Carlos Hernandez is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, he co-owns a vending machine business and is involved in real estate through property management and house flipping. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, participants, and select retail clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and managed account solutions within plan lineups set by sponsors.

Darren Clark is a CFP® professional with 12 years of experience in the financial industry. He has been with Schwab Wealth Advisory since 2014 and is also associated with Charles Schwab, where he has worked since 2010. Based in Orlando, FL, he holds Series 66 and Series 63 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s asset allocation models and research tools to recommend investments, conducting at least annual account reviews without discretionary trading authority.

Nicolas Barone is a financial advisor with Truist Advisory Services based in Orlando, FL. He holds Series 63 and Series 66 licenses and has 12 years of industry experience. Prior to his current role, he worked at Wells Fargo Clearing and Wells Fargo Advisors. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, employing AI-enabled research tools and offering a manager-selection program through affiliated entities.

James Ashbridge is a CFP® with 17 years of industry experience, currently serving at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at TD Ameritrade Inc. and Aviance Capital Partners LLC. James holds the Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients participating in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

David Salazar is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Truist, he worked at Charles Schwab & Co., Inc. and has held positions in various service and hospitality roles. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations, employing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Anthony Perrone is a financial advisor with Ameritas Advisory Services, LLC, holding ChFC® and Series 66 designations and bringing 32 years of industry experience. He has worked with Ameritas entities since 2002 and owns the Estate & Business Planning Group, where he serves as president. Outside of advisory work, Perrone is an author and speaker, involved in writing and promoting books through his roles with Platinum Advisors and TP Books, LLC. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and financial planning services delivered through affiliated representatives, utilizing model portfolios, third-party sub-advisers, and custom strategies.

William Schmidt is a CFP® with 33 years of industry experience. He is currently affiliated with Independent Advisor Alliance, LLC and has held roles at LPL Financial, Independent Financial Partners, and Schmidt Financial Resources. Schmidt Financial Resources, Inc. has been a longtime business activity of his, operating since 1992. Independent Advisor Alliance serves a diverse client base, including individuals, small businesses, charitable organizations, and retirement plans, providing asset management, financial planning, and retirement consulting services through a network model that combines independent advisory representatives with access to third-party managers and technology platforms.

Julio Guemes is a financial advisor at Principal Financial Services with 12 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Park Avenue Securities, Guardian Life Insurance Company, Ameriprise Financial Services, and Wells Fargo Advisors. Outside of his financial advising career, he is involved with SJShades, LLC, a window treatments business. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various adviser and promoter arrangements.

Charles Aten is a financial advisor with Schwab Wealth Advisory holding Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2000, including roles at Charles Schwab Bank from 2014 to 2023 and Schwab Wealth Advisory since 2023. 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 recommends investment allocations and conducts annual account reviews but leaves final trading decisions to clients, operating as an internal advisory unit within the Charles Schwab ecosystem.

Jonathon Rossi is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds a Series 66 designation and has previously worked at WealthWell Solutions, One Florida Bank, Ashton Woods Homes, FBC Mortgage, and Northwestern Mutual. Rossi dedicates part of his professional time to fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody/clearing services.

Mitchell Nunn is a financial advisor at Brookstone Capital Management LLC with two years of industry experience. He holds a Series 65 designation and has worked in insurance sales and office management at Amerilife of Brevard since 2021. His prior roles include positions outside the financial services industry, such as work at Overlook Bible Training Center and Starbucks. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, sovereign wealth funds, and banking institutions, and supports a large advisor network with model portfolios and managed account services.

Ethan Smoldt is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior roles include positions at Charles Schwab Bank, Progressive Insurance, and the University of Indianapolis. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement and planning discussions, and tailored investment recommendations. The firm operates as an internal advisory unit within Charles Schwab & Co., using standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Douglas Smith is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and has worked at Charles Schwab & Co., Inc. since 2000. 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 Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Boston Russell is a financial advisor at RBC Rochdale, LLC with the CFA® designation and 13 years of industry experience. He has worked at Rim Securities LLC and Rochdale Investment Management LLC since 2012. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, and government entities. The firm employs an active, multi-strategy investment approach that combines quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes and often collaborating with third-party sub-advisors.

Jonathan Greene is a financial advisor at Schwab Wealth Advisory with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Edward Jones, Kovack Securities, and Capital Guardian Wealth Management. He has been with Schwab Wealth Advisory since 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with an emphasis on client-directed trading and periodic account reviews.

David Gonzalez Jr. is a financial advisor at Truist Advisory Services with two years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Wells Fargo Bank, N.A. He is based in Clermont, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and supervisory oversight, to deliver tailored investment solutions.

Emma Mumpower is a financial advisor with Ameritas Advisory Services, LLC, holding the Series 66 designation and beginning her industry career in 2026. Prior to joining Ameritas, she has experience working at Fidelity Investments and is also employed part-time with Journeys Travel Company, where she plans and books vacations remotely. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients, utilizing a mix of in-house model portfolios and third-party managers.

Nahyua Muniz is a CFP®-certified financial advisor with eight years of industry experience. She is currently with Schwab Wealth Advisory, Inc., where she has worked since 2022. Her prior roles include positions at Robinhood Financial LLC and Pershing Advisor Solutions LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, 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 does not directly charge clients fees for its advisory services.

Brian Gallagher is a CFP®-certified financial advisor with 30 years of industry experience. He is currently with TIAA-CREF, having worked there since 2025 and previously at TIAA since 2017. His prior experience includes five years at Schwab Private Client Investment Advisory, Inc. and over two decades at Charles Schwab. TIAA‑CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm’s advisory model separates one-time planning services from ongoing portfolio management, offering both model-based and customized investment options.

Elliot Bramham is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Creative Planning. His prior experience includes roles at Chadwicks Limited, University of East Anglia, Allen & Overy, Shearman & Sterling LLP, and Paris Nanterre University. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental portfolio options, supported by a broad range of affiliated legal, trust, and retirement plan service businesses.