David Melnyk is a CFP® professional with 11 years of industry experience, currently with OSAIC Institutions, Inc. He has worked at Ameriprise, Grotto Ventures, and several other firms prior to joining OSAIC Institutions. Melnyk is also president and sole member of Grotto Consulting, LLC. OSAIC Institutions, Inc. serves a diverse client base including high-net-worth individuals, retirement plans, trusts, and corporate clients through a large network of investment adviser representatives. The firm combines advisory and broker-dealer registrations, offering customized financial planning, ERISA services, and access to alternative investments within a hybrid supervisory model.

Yongze Shao is a CFP® professional with three years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Orlando, FL. His career includes roles at Charles Schwab & Co., Inc. and prior experience in education and business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing firm-developed asset allocation models and conducting at-least-annual reviews tailored to client goals and risk tolerance.

John Singletary is a financial advisor at Schwab Wealth Advisory with 30 years of industry experience. He has worked at Charles Schwab and its affiliated entities since 2003. He holds Series 63 and Series 65 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to guide investment decisions, with reviews and recommendations tailored to client goals and risk tolerance.

Derek Walls is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2004 and with Schwab Wealth Advisory since 2012. Outside of his advisory role, he serves as Chairman and Advisor for the Kappa Leadership Development League, a youth mentoring program, and is a Board of Director at The Experience Christian Center in Orlando, FL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with trades executed only upon client authorization.

Carroll Matthews is a financial advisor at PlanMember Securities Corporation with eight years of industry experience. He holds a Series 65 credential and has worked in various financial advisory roles, including at US Retirement Associates and LifeTyme Financial Advisors. Outside of finance, Matthews works in healthcare as a nurse practitioner and registered nurse, providing primary care and veteran evaluations. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, offering fiduciary oversight and participant-level investment options. The firm’s investment approach centers on strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Sebastian Paz is a financial advisor at Schwab Wealth Advisory, Inc. in Orlando, FL, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc., Grove Bank & Trust, and JLM Advisors. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations based on Charles Schwab’s asset-allocation models and research tools.

Jordan Kerney is a financial advisor at Schwab Wealth Advisory with Series 66 credentials. Based in Orlando, FL, he began his advisory career in 2026 with Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. Prior to this, he held various roles across multiple industries including hospitality and retail. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and internal research tools to guide investment selections, delivering tailored recommendations with client authorization required for trades.

Michael Fornasier is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with PlanMember since 2023 and previously held positions at Securities America Advisors, Inc., Investacorp Advisory Services, and Sound Asset Advisors. He is also president of Sound Asset Advisors, an investment-related firm that provides securities and insurance sales and services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary under ERISA Section 3(38) for many plans. The firm employs a top-down strategic asset allocation approach using risk-based mutual fund portfolios and offers education, support services, and personalized retirement planning to plan sponsors and participants.

Livan Gomez is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and four years of industry experience. His background includes roles at Wells Fargo Clearing and Wells Fargo Bank, as well as employment at Miami Dade College. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach relies on Charles Schwab's asset-allocation models and internal research tools, offering tailored recommendations without discretionary trading authority.

Alex Figueroa is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles including at Charles Schwab & Co., Inc. and Uber Eats. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance focuses on asset allocation and investment selection using Charles Schwab’s proprietary research and standard models, with client authorization required for all trades.

Matthew Price is a financial advisor with Equitable Advisors, holding a Series 66 designation and five years of industry experience. Prior to his current role, he worked at Chick Fil A and attended Samford University. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a variety of third-party advisory models and provides ERISA fiduciary services to qualified plans, without sponsoring its own wrap fee program.

Alfred Baker is a CFP® with 44 years of industry experience, currently affiliated with Cetera. His prior experience includes roles at Concourse Financial Group Securities Inc and Security Financial Management. He also operates (dba) Solutions Group Wealth, providing advisory services alongside his work at Cetera. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual and institutional clients with a range of portfolio management, financial planning, and retirement services, offering access to multiple investment managers and program options.

Cole Brothen is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at several firms including Evershore Financial, Securian Financial Services, and Minnesota Life Insurance, and currently owns Brothen Financial Services LLC. Outside of his advisory roles, Brothen serves as the Chapter President of a local BNI networking group. Cetera Investment Advisers LLC operates a nationwide network of independent advisors, serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and custodial relationships.

Gabriela Sayre is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding Series 63 and Series 66 licenses and having 24 years of industry experience. She has been with Charles Schwab since 2003. 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 alongside alternative investment options.

Cory Beltran is a financial advisor with Edward Jones in Apopka, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Integrity Marketing Group and held various roles in logistics, entertainment, and hospitality sectors. He was also the previous owner of Elluminate Presents LLC, an audio and equipment rental business serving venue locations in the Greater Orlando area. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and maintains a large network of advisors and branch offices nationwide.

Ivan Valdes is a financial advisor with MassMutual Investors Services in Maitland, FL, holding a Series 63 credential and over 30 years of industry experience. He has been with MassMutual Investors Services and MassMutual Life Insurance Co since 1996. In addition to his advisory role, he is engaged in sales activities related to life, health, group life, group health, and disability insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved analytic tools to support annual, collaborative planning relationships.

Chaz Lachina is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Truist and Top Golf. Charles Schwab 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios and a centralized operational structure.

John Bell IV is a financial advisor with LPL Financial in Maitland, Florida, holding Series 63 and Series 65 licenses and having 17 years of industry experience. His prior work includes roles at Securities America Inc., Securities America Advisors, Park Avenue Securities, and Guardian Life Insurance Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset managers, with account management delivered primarily by investment adviser representatives using a variety of strategic and tactical investment options.

Jon Veneziano is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients in Central Florida since 2003. He holds the designation of Personal Investment Advisor (PIA) and has over 25 years of experience in the financial services industry. In his role, Jon combines traditional financial advice with custom investment strategy development, managing portfolios through a broad selection of Merrill model portfolios and third-party strategies. As a specially qualified Senior Portfolio Advisor, he is able to provide discretionary management of client investment strategies within the Firm’s Investment Advisory Program. His expertise encompasses family wealth management, employee financial health, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, special needs planning, and sports and entertainment finance. Jon’s approach to wealth management is consultative and objective, focusing on personalized strategies aligned with clients’ long-term goals. Jon holds a Bachelor’s Degree from the University of Hartford. Outside of his professional responsibilities, he participates in community volunteering and dedicates time to personal interests including fishing, golfing, and spending time with his family.

Stacy Dearman is a financial advisor at Edward Jones with 15 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.