Richard Chrzanowski is a financial advisor with Money Concepts Capital Corp in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Money Concepts Capital Corp since 1995. Outside of advising, he is involved in several non-investment-related businesses, including real estate sales and auto restoration. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individual investors, pension and profit-sharing plans, trusts, estates, and corporations. The firm uses model-driven and asset-allocation approaches, offering both discretionary and non-discretionary programs, and incorporates third-party managers and platforms such as Envestnet to support its portfolio management and reporting.

Heather Herrmann is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Janney Montgomery Scott since 2012 and has been with Citigroup Global Markets since 1999. Based in Palm Beach Gardens, FL, she has a long tenure in the financial services industry. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage services, financial planning, and advisory programs.

Jamel Parks is a financial advisor at Citizens Securities, Inc. in West Palm Beach, FL, holding Series 63 and Series 65 licenses with six years of industry experience. His career includes roles at Fifth Third Securities and Fifth Third Bank. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm operates a digital advisory program alongside managed accounts and functions as a broker-dealer and insurance agency.

Nancy Wilkins is a financial advisor with GWN Securities Inc., holding Series 63 and Series 65 credentials and 24 years of industry experience. She has worked at GWN Securities Inc. since 2015, including its SEC-registered entity since 2020, and previously at Royal Alliance. Wilkins is president of the Kiwanis Club of South Lake, a nonprofit supporting local children, and president of the Women’s Giving Alliance, a philanthropic group. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning. The firm employs a mix of affiliated and unaffiliated sub-advisers and uses market-timing and momentum-based strategies in some of its legacy programs.

Brian Gary is a financial advisor at Janney Montgomery Scott with 10 years of industry experience. He holds the Series 66 designation and previously worked at Raymond James and Associates for six years before joining Janney in 2020. He is based in Palm Beach Gardens, FL. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional sponsors, and offers a range of brokerage, financial planning, and advisory services supported by both in-house and third-party portfolio management.

Denville Loney is a financial advisor with TD Private Client Wealth LLC and holds Series 63 and Series 65 licenses. He has five years of industry experience and previously worked at American Income Life. Outside of finance, he is involved with the American Bread Company, where he works on the production line and operates heavy equipment on weekends. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients, providing portfolio management, financial planning support, and access to mutual funds, ETFs, and separately managed accounts through a combination of affiliated and third-party sub-managers.

William Sauers is a financial advisor with TLG Advisors, Inc. based in West Palm Beach, FL, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, Merrill, LPL Financial, and Cetera Wealth Services. He is also a Master Sergeant in the United States Air Force Reserve and serves as a contract manager for Hive LLC supporting the United States Space Force. TLG Advisors, Inc. serves a diverse client base ranging from individuals and high-net-worth clients to institutional investors, providing investment supervisory services, portfolio management, and fiduciary services for ERISA-qualified plans. The firm’s investment approach emphasizes manager selection and ongoing monitoring using fundamental analysis and Modern Portfolio Theory, with many client portfolios managed through sub-advisors and program platforms.

Theodore Sarantos is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked with TD Bank N.A. and TD Private Client Wealth LLC since 2016. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Sarah Mueller is a financial advisor with Bankers Life Advisory Services, Inc. and holds a Series 65 license. She has eight years of industry experience and has worked primarily within the Bankers Life organization since 2017. In addition to her advisory role, Mueller serves as a unit field trainer, recruiting and training insurance agents. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis methods to tailor asset allocations and manage portfolios aligned with clients’ goals and risk tolerances.

Shannon Sandel is a financial advisor at Citizens Securities, Inc. with 18 years of industry experience. She holds Series 65 and Series 63 licenses and has been affiliated with Citizens Bank and Citizens Securities since 2016. Outside of her advisory role, she performs notary public duties and has administrative responsibilities at Sandel Roofing LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs, brokerage, and insurance services. The firm’s offerings include a digital advisory program managed in partnership with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Julian Turosienski is a financial advisor at Cresset Asset Management, LLC with six years of industry experience. He holds a Series 66 designation and has worked at Cresset since 2022, following two years at Merrill and prior roles including positions at Burning Tree Country Club and Keiser University. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in assets and serving a range of clients including individuals, high-net-worth clients, trusts, estates, and corporations. The firm employs a disciplined, risk-aware investment approach that integrates strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes, supported by tools such as artificial intelligence and machine learning.

