Michael Hay is a CFP® professional with 11 years of experience in financial services. He is currently with Navy Federal Investment Services, LLC and previously worked at USAA in various financial advisory and investment roles. Outside of his advisory career, he has involvement with Twenty Sweets LLC. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options primarily through managed advisory programs that use third-party portfolio managers.

Barret Roosa is a financial advisor at IHT Wealth Management LLC in Tampa, FL, holding Series 63 and Series 66 licenses with 18 years of industry experience. His prior roles include positions at Wells Fargo, Edward Jones, Ameriprise, and LPL Financial. IHT Wealth Management serves a diverse client base including high-net-worth individuals, pension and profit-sharing plans, charitable organizations, trusts, and corporate clients. The firm employs a blend of fundamental stock selection and quantitative tools across diversified model portfolios, offering discretionary asset management, financial planning, and ERISA fiduciary services through a network of approximately 153 advisors.

Mirko Joldzic is a financial advisor at Insigneo Advisory Services, LLC with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Insigneo Securities LLC, Raymond James & Associates, UBS Wealth Management Americas, Barclays Capital Inc., and Merrill. Insigneo Advisory Services provides investment advisory and consulting services to retail and institutional clients, offering discretionary and non-discretionary portfolio management through firm-managed portfolios, third-party manager oversight, and consulting. The firm’s investment process combines committee-driven model portfolios with individualized advisor-led strategies, incorporating global asset classes and allowing for client-imposed restrictions.

William Wolcott is a CFP® professional with 26 years of experience in the financial services industry. He is currently with Advisory Services Network, where he has worked since 2021. Prior to that, he held roles at Lincoln Investment Planning, Inc. and West Coast Financial Group. Wolcott is also licensed as an insurance agent, focusing on the sales of fixed insurance products including life, annuity, and long-term care insurance. Advisory Services Network serves individuals, families, corporations, charitable organizations, and employer retirement plans through a network of independent advisers. The firm offers portfolio management, financial planning, investment and retirement-plan consulting, and third-party manager selection, managing approximately $8.6 billion in client assets.

Daniel Stange is a financial advisor at Trajan Wealth, L.L.C. with eight years of industry experience. He holds the Series 66 designation and has previously worked at Park Avenue Securities and Guardian Life Insurance Company. In addition to his advisory role, he operates as an insurance agent, occasionally offering clients insurance products such as annuities. Trajan Wealth serves individual and high-net-worth clients as well as foundations, endowments, and institutional investors. The firm provides discretionary portfolio management, financial planning, and access to alternative investments, with an investment approach tailored to client objectives and documented in an investment policy statement.

Daniel Clements is a financial advisor at Calton & Associates, Inc. in Tampa, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Swan Financial, Independent Financial Partners, and teaching positions at the University of Tampa and Florida State University. Calton & Associates is a registered investment adviser, broker-dealer, and insurance agency serving individuals, retirement plans, trusts, estates, and business entities. The firm offers fee-based portfolio management and financial planning, utilizes multiple investment approaches, and manages accounts through firm-sponsored programs or third-party managers.

John Miller is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. He previously worked at AE Wealth Management, LLC, HFG Advisors, and has managed his own firm, JD Miller & Associates, since 2014. Miller also teaches financial planning classes through the American Financial Education Alliance. Foundations Investment Advisors, LLC provides financial planning and portfolio management to individual, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies through a large network of affiliated offices. The firm uses a combination of fundamental, technical, and cyclical analysis, along with model portfolios and an asymmetric rebalancing approach, to tailor investment strategies.

Erik Ramnauth is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, MML Investors Services, LLC, and Legacy Wealth Partners. He also serves as an administrator for his mother’s estate, coordinating with the estate attorney on her affairs. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm offers the Retirement Income Strategy Report and facilitates referrals to third-party broker-dealers and advisers, operating mainly as a referral intermediary rather than managing client assets directly.

Deborah Rosenthal is a financial advisor at Jaffe Tilchin Investment Partners, LLC with 17 years of industry experience and holds a Series 65 designation. She has been a licensed real estate broker since 1981. Jaffe Tilchin Investment Partners serves individual and institutional clients by providing investment advisory, portfolio management, financial planning, and institutional consulting services. The firm offers a range of solutions including discretionary and non-discretionary account management, private placement due diligence, and integrates private fund operational services into client servicing.

Elena Panco is a CFP® professional with one year of experience currently with BakerAvenue. She has held roles at Baker Avenue Wealth Management and Baker Avenue Asset Management since 2021 and previously worked at First Republic Bank and Bank of America. BakerAvenue Asset Management is an SEC-registered multi-team firm serving individual, high-net-worth, and institutional clients. The firm provides discretionary portfolio management, financial planning, family office services, and specialized strategies that combine quantitative and fundamental approaches, along with alternative investments and tax planning support.

Alexander Martin is a financial advisor with Arax Advisory Partners in Largo, FL, holding Series 63 and Series 65 licenses and having 31 years of industry experience. His prior roles include work with Schechter Investment Advisors, Schechter Wealth, Enlightened Finance LLC, and Trustee Empowerment & Protection, Inc. He is also the owner of 309 Harborview Lane Consulting, a small business providing strategy, technology, and administrative assistance. Arax Advisory Partners offers wealth management and advisory services to individual and high-net-worth clients, family offices, institutions, and businesses. The firm manages accounts using a combination of in-house teams, external managers, and alternative investments, supported by AI tools and third-party analytics, and is notable for its scale and recent consolidations.

