Jeffrey Peterson is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 1993. Outside of his advisory role, he participates occasionally as a background actor in media productions and theme park activities. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a formal alternative-investment onboarding process.

Eduardo Pla Alvarez is a financial advisor at Edelman Financial Engines with one year of industry experience. He holds the Series 65 designation and has worked at Edelman Financial Engines and its predecessor firms since 2024, with prior experience at NYLIFE Securities LLC and New York Life. Eduardo studied at Nova Southeastern University from 2018 to 2024. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Luis Figueroa Suarez is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Charles Schwab, he worked at Mobilelinkusa LLC for four years and Regal Cinemas for two years. He is based in Orlando, FL. 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 advisory relationships and access to discretionary separately managed accounts, employing multi-asset model portfolios and centralized operational support.

Taylor Cowgill is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and MassMutual Life Insurance. Based in Orlando, FL, Cowgill's background includes roles in both financial services and other sectors such as dental care and retail. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, supported by a large integrated platform and centralized operational structure.

Gerardo Davila Diaz is a financial advisor with Charles Schwab in Orlando, FL, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at JPMorgan Chase and TD 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 discretionary separately managed accounts and provides integrated brokerage, custody, and advisory services.

Armando Cruz is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Neuberger Berman BD LLC and the NYC Driver Institute. Outside of advisory work, he provides transportation services through ride-share platforms. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Alex Martin is a Planning Consultant at Fidelity Investments, a role held since 2023. In this position, Alex collaborates closely with clients to understand their financial needs and goals, developing strategies and plans tailored to those objectives and adapting them as circumstances evolve. Alex's professional background includes experience as a Senior Team Manager at Charles Schwab from 2022 to 2023 and as a Service Team Lead at the same company from 2019 to 2022. This progression reflects a solid foundation in financial services and client management. Outside of work, Alex has interests in fitness, football, golf, pets, and puzzles.

Elvis Ngo is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including a role at Charles Schwab Bank since 2015. Charles Schwab & Co., Inc. serves 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 offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

Loretta Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has previously worked at Cetera Advisors LLC and Sunrise Wealth Advisors. In addition to her advisory role, Miller provides administrative support to Synergy Investment Management, an independent investment adviser firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of financial planning, asset management, and retirement services to individuals, institutions, and plan participants. The firm supports advisers with research-driven model portfolios, third-party subadvisors, and a variety of investment strategies.

Lance Robinson is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Charles Schwab Bank and Capco RISC Services. 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 affiliated discretionary separately managed accounts and offers a structured approach to alternative investments and cash-sweep services.

Robert O Reilly is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, he held various roles including at Dine Brands and Superjacket Productions, as well as periods dedicated to full-time education and homemaking. 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 investment guidance and access to discretionary separately managed accounts, combining extensive scale with an integrated advisory and brokerage platform.

Brian Makoff is a financial advisor at Charles Schwab in Orlando, FL, with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2004. Charles Schwab & Co., Inc. serves a large 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Brad Fang is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade, Lyft, JEDirect, Wellfit Parts, and the University of Missouri - St. Louis. 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 multi-asset model portfolios supported by in-house research and alternative investment programs.

John Romano is a CFP® professional affiliated with OSAIC, with 44 years of industry experience. He previously worked with Securities America Advisors, Inc. and Securities America, Inc. for 26 years and has been involved with Senior Capital Services for over 30 years. Romano is the author of the book *Distribution Strategies for Retirement*. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various investment types.

Robert Rycyk is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. His prior roles include positions at Primerica Financial Services, Enterprise Fleet Management, and Securian Financial Services. Outside of his advisory work, he is involved with Cambridge Planning Group, offering financial planning services across several specialized divisions, including health and long-term care planning. Cetera Investment Advisers LLC serves a broad client base that includes individual investors, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform, enabling advisors to implement model portfolios or bespoke strategies supported by a network of over 10,000 advisors.

Alex Nelsas is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. Prior to joining Charles Schwab, he worked at Northwestern Mutual and held various roles outside the financial industry, including positions at Whole Foods Market and Wing Stop. 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 SMA portfolios and emphasizes a multi-asset model portfolio approach supported by centralized custodial and operational infrastructure.

Andrew Levin is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Florida Financial Advisors and TD Bank. Outside of finance, he is a self-employed musician who writes and performs piano music. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, providing a large-scale, integrated wealth management platform.

Michael Mollica Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior work includes roles at Ameriprise and LPL Financial, alongside operating Mollica Tax Advisors LLC since 1990, where he advises clients on tax strategies. He is also a partner in a mobile home sales business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party managers, with over $256 billion in assets under management.

Sarah Payne is a financial advisor with Ameriprise in Tavares, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she serves on the Board of Directors and as Secretary for New Vision for Independence, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Nicole St Jean is a financial advisor with Charles Schwab based in Orlando, FL. She holds Series 63 and Series 65 licenses and has five years of industry experience. Her work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as positions with Albertsons Companies Inc. and Primerica. Charles Schwab & Co., Inc. serves a large client base of 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 employs a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.