Abby Humberd is a financial advisor at J. W. Cole Advisors, Inc. in Tampa, FL, with nine years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley and T. Rowe Price. J. W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and digital advice to individuals, high-net-worth clients, and institutional accounts. The firm employs a variety of investment strategies and platforms, including discretionary and non-discretionary management options.

Todd Pack is a financial advisor with J.W. Cole Advisors, Inc. based in Tampa, FL. He holds the ChFC® designation and has 24 years of industry experience. He is the founder and CEO of Break Through Advisers, a firm that provides public speaking services, coaching, training, and outsourced due diligence to broker-dealers and investment advisors. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of more than 400 independent representatives. The firm offers portfolio management, financial planning, and access to various managed account solutions, with investment decisions implemented using fundamental and technical analysis, model portfolios, and digital advice platforms.

Thomas Dirscherl is a financial advisor at J. W. Cole Advisors, Inc. with seven years of industry experience. He holds the Series 66 designation and has worked previously at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Prior to his financial services career, he spent seven years with the Golf Channel. Outside of advising, he is a registered owner of a transportation business. J. W. Cole Advisors operates a large network of investment adviser representatives and offers fee-based portfolio management, financial planning, retirement plan services, and access to third-party managers and digital advice platforms for individuals, high-net-worth clients, and institutional accounts. The firm employs both discretionary and non-discretionary strategies using fundamental and technical analysis.

Christopher Ritacca is a financial advisor with Independent Financial Partners in St. Petersburg, FL, holding Series 63 and Series 65 designations and 15 years of industry experience. Prior to joining Independent Financial Partners in 2018, he worked at TIAA-CREF and TIAA from 2007 to 2018. Independent Financial Partners is a nationwide advisory firm with over 260 advisors, serving individual, charitable, corporate, and high-net-worth clients. The firm offers decentralized investment strategies alongside centralized asset management options and is notable for its retirement-plan advisory and pension consulting services.

Ryan Baney is a CFP® and ChFC® with 13 years of experience in financial advising, currently serving at Sequoia Financial Group, L.L.C. in Tampa, FL. He has been with Sequoia and its affiliated entities since 2012 and holds the position of Vice President, Private Client Services. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base including individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house models, custom portfolios, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.

Patrick Goodrich is a financial advisor with Valic Financial Advisors holding a Series 66 designation. He has one year of industry experience and has previously worked in education roles with Pinellas County Schools, Alternative Education Foundation, and Broward County Public Schools. He volunteers as a financial coach with United Way - Suncoast and is appointed to sell non-securities insurance products as an agent for AGIA. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Pegge Barrier is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked with Hornor, Townsend & Kent since 2014, including its predecessor entities, and was previously associated with Royal Alliance Associates, Inc. Barrier is also the CEO of New Day Financial Advisors, LLC, an insurance brokerage specializing in disability and health products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset managers and emphasizing client-directed implementation and oversight with a focus on non-discretionary management.

Joseph Nagy is a financial advisor at Principal Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Securities Inc. since 2016 and Principal Life Insurance Company since 1999. Outside of his advisory role, he is active as an insurance agent specializing in fixed life insurance, fixed annuities, disability insurance, and long-term care insurance. 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 financial planning, retirement consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Elaine Roberts is a financial advisor with Valic Financial Advisors in Boca Raton, FL, holding Series 63 and Series 65 licenses and having 19 years of industry experience. She has worked at Valic Financial Advisors since 2012 and is also an agent with Agia, where she is involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Danielle Jones is a CFP® and Series 65-registered advisor at J.W. Cole Advisors, Inc. in Tampa, FL, with two years of industry experience. Prior to joining J.W. Cole Advisors in 2024, she held positions at Financial Planning Solutions, DST Wealth Management, and Wilson Wealth Management. Outside of her advisory work, she is involved as a managing member of D.E.J. Blue Horizons, LLC, and operates a notary service. J.W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party managers and digital advice platforms for individuals, high-net-worth clients, and institutions. The firm uses a combination of discretionary and non-discretionary strategies, including fundamental and technical analysis.

