Julie Flugel is a Certified Financial Planner® with 28 years of industry experience. She is affiliated with Janney Montgomery Scott and has been with the firm since 2013. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipalities, providing brokerage services, financial planning, consulting, and multiple advisory programs.

Matthew Maloney is a ChFC® credentialed financial advisor with 15 years of industry experience, currently affiliated with Independent Financial Partners. He previously worked with Northwestern Mutual in various capacities from 2010 to 2025 before joining his current firm. Outside of his advisory role, he is the owner of Round Table Retirement Partners. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm offers a decentralized advisory model with options for discretionary and non-discretionary management, and it is notable for its formal retirement-plan advisory and pension consulting services.

Joseph Stonelake is a financial advisor at Independent Financial Partners with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors from 2001 to 2024. Stonelake also owns Stonelake Wealth Management, an investment-related business. 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 decentralized advisory model and is noted for its formal retirement-plan advisory and pension consulting capabilities.

Scott Barlow is a CFP® professional with 29 years of industry experience, currently serving as an advisor at Fifth Third Securities, Inc. since 2014. The firm serves a diverse client base including individuals, high-net-worth clients, and institutions, offering investment advisory and brokerage services through various programs on the Passageway Managed Account platform. Fifth Third Securities is a wholly owned subsidiary of Fifth Third Bank and operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor.

Alfredo Haramboure is a financial advisor at Independent Financial Partners with seven years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at ADP Broker Dealer Inc. and ADP LLC. He also serves as Director of Retirement Plan Services at FORTIV, focusing on soliciting 401(k) plans. Independent Financial Partners offers a decentralized advisory model through a nationwide network of independent advisers, providing investment, financial planning, trust, and retirement-plan services to a diverse client base, including individuals, charities, corporations, and high-net-worth clients.

Logan Scott is a financial advisor with Empower Advisory Group in St. Petersburg, FL, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Empower Advisory Group, he worked at Northwestern Mutual and Tyler Technologies, and has been involved in AI-generated search engine results rating through SDL, Inc. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and participants, offering financial planning and investment management integrated with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates in its planning services, which are supported by its large scale and close affiliation with Empower’s broader financial services.

Nicolas Wolfson is a CFP® professional with nine years of experience in financial advisory. He currently works at Independent Financial Partners and has previously held roles at Ameriprise, E*Trade, and T. Rowe Price. Wolfson volunteers with the American Financial Education Alliance, where he teaches free financial education classes. Independent Financial Partners provides advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and offers a decentralized investment model alongside formal retirement-plan advisory and pension consulting capabilities.

Haley Mc Kay Daily Tibbitts is a financial advisor at Steward Partners Investment Advisory, LLC with a Series 65 designation and three years of industry experience. Prior to joining Steward Partners in 2026, she worked at Jazz Wealth Managers, Inc. from 2022 to 2026. Her background also includes roles outside finance, such as managing The Tiki Tavern from 2020 to 2022. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering a range of portfolio management and financial planning services.

Patricia Delgado is an advisor at Fifth Third Securities, Inc. with Series 65 and Series 63 credentials and one year of industry experience. Her background includes roles at Fifth Third Bank, Chase Bank, and work at the University of South Florida. Fifth Third Securities, Inc. serves a wide range of individual and institutional clients through both investment advisory and brokerage services. The firm offers multiple program types via the Passageway Managed Account Platform, including advisor-directed mutual fund and ETF models, SMA strategies, tax-overlay services, and direct indexing options.

Rori Miller is a financial advisor at Steward Partners Investment Advisory, LLC with eight years of industry experience. She holds a Series 66 designation and has worked at firms including Morgan Stanley and Raymond James Financial Services. Outside of her advisory role, she is involved in freelance graphic design through her business, RoriDesigns. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and consulting services through both discretionary and non-discretionary programs.

Alan Warren is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 1998. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, and manages accounts on a discretionary basis after client enrollment.

Craig Koller is a CFP® with over 30 years of experience in financial services. He is affiliated with Independent Financial Partners and has held roles at IFP Securities, LLC and LPL Financial. Koller's other business activities include managing a wealth management practice affiliated with LPL Financial and involvement in an insurance-related entity. 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 and offers both discretionary and non-discretionary account management, with notable expertise in retirement-plan advisory and pension consulting.

Catherine Doney is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and 20 years of industry experience. Her prior work includes roles at Waddell & Reed and LPL Financial. Outside of her advisory work, she is active in several direct sales and brand ambassador roles with companies such as Pampered Chef, Red Aspen, Heart + Soul, and Farmasi. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm manages approximately $12.77 billion in assets and delivers advisory services primarily through independent representatives, emphasizing a significant portion of non-discretionary portfolio management.

Aaron Gilman is a CFP®, CFA®, and Series 66-licensed financial advisor with 17 years of industry experience. He is affiliated with Independent Financial Partners and IFP Securities, LLC, where he has worked since 2011 and 2019, respectively. Outside of his advisory work, he is a partner in MarketPsych Insights, a software program focused on risk profiling. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a decentralized advisory model with a strong focus on retirement-plan advisory and pension consulting services.

Codiak Garland is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and seven years of industry experience. Prior to joining Transamerica in 2019, Garland worked at Northwestern Mutual Investment Services LLC and Kevin O Connell. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing proprietary software and model portfolio oversight provided by Morningstar Investment Management. The firm manages a large client base primarily using non-discretionary assets, focusing on asset allocation and retirement guidance rather than standalone financial planning or high-net-worth clients.

Christine Condeni is a CFP® and holds a Series 65 license with 10 years of experience in financial advising. She has been with Creative Planning since 2015, except for a brief period in 2017 when she was not employed. The firm provides wealth management, financial planning, and retirement-plan advisory services to a wide range of clients, including high-net-worth individuals, pension plans, trusts, and corporations. Creative Planning employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Jeffery Iseler is a financial advisor with Independent Financial Group, LLC and holds Series 63 and 65 licenses. He has 28 years of experience in the financial industry, with prior roles at firms including Ameriprise Financial Services, Morgan Stanley, and Citigroup Global Markets. He serves as an officer and director for the FBI Tampa Citizens Academy Alumni Association, a nonprofit focused on community safety education and outreach. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional accounts. The firm provides financial planning and portfolio management through various platforms and combines strategic asset allocation with multi-manager portfolios using both passive and active investment approaches.

Jeffrey Galbraith is a financial advisor with Hightower Advisors in Dunedin, FL, holding a Series 65 credential and 19 years of industry experience. He worked at Frontier Investment Management Co. for 14 years before joining Hightower Advisors in 2020. Hightower Advisors serves a diverse range of individual and institutional clients, offering investment advisory and planning services that include discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm’s investment approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a variety of investment vehicles.

Patrick Gilchrist is a financial advisor with Schwab Wealth Advisory who holds the Series 63 and Series 66 designations and has 19 years of industry experience. He has worked at Charles Schwab since 2006, including ten years with Charles Schwab Bank prior to joining Schwab Wealth Advisory in 2025. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s recommendations are based on Charles Schwab’s asset-allocation models and internal research tools, with at-least-annual reviews tailored to each client’s goals and risk tolerance.

Konstantin Bystritsky is a CFP® professional with 20 years of industry experience. He is currently with Corient and has previously worked at Fidelity Investments and CI Doyle Private Wealth. Based in St. Petersburg, FL, he holds Series 63 and Series 65 licenses. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and specialized offerings such as family office and trustee services.