub-adviser and employs a combination of technical and fundamental investment analysis across various product types.

Andrew Cettina is a financial advisor at OxenFree Financial with two years of industry experience. He holds a Series 65 designation and has worked at firms including EpicPRO Financial Management and SunTrust Bank. In addition to his advisory role, he serves as a project coordinator for SENA-Tech LLC, an electrical contracting company. OxenFree Financial serves individual investors, charities, and businesses with discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice and manages accounts using mutual funds, ETFs, model portfolios, and limited listed-options strategies, incorporating client objectives and risk tolerance into its recommendations.

Paul Stanley is a financial advisor at API Financial Advisors, LLC with 27 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Wealth Watch Advisors and LPL Financial. Outside of advising, he is the CEO and managing partner of Titan Heating & Air LLC. API Financial Advisors, LLC serves individual and high-net-worth clients with financial planning, discretionary portfolio management, and participant account management. The firm uses model strategies managed by an affiliated sub-adviser and third-party managers, combining technical and fundamental investment analysis across a range of products and risk profiles.

James Marshal is a financial advisor at The Institute with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at The Institute For Wealth Management LLC and its predecessor firms since 2012. In addition to his advisory role, Mr. Marshal provides personal CFO services to nonprofit and for-profit businesses, including financial analysis, budgeting, tax reporting, and payroll services. The Institute for Wealth Management serves individuals, trusts, retirement plans, charitable organizations, and business entities, managing approximately $1.37 billion for around 803 clients. The firm employs a team-based investment approach centered on an internal Investment Committee that develops diversified portfolios, and it is notable for its involvement in private fund management and advisory services.