Brian Johnson is a financial advisor with Citizens Securities, Inc. in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior roles include positions at J.P. Morgan Securities, LPL Financial Services, Fifth Third Securities, and PNC Investments. Johnson has worked extensively within both brokerage and advisory capacities at multiple firms over his career. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm features a digital advisory platform that uses proprietary algorithms and client risk profiles to recommend ETF portfolios, though it also engages in commission-based brokerage and non-discretionary business.

Marjo Ylipelkonen is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2020. Prior to joining Janney, she worked at Raymond James & Associates for six years. She holds an inactive role as a sales partner with Zinzino, a direct sales marketing company focused on health products. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporations, and institutional clients, offering brokerage services, financial planning, and multiple advisory programs supported by both in-house and third-party portfolio management.

Juan Loureiro is a financial advisor with TIAA-CREF in Palm Beach Gardens, FL, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with TIAA-CREF since 2009. Outside of his advisory role, Loureiro serves as Chairman of the Board for Junior Achievement of the Palm Beaches and leads a personal nonprofit project called The Standard Path, which focuses on youth development and leadership education. TIAA-CREF Individual & Institutional Services offers financial planning and discretionary managed account programs primarily to individuals linked to employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm separates point-in-time planning from ongoing portfolio management and serves as adviser to a donor-advised fund within a vertically integrated group.

Trace Horevitz is a financial advisor at GWN Securities Inc. with three years of industry experience. He holds a Series 66 designation and previously worked at Florida Actuarial Corp and Colliers International. Horevitz has also been involved as a financial representative and insurance agent through a financial services DBA. GWN Securities provides investment advisory and related services to individual and corporate clients via managed account programs, financial planning, and third-party manager selection. The firm utilizes discretionary portfolio management approaches based on asset allocation and Modern Portfolio Theory, incorporating both affiliated and unaffiliated sub-advisers and employing market-timing and momentum-based strategies in certain legacy programs.

David Homard is a financial advisor at Money Concepts Capital Corp with 21 years of industry experience. He holds the CFP® and CFA® designations and has worked with firms including Win Advisors, Inc., CAI Group, LLC, and GWN Securities, Inc. Since 2023, he is also involved with Castellum Asset Management, LLC, a non-investment related business. Money Concepts Advisory Services provides investment advisory, financial planning, and consulting services to a diverse client base including individual investors, pension plans, trusts, and corporations. The firm manages approximately $4.07 billion in client assets through model-driven and asset-allocation strategies, utilizing both proprietary and sub-advised portfolios supported by third-party managers and platforms.

Halsey Schreier is a financial advisor at CIBC Private Wealth Advisors, Inc. in West Palm Beach, FL. He holds the Series 65 designation and has been with CIBC Private Wealth since 2016. CIBC Private Wealth Advisors provides investment and wealth advisory services to a diverse client base, including high net worth individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm uses a combination of internal investment teams, relationship managers, and governance committees to deliver customized portfolio management and planning services, and it manages a substantial asset base with relatively high assets under management per advisor.

Robert Mullis is a financial advisor at GWN Securities Inc. with 12 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Citigroup and Money Concepts Capital Corp. Outside of his advisory work, he is also an independent contractor providing rideshare transportation services. GWN Securities offers investment advisory and related services to individual and corporate clients through various managed account programs and financial planning solutions. The firm employs portfolios using both affiliated and unaffiliated sub-advisers, blending asset allocation principles with tactical trading strategies such as momentum and market-timing approaches.

Joshua Dadan II is a financial advisor at Truist Advisory Services with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with SunTrust Advisory Services since 2016. Outside of his advisory role, he is a landlord for a residency property in Greenacres, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager-selection programs, utilizing both discretionary and non-discretionary approaches supported by third-party platform relationships.

Ettore Ventrice is a CFP® professional at Cresset Asset Management, LLC with 34 years of industry experience. He previously worked at UBS Financial Services for 11 years. Outside of his advisory role, he serves on the boards of Impact 100 and the FAU Foundation and participates in committee work at the Royal Palm Yacht & Country Club. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in assets for individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles. The firm employs a disciplined, risk-aware approach incorporating strategic asset allocation, manager selection, and both active and passive strategies across public and alternative asset classes.