Kristen Rainone is a financial advisor with CWM, LLC based in Oakland, Florida. She holds the Series 63, 65, and 66 designations and has 18 years of industry experience. Her work history includes roles at Carson Wealth, Cetera Advisor Networks, LPL Financial, TD Ameritrade, Charles Schwab, and Fidelity. She is also commissioned as a notary. CWM, LLC serves a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions. The firm provides portfolio management, financial planning, and retirement plan services, using discretionary account management with model portfolios overseen by an internal Investment Committee.

Jennifer Cuprill is a Series 66-licensed financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and has worked at Charles Schwab & Co., Inc. since 2010, following an earlier role at Ameriprise. 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-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor annual recommendations based on clients’ goals and risk tolerance.

Melvin Duran is a Series 66-licensed advisor at Schwab Wealth Advisory with one year of industry experience. His prior roles include positions at Charles Schwab & Co., Navy Federal Credit Union, TEKsystems, and Evermay Wealth Management LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Demian Wolters is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 designations and possessing 24 years of industry experience. His career includes roles at SunTrust Advisory Services and Truist Investment Services prior to joining Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering fiduciary services, plan design, compliance testing, and access to multiple management platforms and third-party solutions. The firm serves a broad client base including large institutional investors and sovereign wealth funds, managing approximately $79.8 billion in assets.

Bahtjar Rexha is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 designation and one year of industry experience. His prior work includes roles at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc., as well as experience in the food service and lubrication industries. Rexha is also appointed as an insurance agent, authorized to write Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary and non-discretionary investment management and retirement plan consulting. The firm combines fundamental, technical, and cyclical analysis to create tailored portfolios aligned with clients’ goals, risk tolerances, and time horizons.

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 Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2021, having previously worked at Charles Schwab Bank and TD Ameritrade. Outside of his advisory role, he is the author of a book titled *Artificial Intelligence: A Vision of the Future*, which he publishes and sells independently. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, focusing on asset allocation and investment selection guided by proprietary research tools. The firm serves a broad client base and operates with distinct compliance and operational practices related to its affiliation with Charles Schwab & Co. and related entities.

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.

Windel Taylor is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2017, with additional experience at Verizon and WFGIA. He is also involved with La Amistad Foundation, Inc. d/b/a Lakewood Center. Transamerica Financial Advisors serves a broad client base, including individual investors, pension plans, trusts, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios with both discretionary and non-discretionary management options.

Santiago Santana is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and was previously employed by Charles Schwab & Co., Inc. Outside of his advisory role, he operates a small vehicle rental business through the Turo app. 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’s guidance is based on proprietary asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

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.

Avilio Sutherland Navea is a financial advisor at Mercer Global Advisors Inc. with Series 63, 65, and 66 licenses and one year of industry experience. His prior roles include positions at Eminence Wealth Management Inc. and Strong Point Financial. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of advisory services including investment management, financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, and other investment vehicles.

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 Series 65-licensed advisor at Schwab Wealth Advisory Inc. with nine years of industry experience. He has been with Schwab Wealth Advisory since 2017 and previously worked at Pathfinder Business Strategies from 2012 to 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research, with investment recommendations tailored to client goals and risk tolerance.

Michael Bordenave is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and three years of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co. in 2025, he worked at Merrill for six years and USALLIANCE Financial Credit Union for two years. 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’s advice is based on proprietary asset-allocation models and research, offering tailored recommendations without exercising 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 Series 66-registered financial advisor with Schwab Wealth Advisory in Orlando, FL, with eight years of industry experience. He has been with Charles Schwab since 2016 and with Schwab Wealth Advisory since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.