Erin Morse is a financial advisor at Voya Financial Advisors, Inc. with two years of industry experience. Prior to joining Voya in 2023, she worked for Pinellas County Schools for 17 years. She holds the Series 66 designation. Voya Financial Advisors, Inc. provides investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base, including individuals, charitable organizations, corporations, and plan sponsors. The firm offers a range of advisory programs featuring both discretionary and non-discretionary investment management, supported by an extensive affiliate network and multiple custodial relationships.

Michael Cimarik is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. His background includes long-term roles at Franklin Templeton Financial Services Corp. and Franklin Templeton Distributors, Inc., as well as recent positions within Transamerica Life Insurance Company and Transamerica Investors Securities Corporation. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed and non-discretionary investment advice, leveraging proprietary technology and model portfolios from Morningstar Investment Management. The firm manages a large client base primarily through non-discretionary assets, focusing on asset allocation, contribution guidance, and retirement planning.

Michael Riley is a CFP® certified financial advisor with 25 years of industry experience, currently with Transamerica Retirement Advisors, LLC. He has worked with Transamerica Investors Securities Corporation and TRANSAMERICA Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice programs and investment education services focused on asset allocation, contribution rates, and retirement age guidance. The firm leverages Morningstar Investment Management’s proprietary tools for portfolio construction and manages a large client base primarily through non-discretionary advisory programs.

Andrew Denis is a CFP®-designated financial advisor with 24 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and its affiliated entities, having joined in 2024. Prior to this, he spent eight years with Cetera and Achieva Credit Union. He serves on the Board of Directors and is Chairman of the Membership Committee for the Rotary Club in Clearwater, FL. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulated assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, pension consulting, and managed account programs.

Patric Nassar is a CFP® with 24 years of industry experience, currently serving at Truist Advisory Services. His prior roles include positions at Bank of America, Merrill, and Hancock Bank. He serves as a finance committee member for St. Joseph's Hospital, reviewing financials and advising the board. Truist Advisory Services provides investment consulting and advisory services to individuals, business clients, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary management approaches and integrating advanced research tools in its portfolio management.

Jason Biance is a CFP® professional with 11 years of industry experience, currently serving at AE Wealth Management, LLC. His prior roles include positions at Global Financial Private Capital, LLC and American Financial Education Alliance. He serves as treasurer for the Champion for Children Foundation of Highlands County, a nonprofit focused on child abuse awareness and family support services. AE Wealth Management is an SEC-registered investment adviser that provides a platform-based approach to serving a diverse client base, including individual investors, retirement plan sponsors, trusts, and charitable organizations. The firm offers model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a combination of internally managed, third-party, and advisor-managed models.

Amber Mac Beth is a financial advisor at Sequoia Financial Group, L.L.C. in Tampa, FL, holding a Series 65 designation with two years of industry experience. She has been with Sequoia Financial Group since 2018 and previously worked as a homemaker. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base including individuals, charitable organizations, corporations, trusts, and family offices. The firm uses a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.

Joshua Donner is a financial advisor with Independent Financial Partners, holding a Series 66 designation and three years of industry experience. Prior to joining Independent Financial Partners, he spent eight years with the American Israel Public Affairs Committee (AIPAC). Outside of advisory work, Donner owns and oversees a technology and audit trail platform called Six Months and a Day and is involved in real estate as a sales associate. Independent Financial Partners is a nationwide firm that provides investment advisory, financial planning, trust, and retirement-plan services through a decentralized model. The firm supports a platform of approximately 261 advisors serving a diverse client base, with notable capabilities in retirement-plan advisory and pension consulting.

Kyra Bowden is a financial advisor at Sequoia Financial Group, L.L.C. in Tampa, FL, holding a Series 65 credential with one year of industry experience. She has been with Sequoia Financial Group since 2016, with a brief period of unemployment in 2016. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base including individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm uses a combination of model allocations and custom solutions overseen by an Investment Policy Committee and offers services spanning portfolio management, private fund management, trustee support, and retirement-plan consulting.

Frank Armitage is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2017, following six years at Invest Financial Corporation. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, operating within a vertically integrated structure that includes affiliated funds and donor-advised fund services.

