Josue Nunez is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 designations and previously worked at firms including Morgan Stanley and Northwestern Mutual. Outside of his advisory work, he was involved with Recycle A Bicycle from 2014 to 2019. 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 advisory relationships and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and due diligence on alternative investments.

Tameka Smart is a financial advisor with Charles Schwab in Orlando, FL, holding Series 66, Series 63, and Series 65 credentials and 12 years of industry experience. She previously worked at USAA in various financial advisory and investment management roles from 2015 to 2020. Outside of her advisory work, Smart owns Smart Inspiration, through which she publishes and sells a children's book. Charles Schwab 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 SMAs, using multi-asset model portfolios and a comprehensive alternative-investment due diligence process.

Nicholas Volence is a financial advisor with Merrill, holding a Series 66 designation and having four years of industry experience. He has worked at Bank of America and SunTrust, as well as co-founding Fresh Alternatives LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

David Doorneweerd is a financial advisor with LPL Financial holding CFP® and Series 66 designations and 27 years of industry experience. He previously worked at Arbor Point Advisors and Securities America, Inc. for ten years and at OSAIC for one year. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Ana Arango is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. Her prior work history includes roles at JP Morgan Chase Bank and JP Morgan Securities. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Patricia Adams is a financial advisor with Wells Fargo Clearing in Lake Mary, FL, holding a Series 63 designation and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors from 2013 to 2016. Outside of her advisory role, she serves as a notary public. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical for large institutional advisers.

Phillip Smeltzer is a financial advisor with Ameriprise in Athens, OH, holding a Series 66 designation and having 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he is involved in managing a tree farm and rental real estate holdings through several LLCs. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to deliver tailored advice primarily for clients holding assets in Ameriprise managed accounts.

Seth Jones is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Kurtiss Nelson is a financial advisor at Fidelity with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with various Fidelity entities since 2012, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a commodity pool operator and advisor to registered investment companies, incorporating advanced methodologies including AI in its investment process.

Justin Kiuttu is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 credential and three years of industry experience. He has worked at Charles Schwab since 2021 and previously spent five years at Hilton Grand Vacations. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Lisa Stratton is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. She has worked at Charles Schwab since 2006, with a brief period of employment at Wayfair and Corning Community College in 2018-2019. 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. Schwab offers both non-discretionary advisory services and access to affiliated discretionary separately managed accounts using multi-asset model portfolios and centralized operational support.

Begum Ladha is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. She has been with Charles Schwab since 2003 and currently works with Charles Schwab Trust Bank, Charles Schwab Premiere Bank, and Charles Schwab Bank, SSB. 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, offering multi-asset model portfolios and a centralized operational structure.

Daniel Gorman is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Charles Schwab Bank, Sherwin Williams, and the Florida Institute of Technology Office of Development. Charles Schwab & Co., Inc. serves a large client base of mainly high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and thorough due diligence processes.

Maxwell Mrakuzic is a financial advisor at Stifel with one year of industry experience. He holds the Series 66 designation and has also worked at Cetera and CETERA Advisor Networks LLC. His background includes roles outside finance, such as positions at Orlando Dinner Entertainment and Medieval Times Dinner & Tournament. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

James Hasley is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and over 32 years of industry experience. He has been with Mass Mutual Investors Services since 1994 and with MassMutual Life Insurance Co since 1993. Outside of his advisory role, he serves as president of Eta Pi House, Inc., a nonprofit organization providing student housing for members of the Sigma Chi fraternity at the University of Central Florida, and acts as treasurer for Villages Ducks Unlimited, a local nonprofit chapter. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships that utilize firm-approved analytical tools.

Justin Holmes is a Series 66-licensed financial advisor with 17 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent 10 years at TD Ameritrade. He is based in Westlake, TX. 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 offers a mix of non-discretionary and discretionary investment solutions, leveraging multi-asset model portfolios and a centralized operational structure.

Stanley Sargent serves as a Vice President and Resident Director at Merrill Lynch Wealth Management. With 43 years of experience in the financial services industry, including 33 years at Merrill Lynch, he assists clients in developing strategies to manage their financial futures. Stan is a 1980 graduate of the University of Florida Business School and has earned the Chartered Financial Consultant (ChFC) designation from The American College. Stan's expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, and retirement income. He is a member of the Merrill Families of Children With Disabilities Program, which integrates strategies for families with special needs children. His approach emphasizes long-term financial strategies covering investments, insurance, and lending solutions, focusing on setting objectives, devising appropriate strategies, implementing advice, and actively reviewing progress. In addition to his professional work, Stan is involved with community organizations such as Nathaniel's Hope and Quest INC. He is also interested in baseball, cooking, football, golfing, and woodworking.

Matthew Coto is a financial advisor at Charles Schwab with 12 years of industry experience. He has been with Charles Schwab since 2014 and previously worked for Universal Orlando from 2001 to 2017. Outside of his advisory role, he is a partner and production manager at Ambercast, LLC, a company involved in the development and production of entertainment media projects and related retail products. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated services. The firm offers a combination of non-discretionary and discretionary investment options with a multi-asset model portfolio approach and centralized custody and operational support.

Daniel Trivison is a financial advisor with LPL Financial in Maitland, FL, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at LPL Financial since 2017 and was previously with National Planning Corporation from 2005 to 2017. He has also operated Daniel Trivison & Associates since 1992. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Lewis Salvati is a Series 66-licensed financial advisor at Cetera with one year of industry experience. He has held positions at Regions Bank, Equitable Advisors, and New Era Life Insurance Company, among others. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to various program structures and third-party managers.