Juan Ibanez is a financial advisor with RBC Rochdale, LLC, holding Series 65 and Series 66 credentials and 19 years of industry experience. He has been with City National Rochdale since 2017, following prior roles at Terra Capital Markets and a brief period outside the industry. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, and charitable organizations. The firm employs an active, multi-strategy investment approach that integrates quantitative screening, fundamental analysis, and proprietary tools to construct tailored portfolios across a range of asset classes.

Sachin Trivedi is a CFA® charterholder with 20 years of industry experience. He is an advisor at Truist Advisory Services, where he has worked since 2016, and has been with Truist Investment Services, Inc. since 2013. Outside of his advisory role, he is a member or manager of several companies involved in activities such as the sale of unused event tickets and estate planning holding companies. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors and participants, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms, to deliver its AMC Advantage manager-selection program and other advisory services.

Jennifer Cuprill is a Series 66-credentialed financial advisor with 18 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and has worked with Charles Schwab & Co., Inc. since 2010. She 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 annual financial reviews, retirement planning, and investment recommendations using proprietary Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its service model from many other enterprise wealth managers.

Melvin Duran is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held positions at Navy Federal Credit Union, TEKsystems, and Evermay Wealth Management LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to recommend investments while allowing clients to make final trading decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and offers annual financial reviews and wealth management education.

Chandler Altman is a financial advisor at Truist Advisory Services with nine years of industry experience. He holds the Series 66 designation and has held prior roles at JP Morgan Chase Bank, J.P. Morgan Securities, Bank of America, and Merrill. Outside of finance, he is involved in the entertainment industry as a DJ, electronic music producer, and owner of an independent electronic music record label. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches supported by AI-enabled research and extensive inter-affiliate integration.

Orlando Aska is a financial advisor at Truist Advisory Services with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Timothy Partners, Nike, and Campus Crusade. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Amy Davis is a CFP® professional with 21 years of industry experience. She is currently with Hightower Advisors, joining the firm in 2024 after nine years at Resource Consulting Group and ten years at GFO Advisory Services, LLC. Based in Orlando, FL, her background spans multiple advisory roles across different firms. Hightower Advisors provides investment advisory and planning services to a diverse range of clients, including individual and institutional investors. The firm emphasizes manager selection and multi-manager solutions, utilizing affiliated and third-party managers, proprietary research, and a variety of investment vehicles to support its advisory services.

Micah Hill is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2021, with prior roles at Charles Schwab and TD Ameritrade. Hill is also the author of a book titled *Artificial Intelligence: A Vision of the Future*. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering financial reviews and investment recommendations using Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and serves primarily individual investors without exercising discretionary trading authority.

Thomas Lo Basso is a financial advisor with PlanMember Securities Corporation in Winter Springs, FL. He holds a Series 66 designation and has been working in the financial industry since 2022, with prior experience including roles at Moe's Southwest Grill and teaching positions at River Springs Middle School and University High School. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios to deliver education, support, and customized retirement planning.

Jehu Francois is a financial advisor with Truist Advisory Services in Orlando, FL, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Truist Investment Services, Royal Alliance, and TIAA-CREF. Outside of finance, he owns a rental property management business. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platform arrangements.

Santiago Santana is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., Qkly Staffing, Together Health, and Transformco. Outside of his advisory role, he operates a small car rental business through the Turo app. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools and asset allocation models.

Joellene Aylor is a Certified Financial Planner (CFP®) with eight years of industry experience. She has worked at Hightower Advisors since 2024 and previously spent nine years with Resource Consulting Group. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and a variety of investment vehicles. The firm serves pension plans, charitable organizations, corporations, trusts, and other financial institutions with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting.

Wisely Chen is a financial advisor with Transamerica Financial Advisors and holds a Series 66 designation. Chen has been with Transamerica Financial Advisors since 2026 and has 14 years of experience with World Financial Group Insurance Agency. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with discretionary and non-discretionary options.

Robert Barth is a financial advisor with Schwab Wealth Advisory in Orlando, FL. He holds a Series 65 designation and has been with Schwab Wealth Advisory since 2017. Prior to that, he was involved with Pathfinder Business Strategies and Extended Travel. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

David Ellis is a financial advisor with Planmember Securities Corporation, holding a Series 65 credential and over 20 years of industry experience. He has worked at Planmember since 2007 and is also affiliated with U S Employees Benefits Service Group, LLC, US Retirement Partners, and Financial Reserve Services. Additionally, Ellis holds a Notary Public license. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education and support services to plan sponsors and participants.

Michael Bordenave is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and three years of industry experience. His prior work includes six years at Merrill and two years at USALLIANCE Financial Credit Union. Schwab Wealth Advisory provides fiduciary, non-discretionary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of securities using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed investment decisions without discretionary trading authority.

Charles Allen is a financial advisor with Kestra Advisory, holding a Series 66 credential and 15 years of industry experience. Prior to joining Kestra Advisory in 2022, he worked for Concourse Financial Group Securities (formerly ProEquities, Inc.) from 2016 to 2022. Outside of his advisory role, he is involved in recruiting and advisor support and also owns a property management business in Indialantic, FL. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, compliance testing, and access to multiple management platforms, serving clients such as sovereign wealth funds and large institutional investors.

Nhan Tran is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2024. Prior to joining Hightower, he worked at Resource Consulting Group for five years and Pershing LLC for five years. He is based in Orlando, FL. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes manager selection and multi-manager solutions through a combination of affiliated and third-party managers, utilizing proprietary research and a variety of investment strategies.

Nikola Nikolic is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He has been with Charles Schwab and its affiliated Wealth Advisory unit since 2016. He holds a Series 66 credential and is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and offers recommendations across a range of investment products without exercising discretionary trading authority.

Christene Maskal is a CFP®-designated financial advisor with Schwab Wealth Advisory in Orlando, FL, bringing 15 years of industry experience. She has been with Charles Schwab since 2010 and Schwab Wealth Advisory since 2014. Maskal serves as a volunteer member of the City of Lake Mary Parks and Recreation Advisory Board. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing Schwab’s asset allocation models and research tools.