Alexis Rodriguez is a CFP® and CFA® with 11 years of industry experience, currently serving at Independent Financial Partners. His prior experience includes roles at Northwestern Mutual Investment Services LLC, Fidelity Investments, and Lord Abbett. Rodriguez is also involved with FirstRise Investments, a financial services venture. Independent Financial Partners is an enterprise firm supporting a multi-advisor platform with over 260 advisors nationwide. The firm offers investment advisory, financial planning, trust, and retirement-plan services, with a notable focus on retirement-plan advisory and pension consulting, serving a broad client base including individuals, charities, corporations, and high-net-worth clients.

Carissa Ellerd is a financial advisor with Independent Financial Partners holding a Series 65 designation and based in Tampa, FL. She has been with IFP Securities, LLC since 2023 and has three years of industry experience. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a notable focus on formal retirement-plan advisory and pension consulting services.

John Willoughby III is a CFA® charterholder with 10 years of experience in the financial services industry. He is currently with HB Wealth, having joined in 2024, and previously worked at SunTrust Advisory Services and SunTrust Bank for a combined total of 14 years. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with client objectives and risk tolerance, using a combination of quantitative and qualitative due diligence across various public and private investment strategies.

Larry Parkin is a Certified Financial Planner (CFP®) with 21 years of industry experience. He currently serves as a financial advisor at HB Wealth, joining the firm in 2024. Prior to this, he worked for BB&T Securities and SunTrust Advisory Services in various capacities between 1998 and 2022. HB Wealth Management is a registered investment adviser offering wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a disciplined investment process using both quantitative and qualitative analysis across diverse asset classes and provides discretionary portfolio management aligned with clients’ objectives and risk tolerance.

Marc Wilkins is a financial advisor at Kestra Advisory Services, LLC with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including Commonwealth Financial Network, Lincoln Financial Securities Corporation, and Wells Fargo Advisors. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors and institutional investors. The firm offers fiduciary services, plan design, education, and access to multiple management platforms, serving approximately $79.8 billion in assets under management.

Andrew Schorr is a financial advisor with Independent Financial Partners, holding a Series 65 designation and nine years of industry experience. He has worked at several firms, including Advisory Services Network, LLC, and R.L.K. Advisory Group. Outside his advisory work, Schorr serves as a board member and coach for local community organizations, including the Daytona Beach Quarterback Club and the Volusia County Miracle League. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a focus on retirement-plan advisory and pension consulting services.

Christine Carter is a financial advisor at TIAA-CREF with 23 years of industry experience. She holds the Series 63 and Series 65 designations and has been with TIAA and TIAA-CREF since 2002. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, including customized portfolios under a fiduciary standard within a vertically integrated group.

Justin Hill is a financial advisor with Transamerica Financial Advisors in Clearwater, FL, holding Series 63 and Series 65 registrations and 21 years of industry experience. His prior experience includes roles at Ameriprise Financial Services, New York Life, Fisher Investments, and Colonial Life. Transamerica Financial Advisors serves a diverse client base ranging from individual and high-net-worth investors to pension plans, trusts, and corporations. The firm offers a combination of advisory and broker-dealer services utilizing proprietary and third-party model portfolios, with both discretionary and non-discretionary program options.

Joseph Arena is a financial advisor at Focus Partners Wealth, LLC with five years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Buckingham Strategic Wealth, LLC and several other firms. Arena is based in St. Petersburg, Florida. Focus Partners Wealth serves a diverse client base, including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis, third-party managers, and various investment strategies, supported by an extensive network of affiliated service companies and product relationships.

Brian Wade is a Certified Financial Planner® with 28 years of industry experience. He is affiliated with Independent Financial Partners and has worked previously at LPL Financial and Tampa Financial Group, where he is involved in the sale of fixed life, long-term care, disability, health insurance, and fixed annuities. Wade also engages in public speaking as a non-investment-related activity. Independent Financial Partners is a nationwide firm serving individual, charitable, corporate, and high-net-worth clients through a decentralized advisory model. The firm offers investment advisory, financial planning, trust, and retirement-plan services, with a notable focus on formal retirement-plan advisory and pension consulting.