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 in Orlando, FL, holding Series 63 and Series 65 licenses and bringing three years of industry experience. Prior to joining Truist, she worked at Footlocker and Journeys. She serves as a board member for Runway to Hope, a nonprofit supporting families affected by pediatric cancer in Central Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix 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, holding a Series 63 designation and over 35 years of industry experience. She has been with Charles Schwab since 1993 and with Schwab Wealth Advisory since 2015. Based in Orlando, FL, she provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary investment advice through annual financial reviews, retirement planning, and investment recommendations across multiple asset classes, utilizing Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory approach from many peers.

Robert Oglesby is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and six years of industry experience. His career includes prior roles at Edward Jones, Merrill, and operating his own business from 2021 to 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations, with final trading decisions made by clients.

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 with Ameritas Advisory Services, LLC, holding Series 65 and Series 63 licenses and seven years of industry experience. He has worked with Ameritas since 2019 across multiple affiliated entities and operates his own firm, Ethan T. Heard and Co. LLC. Outside of financial advising, he is a partner in Iron Horse Offroad Builders, a mechanic shop where he also manages the business's social media presence. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a variety of discretionary and non-discretionary programs, using in-house models and third-party managers, and maintains affiliations with related financial institutions to support its diverse client base.

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.

Jason Lesko is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked with Charles Schwab since 1996 and has been with Schwab Wealth Advisory Inc. since 2016. Located in Orlando, FL, his career has been primarily within the Schwab organization. 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 across various asset classes. The firm utilizes Charles Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Mark Miller is a financial advisor at Schwab Wealth Advisory in Orlando, FL, with 26 years of industry experience. He has been with Charles Schwab since 1999 and with Schwab Wealth Advisory since 2012. He holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations without exercising discretionary trading authority, serving primarily individual clients within the Schwab ecosystem.

Christopher Rich is a financial advisor at Eagle Strategies (NY Life) with 16 years of industry experience. He holds the ChFC® designation and Series 63 license. His career includes roles at Nylife Securities LLC and New York Life Insurance Co since 2009. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated advisers. The firm offers a variety of program types, emphasizing tailored recommendations and managing the majority of assets on a non-discretionary basis.

Eugenia Hernandez Monteverde is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL. She holds Series 63 and Series 66 licenses and has 11 years of industry experience. Her prior work includes roles at Nylife Securities LLC and New York Life Insurance Co, where she has been employed since 2014. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, with the majority of assets managed on a non-discretionary basis.