Stephen Mackall is a financial advisor with Hightower Advisors, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He previously worked at Resource Consulting Group for nine years before joining Hightower Advisors in 2024. Based in Orlando, FL, he currently serves clients through Hightower’s enterprise platform. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, including pension plans, charitable organizations, corporations, and trusts. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing affiliated and third-party managers, proprietary research, and a variety of investment vehicles to construct customized portfolios.

Judah Ben Ernst is a financial advisor with Planmember Securities Corporation, holding a Series 66 credential and 18 years of industry experience. He is involved with multiple business ventures, including serving as president of Ernst & Associates Inc and working with Bencor, Inc., a 401(a) plan provider. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive while offering education and support services to plan sponsors and participants.

Mehdey Baker is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab & Co., Schwab Wealth Advisory Inc., Merit Financial Group, LPL Financial, Bank of America, Merrill, and New York Life Insurance Company. Outside of his advisory role, he owns FLUFFY TECH LABS LLC, a small business involving an independent artist, animator, and software engineer. Schwab Wealth Advisory 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 using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., delivering advice without discretionary trading authority and distinguishing itself through unique operational features compared to other enterprise wealth managers.

Robert Nejman is a CFP®-certified financial advisor with 23 years of industry experience. He has been with Truist Advisory Services since 2016 and has worked with Truist Investment Services since 2010. Nejman is involved as a capital investor in a recreational vehicle and boat storage facility. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager-selection programs, utilizing a combination of discretionary and non-discretionary strategies with oversight from dedicated research and investment teams.

Luz Hernandez Fortis is a CFP® and Series 66-licensed advisor with four years of industry experience. She is currently with Schwab Wealth Advisory and has prior experience at Merrill Lynch, Bank of America, and BBVA Compass. Schwab Wealth Advisory 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 using Schwab’s asset allocation models and research tools.

Michael Stephenson is a financial advisor at Planmember Securities Corporation with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including US Employee Benefits Service Group, FRS Partner, and Bencor Retirement Consultants. Outside of his advisory work, he operates a photography business, selling photographs at art and craft shows. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services such as seminars and personalized retirement planning.

Lucas Marquez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Truist Advisory Services since 2016 and has worked at Truist Investment Services since 2013. Outside of his advisory role, he is an authorized member of High Five Capital, LLC, an investment entity in real estate. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plans, and charitable organizations. The firm offers services including asset allocation, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Anibal Martinez Rodriguez is a CFP® and ChFC® with 25 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2020 and previously spent over a decade at Citi International Financial Services. Rodriguez owns a real estate property in Puerto Rico that he rents out. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering personalized financial reviews and investment recommendations using Schwab’s research tools and asset allocation models.

Amanda Timirchand is a financial advisor with Truist Advisory Services, holding Series 65 and Series 63 licenses and four years of industry experience. Her background includes roles at Truist Investment Services, Truist Bank, Footlocker, and Journeys. She serves as a board member of Runway to Hope, a nonprofit supporting children and families affected by pediatric cancer in Central Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Zhujun Yang Porter is a CFP®-designated financial advisor with Schwab Wealth Advisory in Orlando, FL, bringing 16 years of industry experience. She has been with Charles Schwab and its affiliated advisory units since 2008. 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 Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Cynthia Paul is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 63 designation and 36 years of industry experience. She has been with Charles Schwab and its affiliated firms since 1993. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations using standard asset allocation models and Schwab research tools, while clients retain final trading decisions.

Robert Oglesby is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Merrill, and as a self-employed advisor. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standardized asset allocation models and Schwab research tools, focusing on annual reviews and investment recommendations without exercising discretionary trading authority.

Javier Milian is a financial advisor at Truist Advisory Services with two years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Truist, he worked at Charles Schwab and Space Coast Credit Union. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver its investment solutions.

Lauren Fonseca is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2014, including three years specifically with Schwab Wealth Advisory Inc. Outside of her financial advisory role, she is a licensed attorney in Florida and serves as a registered agent for two restaurant-related LLCs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while clients retain final trading decisions, distinguishing its approach within the Schwab ecosystem.

Joseph Avallone is a financial advisor with Planmember Securities Corporation who holds Series 63 and Series 65 designations and has 33 years of industry experience. He has held multiple roles since 1989, including president of Retirement Planning Associates, Inc., and is actively involved in youth soccer organizations as a coach and director. Avallone also serves on the Seminole County Value Adjustment Board. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options. The firm’s investment process emphasizes strategic asset allocation and risk-based mutual-fund portfolios, supported by education and support services for plan sponsors and participants.

Garth Lurvey is a CFP® professional with 22 years of industry experience, currently serving at Prime Capital Financial. His prior roles include positions at LPL Financial, SunTrust Advisory Services, and Suntrust Investment Services. He also provides tax preparation services related to investment advice at no cost to clients. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans with a range of services including asset management, financial planning, and family office offerings. The firm employs a mix of investment strategies and delivers retirement plan solutions, supported by an affiliated accounting subsidiary that provides tax planning and bill-pay services.

William Wilson is a financial advisor with First Command Advisory Services in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been affiliated with First Command Advisory Services and its related entities since 2010. Wilson is also the owner of William C Wilson & Associates, LLC, which operates as a DBA for his independent contractor activities. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporations, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs featuring model portfolios, managed by a centralized Investment Management Team and Wealth Portfolio Managers who select from prescreened third-party managers.

Susan Dixon is a financial advisor with First Command Advisory Services in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked with First Command in various capacities since 2005 and is currently the proprietor and manager of Blessed Life Financial LLC. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a long-standing focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to select and monitor portfolios and third-party managers.

Ethan Heard is a financial advisor at Ameritas Advisory Services, LLC with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Ameritas and its affiliates since 2019. Outside of his advisory role, he is a partner and mechanic at Iron Horse Offroad Builders, where he manages the business’s operations and social media presence. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs and integrates multiple custodial platforms, supporting both discretionary and non-discretionary advisory relationships.

Paul Henderson is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL. He holds Series 63, Series 65, and Series 66 licenses and has 22 years of industry experience. Prior to joining Eagle Strategies and New York Life Insurance Company, he held positions at ABC Fine Wine and Spirits and Toyota of Orlando. In addition to his advisory work, he was involved in a real estate venture focused on buying, rehabbing, and selling foreclosed single-family homes. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients. The firm offers a range of advisory services such as financial planning, investment management, and retirement-plan consulting, emphasizing tailored solutions and managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.