Charles Olson is a financial advisor with J. W. Cole Advisors, Inc. in Tampa, FL. He holds Series 65 and Series 63 licenses and has two years of industry experience. His prior roles include positions at Florida Financial Advisors and four years at Cornell University. J. W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and institutional accounts. The firm uses a combination of fundamental and technical analysis along with model and manager-based strategies, providing both discretionary and non-discretionary account management.

Eric Powell is a financial advisor at Steward Partners Investment Advisory, LLC with 10 years of industry experience. He holds the Series 66 designation and has worked at several firms, including Jazz Wealth Managers, Inc. and Thrivent Investment Management Inc. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets, serving a national advisor network and a diverse client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm offers a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management solutions.

Richard Lewis Jr. is a financial advisor with Principal Financial Services in Tampa, FL, holding Series 65 and Series 63 credentials and possessing 15 years of industry experience. He has worked at various Principal entities since 2009, including Principal Securities and Principal Life Insurance Company. Outside of advisory roles, he is also licensed as an insurance agent for fixed insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active‑duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Dino Dziergas is a financial advisor at AE Wealth Management, LLC in Tampa, FL, with five years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Bayview Wealth Management and Pruco Securities, LLC. Outside of his advisory role, he is also involved in insurance sales. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, and ERISA plan sponsors. The firm uses discretionary model portfolios and a combination of fundamental, technical, and cyclical investment strategies to serve its clients.

Christopher Robinson is a financial advisor at Transamerica Retirement Advisors, LLC with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2019, following a two-year tenure at T. Rowe Price. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm’s approach relies on Morningstar Investment Management for portfolio construction and ongoing oversight, offering both managed portfolios and non-discretionary recommendations to a broad client base.

Michael Moffa is a financial advisor with Independent Advisor Alliance, LLC, holding a Series 66 credential and 21 years of industry experience. He has been with Independent Advisor Alliance since 2019 and has concurrently worked with Independent Financial Partners and LPL Financial since 2010. Moffa is involved with Prosperity Tax Advisors, LLC and Prosperity Exit Advisors, LLC, which focuses on business succession and exit planning. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans. The firm provides asset management, financial planning, wealth coaching, and retirement plan consulting, utilizing both discretionary and non-discretionary portfolio management strategies supported by multiple analytical approaches and technology platforms.

Manuel Collazo Jr. is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and 14 years of industry experience. He has held various roles across multiple firms, including interim CFO/Treasurer at Ionfi, a fintech and regtech company, and Managing Director at Bevman IGroup, where he works with clients on health insurance and property and casualty needs. He also serves as a loan representative with Legacy Mortgage Lending Corp. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individuals, retirement plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers to implement its advisory model and offers multiple program platforms such as Transamerica ONE and TFA365.

Edward Springer is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has been with TIAA-CREF since 2013. Outside of his advisory role, he owns a rental property in Pittsburgh, Pennsylvania. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered retirement plans, as well as trusts, estates, and small retirement plans. The firm differentiates its service between one-time planning and ongoing portfolio management, using a fiduciary standard for its registered investment advisory services.

Tuan Le is a financial advisor at Sequoia Financial Group, L.L.C. in Tampa, FL, holding a Series 66 designation with one year of industry experience. His prior work experience includes positions at Morgan Stanley, Charles Schwab, and State Farm, as well as entrepreneurial experience managing a nail salon business. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base that includes individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm uses a combination of model and custom portfolio solutions, supported by an Investment Policy Committee, and integrates multiple research methodologies and third-party due diligence in its approach.

Todd Hoffman is a CFP® professional with 34 years of experience in the financial services industry. He is currently a financial advisor at Steward Partners Investment Advisory, LLC and has held roles at Steward Partners Global Advisory LLC and Steward Partners Investment Solutions, LLC since 2017. Prior to that, he worked at Raymond James Financial Services, Inc. and Morgan Stanley Private Bank. Hoffman serves as trustee for the Jeffrey Hoffman Grantor Trust. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA that manages approximately $36.7 billion in assets and supports a national advisor network. The firm provides investment advisory, financial planning, and managed account programs to individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations.