Raymond Throne II is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL, holding Series 63 and Series 65 licenses and boasting 52 years of industry experience. He has been affiliated with New York Life and NYLife Securities since 1973 and has operated Ray Throne & Associates since 2007. In addition to his advisory work, he manages independent sales of New York Life products and brokers non-registered insurance products under his own DBA. Eagle Strategies serves a diverse clientele including individual investors, retirement plans, and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various program types, primarily on a non-discretionary basis, and operates within the integrated New York Life affiliate structure.

Christopher Campos is a CFP® professional with 18 years of industry experience, currently with Truist Advisory Services in Oviedo, FL. He has been with Truist Advisory Services since 2016 and with Truist Investment Services since 2018. Outside of his advisory role, he is a member manager of SHE AND I PROPERTIES LLC, which focuses on holding rental properties. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program implemented through both discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research tools.

Adriel Irizarry is a financial advisor at Fifth Third Securities, Inc. in Orlando, FL, holding Series 63 and Series 65 credentials with eight years of industry experience. He has been with Fifth Third Securities since 2017 and has worked at Fifth Third Bank since 2015. Outside of his advisory role, he manages a rental property in Gotha, FL. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. based in Orlando, FL. He holds the Series 66 designation and has two years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab from 2021 and held positions at Berkshire Hathaway Guard, Sherwin-Williams, and Dick's Sporting Goods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement and planning discussions, 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 generally does not exercise discretionary trading authority.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliates since 2004, including seven years at Schwab Wealth Advisory. In addition to her advisory role, she serves as a member of the finance committee board at St. Mary Magdalen Catholic School, where her children attend. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts annual reviews and offers investment guidance without discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Chelsea Owens is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has worked within the Schwab organization since 2014, including roles at Schwab Private Client Investment Advisory, Inc. from 2016 to 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, with advisors recommending allocations while clients make final trading decisions.

Ryan Shim is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and 29 years of industry experience. His career includes extensive tenure at BB&T Securities and SunTrust Investment Services, where he has worked since 2000. He is based in Winter Park, FL. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and a manager-selection program, using a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior roles include positions at Charles Schwab and USAA, with over a decade of experience in financial planning and investment management. Outside of finance, he is involved in retail distribution for AdvoCare, a health and wellness company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Emanuel Guillen is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has two years of industry experience, including roles with Schwab Wealth Advisory and Charles Schwab since 2023. Prior to this, he worked in education and was involved with the Sea King Seafood Market and Waverly Woods Golf Club. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with advice delivered through an internal advisory unit rather than direct client billing.

Shane Mahadeo is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at USHEALTH Advisors Orlando, World Financial Group Insurance Agency, and Equitable Advisors LLC. Outside of advising, he is involved in entrepreneurial activities through Mahindra Enterprises Inc. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, providing access to proprietary and third-party investment models with discretionary and non-discretionary management options.

William Dudley is a financial advisor at Integrity Alliance, LLC with five years of industry experience. He holds a Series 66 credential and has worked with Lion Street Financial as well as independently as a sales contractor. Outside of advisory roles, Dudley consults for small pharmaceutical companies and is involved with LifeRoc Capital, assisting clients with life settlement transactions. Integrity Alliance is a large advisor network serving individual investors, corporations, and qualified retirement plans. The firm offers a range of portfolio management and financial planning services, employing diverse investment approaches and supports both advisory and brokerage functions.

Mayada Soufan is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with Truist Investment Services since 2016 and has been with Truist Advisory Services since the same year. Outside of her advisory role, she serves as president and treasurer of two non-investment related family businesses in the automotive sales and home building industries. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and inter-affiliate integrations, including its AMC Advantage manager-selection program.

Kirby Massey is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Charles Schwab & Co., Addition Financial, and the University of Central Florida. Massey 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 services such as annual financial reviews, retirement planning, and investment recommendations. The firm delivers advice through standard asset allocation models and Schwab research tools, with final investment decisions made by clients.

Scott Free is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 65 licenses. He has 12 years of industry experience, with prior roles at Freedom Resources and USAA financial entities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Renee Maloney is a CFP®-certified financial advisor with 17 years of industry experience, currently practicing at Truist Advisory Services. She has been with SunTrust Advisory Services and affiliated entities since 2016. Outside of her advisory work, she owns a vacation home used as a rental property in Holmes Beach, Florida. 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 offers services including asset allocation and investment policy analysis, fiduciary support, and a manager-selection program that integrates third-party managers and proprietary research tools.

Jhoanny Garcia Cardenas is a financial advisor at Truist Advisory Services with 21 years of industry experience. She holds a Series 66 designation and has worked within various Truist entities since 2018, including Truist Investment Services and SunTrust Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary and non-discretionary manager relationships, supported by third-party platforms and AI-enabled research tools.

Liza Bonet is a financial advisor with Truist Advisory Services in Winter Park, FL, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has worked with SunTrust Advisory Services and related SunTrust entities since 2014. Outside of advisory work, she manages residential rental properties. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager arrangements supported by AI-enhanced research and inter-affiliate integration.

Nathan Male is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked with Charles Schwab since 2008 and has been with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice through Schwab's asset allocation models and research tools, with associates recommending allocations while clients retain final trading decisions.

Kenneth Spafford is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds the Series 66 designation and has previously worked at MassMutual Investors Services, MassMutual, and MassMutual Trust Company, FSB. He is based in Orlando, FL. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm does not exercise discretionary trading authority and is structured as an internal advisory unit within the Schwab ecosystem.

Bradley Skipper is a CFA® charterholder and Series 66 licensee with seven years of industry experience. He is currently with RBC Rochdale, LLC and has previously worked at CNR Securities, LLC, Fidelity Investments, and City National Rochdale. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment process combining quantitative and fundamental analysis, managing portfolios across various asset classes through proprietary tools and third-party sub-advisors.