Zachary Wagner is a financial advisor at Northern Trust Securities, Inc. in Tampa, FL, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, OJM Group, and several small businesses. Northern Trust Securities, Inc. is a subsidiary of Northern Trust Corporation that provides discretionary portfolio management through a model-driven wrap fee program. The firm serves high-net-worth individuals, retail investors, and institutional clients using Separately Managed Accounts, Fund Strategist Portfolios, and Strategist UMAs with integrated brokerage and custody services.

Kyriacos Antoniadis is a financial advisor with IHT Wealth Management LLC in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at LPL Financial since 2012 and was with Independent Financial Partners from 2012 to 2019. Antoniadis provides investment advisory services through IHT Wealth Management, an independent registered investment advisor. IHT Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, trusts, and corporate clients. The firm employs a blend of fundamental stock selection and quantitative tools to construct diversified model portfolios and offers discretionary asset management, financial planning, and ERISA fiduciary services through a network of approximately 153 advisors.

Mirza Duzel is a financial advisor at Capital Investment Advisors, LLC in Tampa, FL, holding a Series 66 designation with four years of industry experience. His prior experience includes roles at Bank of America and Merrill. Capital Investment Advisors, LLC is a multi-team firm serving individuals, families, corporate executives, trusts, estates, charitable organizations, and retirement plans. The firm combines integrated financial planning with discretionary portfolio management, utilizing ETF-based model portfolios and specialized offerings such as family-office style services and pension consulting.

Sean Moneypenny is a CFP® professional with 14 years of industry experience, currently serving at Csenge Advisory Group, LLC since 2020. His prior experience includes roles at Bank of America, Merrill, Arcus Capital Partners, and Fidelity Brokerage Services. Outside of financial advising, he holds an ownership interest in a retail bridal store, Love a Bridal Boutique, in Jacksonville, Florida. Csenge Advisory Group serves charitable organizations, corporations, business entities, and high-net-worth individuals, offering asset management, financial planning, and corporate retirement plan consulting. The firm uses a top-down investment approach combining fundamental and technical analysis with a rigorous relative-strength methodology, primarily utilizing mutual funds and ETFs to customize portfolios according to client goals.

Cydney Jones is a CFP® professional with six years of industry experience, currently serving as an advisor at CGN Advisors, LLC since 2021. Prior to joining CGN Advisors, she worked at ProVise Management Group from 2017 to 2020. CGN Advisors provides financial planning, investment consultation, and portfolio supervisory services to a diverse clientele, including individual clients, trusts, businesses, pension plans, and charitable organizations. The firm employs various asset-allocation strategies and tax-aware investment vehicles, frequently engaging third-party managers and conducting regular portfolio reviews.

Michelle Beall is a financial advisor with Bison Wealth, LLC, holding a Series 65 designation and three years of industry experience. She worked at HCA Healthcare for 14 years prior to joining Bison Wealth in 2023. Bison Wealth serves individuals, high net worth clients, family offices, retirement plans, corporations, trusts, estates, and charitable organizations. The firm offers financial planning, portfolio management, curated model portfolios, and ERISA retirement plan services, with an investment process focused on outcome-based, multi-manager strategies that include tactical and strategic allocations across liquid and private-market investments.

John Csenge Jr. is a CFP®-designated financial advisor with 46 years of industry experience. He is the owner of Csenge Advisory Group, LLC and has worked at notable firms including Lion Street Advisors and FSC Securities Corporation. Csenge also serves as a board member for the Diocese of St. Petersburg, where he reviews and assesses the pension plan provisions and investment performance. Csenge Advisory Group provides investment advisory and retirement-plan consulting services to individuals, high net worth clients, charities, and corporate clients. The firm’s investment approach combines fundamental and technical analysis with a relative strength methodology and a top-down market, sector, manager, and risk evaluation.

Austin Schrock is a financial advisor at Calton & Associates, Inc. in Tampa, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Calton, he worked at GWN Securities, Inc. and held various positions at Winn Dixie. Outside of his advisory role, he is a registered representative under the DBA Loggerhead Wealth Management, providing life insurance and financial services. Calton & Associates is a multi-team registered investment adviser that also operates as a broker-dealer and corporate insurance agency, serving individuals, retirement plans, trusts, estates, and business entities. The firm offers fee-based portfolio management and financial planning, as well as commission-based brokerage and insurance products, utilizing a mix of analytical approaches and third-party sub-advisers.

Zachary Klempner is a financial advisor at Accurate Wealth Management, LLC with a Series 65 credential and one year of industry experience. Prior to joining the firm, he worked in various roles including at Avila Golf and Country Club. Accurate Wealth Management serves individuals, pension and profit-sharing plans, charities, corporations, and other investment advisers by providing discretionary portfolio management, financial planning, and educational services. The firm focuses on individualized asset allocations emphasizing value, safety, quality, and risk control, managing most accounts on a discretionary basis while allowing client-imposed restrictions.