Julio Guemes is a financial advisor at Principal Financial Services with 12 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Park Avenue Securities, Guardian Life Insurance Company, Ameriprise Financial Services, and Wells Fargo Advisors. Outside of his financial advising career, he is involved with SJShades, LLC, a window treatments business. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various adviser and promoter arrangements.

Charles Aten is a financial advisor with Schwab Wealth Advisory holding Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2000, including roles at Charles Schwab Bank from 2014 to 2023 and Schwab Wealth Advisory since 2023. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm recommends investment allocations and conducts annual account reviews but leaves final trading decisions to clients, operating as an internal advisory unit within the Charles Schwab ecosystem.

Jonathon Rossi is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds a Series 66 designation and has previously worked at WealthWell Solutions, One Florida Bank, Ashton Woods Homes, FBC Mortgage, and Northwestern Mutual. Rossi dedicates part of his professional time to fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody/clearing services.

Ethan Smoldt is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at Charles Schwab Bank, Progressive Insurance, and the University of Indianapolis. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement and planning discussions, and tailored investment recommendations. The firm operates as an internal advisory unit within Charles Schwab & Co., using standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Douglas Smith is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and has worked at Charles Schwab & Co., Inc. since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Jonathan Greene is a financial advisor at Schwab Wealth Advisory with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Edward Jones, Kovack Securities, and Capital Guardian Wealth Management. He has been with Schwab Wealth Advisory since 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with an emphasis on client-directed trading and periodic account reviews.

David Gonzalez Jr. is a financial advisor at Truist Advisory Services with two years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Wells Fargo Bank, N.A. He is based in Clermont, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and supervisory oversight, to deliver tailored investment solutions.

Emma Mumpower is a financial advisor with Ameritas Advisory Services, LLC, holding the Series 66 designation and beginning her industry career in 2026. Prior to joining Ameritas, she has experience working at Fidelity Investments and is also employed part-time with Journeys Travel Company, where she plans and books vacations remotely. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients, utilizing a mix of in-house model portfolios and third-party managers.

Nahyua Muniz is a CFP®-certified financial advisor with eight years of industry experience. She is currently with Schwab Wealth Advisory, Inc., where she has worked since 2022. Her prior roles include positions at Robinhood Financial LLC and Pershing Advisor Solutions LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Elliot Bramham is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Creative Planning. His prior experience includes roles at Chadwicks Limited, University of East Anglia, Allen & Overy, Shearman & Sterling LLP, and Paris Nanterre University. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental portfolio options, supported by a broad range of affiliated legal, trust, and retirement plan service businesses.

Frank Delia is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with SunTrust Advisory Services since 2016 and SunTrust Investment Services, Inc. since 2015. Based in Orlando, FL, his career includes roles focused on investment advisory within the firm’s enterprise platform. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm’s approach combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and integrated inter-affiliate service arrangements.

Linda Paul is a financial advisor at Rockefeller Financial LLC with 25 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Rockefeller Financial in 2023, she worked for Merrill for 14 years. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers discretionary and non-discretionary portfolio management, financial planning, and consulting, and operates as a registered broker-dealer providing securities transactions, variable insurance products, placement, and investment banking services.

James Benoit is a financial advisor with Schwab Wealth Advisory, holding the CFA® designation as well as Series 63 and Series 66 licenses. He has 27 years of industry experience, including more than two decades at Charles Schwab and four years at HighTower Advisors. Benoit is based in Orlando, FL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Alexander Von Svoboda is a CFP® with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. based in Orlando, FL. He has been with Charles Schwab & Co., Inc. since 2020 and joined Schwab Wealth Advisory in 2025. Previously, he worked at Adios Golf Club and Associate Investor Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations with a client-directed trading approach. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.

Chase Hill is a CFP® professional with four years of industry experience, currently advising at Schwab Wealth Advisory in Orlando, FL. His background includes roles at Charles Schwab and prior experience outside finance in parking and shuttle services as well as conservation work with the Sea Turtle Conservancy, Inc. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and focuses on client-directed investment decisions without exercising discretionary trading authority.

Colin Boyle is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. His work history includes roles at Charles Schwab, Robinhood Markets, Broadridge Financial Solutions, and Fairfield Country Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s proprietary research tools and standard asset allocation models.

Kristen Rainone is a financial advisor at CWM, LLC with 17 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at firms including Carson Wealth, Cetera Advisor Networks LLC, LPL Financial, and TD Ameritrade. In addition to her advisory work, she is a licensed notary. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools.

Jennifer Cuprill is a Series 66-credentialed financial advisor with 18 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and has worked with Charles Schwab & Co., Inc. since 2010. She is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using proprietary Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its service model from many other enterprise wealth managers.

Melvin Duran is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held positions at Navy Federal Credit Union, TEKsystems, and Evermay Wealth Management LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to recommend investments while allowing clients to make final trading decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and offers annual financial reviews and wealth management education.

Demian Wolters is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 designations and possessing 24 years of industry experience. His career includes roles at SunTrust Advisory Services and Truist Investment Services prior to joining Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering fiduciary services, plan design, compliance testing, and access to multiple management platforms and third-party solutions. The firm serves a broad client base including large institutional investors and sovereign wealth funds, managing approximately $79.8 billion in assets.