Brad Bradley is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has held various roles within Charles Schwab and its affiliated entities since 1996. Outside of his advisory work, he is a part owner of two personal services businesses in Florida. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm employs standard asset-allocation models and internal research tools to tailor recommendations, while trades require client authorization.

Tajuan Mills is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Truist Investment Services, SunTrust Advisory Services, and BB&T in various capacities since 2009. Outside of finance, Mills works as a freelance photographer and has sold some of his work through a licensing company. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plans, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships. The firm integrates third-party platforms and AI-enabled research tools to support investment decisions and emphasizes inter-affiliate collaboration within the Truist enterprise.

John Newton Jr. is a financial advisor with Valic Financial Advisors in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Valic Financial Advisors since 2005 and also serves as an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models and operating at scale with over 1,200 advisors.

Matthew Durrant is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2022. His prior roles include positions at Bank of America, Merrill, Charles Schwab & Co., and Cowen Inc. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients, focusing on asset allocation and investment selection guided by internal research tools and standard asset-allocation models.

Gregory Anderson is a CFP® professional with 20 years of experience in the financial services industry. He has worked at Schwab Wealth Advisory and Charles Schwab since 2013 and held prior roles at LPL Financial, Fifth Third Securities, Ameriprise, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research to offer tailored guidance, executing trades only with client authorization.

Craig Miller is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and possessing 27 years of industry experience. He has been with Charles Schwab and its affiliated entities since 1999, including 14 years at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm employs proprietary asset-allocation models and internal research tools to offer tailored guidance on investment selection, with trades executed only upon client authorization.

Craig Coopersmith is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has been with Truist Advisory Services since 2016 and concurrently with Truist Investment Services since 2013. Outside of his advisory role, Coopersmith serves as a board member of the Oviedo Police Foundation, where he participates in fundraising and allocation decisions. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through discretionary and non-discretionary manager arrangements supported by AI-enabled research and inter-affiliate integration.

David Johnson is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has a long tenure with Charles Schwab dating back to 1998, including experience at CUNA Brokerage Services. 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 advice is based on proprietary asset-allocation models and internal research tools, with recommendations tailored to individual goals and risk tolerance, and it operates without discretionary trading authority.

Stephen Carpenter is a Series 66 licensed advisor with Schwab Wealth Advisory, where he has worked since 2020. He has 10 years of industry experience, including roles at Charles Schwab Bank and Charles Schwab. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset allocation models and research tools to guide investment selection, with trades executed only upon client authorization.

Marina Nice is a financial advisor with Truist Advisory Services and holds a Series 66 designation. She has 19 years of industry experience, including 10 years with SunTrust Advisory Services and affiliated entities. Outside of her advisory role, she serves as an adjunct instructor at Rollins College, teaching nonprofit management classes focused on fundraising and donor relationships. 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 combines discretionary and non-discretionary management approaches and utilizes technology and inter-affiliate resources in its investment and fiduciary support services.

Erica Williams is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. She holds the Series 66 designation and has worked at Schwab Wealth Advisory since 2020, following a tenure at Charles Schwab beginning in 2013. Prior to her financial services career, she worked for the Orlando Magic from 2011 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection based on Schwab’s standard asset-allocation models and research tools, with portfolio recommendations tailored to clients’ goals and risk tolerance.

Carlton Stokes is a CFP® professional with the Series 66 and Series 63 designations, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has four years of industry experience, having worked previously at Charles Schwab and State Farm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm employs Charles Schwab’s asset-allocation models and internal research tools to guide investment decisions, with trades executed only upon client authorization.

Michelle Sils is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds Series 63 and Series 65 licenses and has five years of industry experience, including roles at TD Ameritrade and Charles Schwab & Co. Prior to her financial career, she worked in automotive sales at BMW and in other industries. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Ryan Beesmer is a CFP® and Series 63-registered advisor with Schwab Wealth Advisory, based in Orlando, FL. He has seven years of industry experience, including roles at Charles Schwab & Co., Inc., Schwab Wealth Advisory Inc., and Lincoln Investment. His background also includes positions at Fidelity Brokerage Services and involvement in a congressional campaign. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client-approved trade executions.

Douglas Sheahan is a financial advisor with Truist Advisory Services, holding the Series 63 and Series 66 designations and bringing 19 years of industry experience. His career includes roles at Morgan Stanley, Citigroup Global Markets, ICCF Wealth Management, and other firms before joining Truist. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary management supported by AI-enabled research tools and integrated inter-affiliate operations.

Gregory Black is a financial advisor at Schwab Wealth Advisory with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab and Schwab Wealth Advisory since 1997. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on internal research and asset-allocation models, with client trades executed only upon authorization.

Thomas Talmage III is a financial advisor with Independent Financial Partners, holding Series 65 and Series 63 licenses and bringing 18 years of industry experience. He has worked at firms including LPL Financial and operates multiple business ventures focusing on wealth management, exit planning, and estate planning services. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm supports a multi-advisor platform serving tens of thousands of clients and offers both decentralized investment strategies and centralized asset management options, with a notable focus on retirement-plan advisory and pension consulting.

Crystal Garner is a financial advisor with Beacon Pointe Advisors, LLC, holding a Series 65 designation and 23 years of industry experience. She previously worked at Ferrell Wealth Management for 24 years before joining Beacon Pointe in 2020. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-focused investment approach utilizing third-party independent managers, quantitative and qualitative due diligence, and offers services such as discretionary wealth management, financial planning, and outsourced CIO solutions.

Jacob Descoteau is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 66 and Series 63 licenses and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and also has experience with Charles Schwab & Co., Inc. Outside of financial services, he has worked in the restaurant industry and retail. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Denise Hoffmann is a financial advisor at Steward Partners Investment Advisory, LLC with 19 years of industry experience. She holds a Series 66 designation and previously worked for Merrill for 31 years. She is based in Winter Park, FL. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets and serving individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations. The firm offers a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management options, leveraging internal solutions and third-party money managers.