John Delgado is a financial advisor at VOYA Financial Advisors, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Raymond James & Associates and Fidelity Brokerage Services. Outside of his advisory role, he owns and manages a family-operated mobile food truck business and is the author of a book titled *50 Rules of Life for My Kids*. VOYA Financial Advisors, Inc. serves a wide range of clients, including individual and institutional investors, offering financial planning, portfolio management, and plan-sponsor consulting through multiple program structures such as Unified Managed Account wrap programs and third-party money manager access.

Michael Ebert is a financial advisor with Principal Financial Services, holding Series 65 and Series 63 credentials and three years of industry experience. His prior work includes roles at New York Life Insurance Company and NYLife Securities LLC. Outside of advising, he offers insurance solutions through external group benefit providers. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Brian Bohnen is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, Series 65, and Series 66 registrations and bringing 16 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation, Transamerica Retirement Solutions, and Allstate Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs that focus on asset allocation, contribution rates, and retirement planning. The firm utilizes proprietary software and model portfolios developed in partnership with Morningstar Investment Management to deliver both discretionary and non-discretionary recommendations.

Justin Cabibi is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at GWFS Equities, Cetera, Regions Bank, and Bbtis. He is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors serves U.S.-domiciled individual investors, including 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-developed UMA models and operating at a large scale with approximately $26.4 billion in discretionary assets under management.

Paul Sponseller is a CFP® with 28 years of experience in the financial industry. He is currently with Independent Financial Partners, where he has worked since 2019. His prior roles include positions at WealthSource Partners, LLC, Moors & Cabot, Inc., Niagara International Capital Limited, and Raymond James & Associates. Sponseller serves on the Board of Directors for Mary and Martha House, a battered women’s shelter in Ruskin, Florida. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a decentralized advisory model and a notable focus on retirement-plan advisory and pension consulting.

Jean Rullier is a Series 66-licensed financial advisor with Truist Advisory Services in Tampa, FL, and has two years of industry experience. His prior roles include positions at Wells Fargo and Truist Bank. Outside of his advisory work, he has contracted with Carvertise Inc., a car advertising company, driving a wrapped vehicle as part of an advertising agreement. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches, integrating services across affiliated entities.

Jacqueline Perez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and seven years of industry experience. Her background includes roles at Wells Fargo Clearing, Cetera Investment Services, Regions Bank, and PNC Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Robert Fradette is a CFP® and ChFC® with 38 years of industry experience. He is currently affiliated with OSAIC Institutions, Inc. and has held roles at Infinex Investments, Inc. since 2016 and Chelsea Groton Financial Services, Inc./Chelsea Groton Savings Bank since 2000. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, and corporate clients through a network of investment adviser representatives. The firm combines discretionary and non-discretionary advisory services with access to alternative investments, lending solutions, and a distinctive hybrid adviser/broker-dealer structure.

Joshua Juell is a financial advisor with FIFTH THIRD SECURITIES, Inc. He holds the Series 65 and Series 63 licenses and has three years of industry experience. Prior to his current role, he has been associated with Fifth Third Bank since 2016. Outside of his advisory work, he is involved in timeshare rental ownership and conducts occasional odd-lot resales on eBay. FIFTH THIRD SECURITIES, Inc. serves a diverse clientele including individuals, high-net-worth clients, institutions, corporations, trusts, and retirement accounts through both advisory and brokerage services. The firm offers a range of investment programs on the Passageway Managed Account platform, combining third-party portfolio management with advisor guidance, and operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor.

Nathan Anderson is a CFP® with 11 years of industry experience, currently working at Empower Advisory Group since 2023. He previously held roles at Personal Capital Advisors Corporation, Mariner Wealth Advisors, and TD Ameritrade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Randy Aranowitz is a financial advisor with GWN Securities Inc., holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has worked with GWN Securities since 2004 and has also been associated with Kades Margolis Corp. since 1990. Outside of his advisory role, he is licensed to market and sell various types of insurance. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of advisors and offers a range of managed-account programs that include both traditional asset-allocation and legacy market-timing strategies.

Melanie Ross is a CFP® professional at Cerity Partners LLC with eight years of industry experience. She has worked at Cerity Partners since 2019 and previously held positions at Intuit and Cray Kaiser Ltd. Cerity Partners provides customized wealth management and related services to a diverse national client base, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset-allocation and manager selection strategies and offers a range of services including portfolio management, financial planning, retirement plan consulting, and access to alternative investments.

Seth Arndt is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 63 credentials and 17 years of industry experience. He has worked at Guardian Life Insurance Company of America and Park Avenue Securities since 2014. Outside of his advisory role, he manages Empower Financial LLC, a management entity for accounting, tax, and marketing purposes. Park Avenue Securities LLC operates as Park Avenue® Wealth Management, serving individuals, pension plans, charitable organizations, and corporate clients through brokerage services, financial planning, retirement consulting, and various investment advisory programs. The firm offers discretionary and non-discretionary advisory relationships using in-house and third-party model portfolios, alongside a hybrid digital advisory solution.

Michael Mccormick is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Ameriprise and Guggenheim Funds Distributors. He is also the owner of Southshore Wealth Management. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Joseph Rowe is a financial advisor with Ameriprise in Ellenton, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2002. Outside of his advisory role, he is involved in a consulting business, JNA Solutions, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written retirement income plans and annual planning advice focused on income stability and tax-aware withdrawal strategies.

Zachary Van De Yacht is a Series 66-credentialed financial advisor with six years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior roles include positions at Baird, William Blair, and Russell Investments. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of proprietary and third-party model strategies across multiple custody platforms.

Glenn Krcmaric is a financial advisor with Osaic, holding Series 63 and Series 66 licenses and 25 years of industry experience. His prior work includes more than two decades with Payant Financial Services and 14 years at Sagepoint Financial. In addition to his advisory role, he is a licensed insurance agent involved in running proposals and illustrations and assisting with policy evaluations. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, institutional plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of integrated financial services and employs various tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Megan Boston Wood is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Fifth Third Bank and various healthcare and communications firms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its approach.

Levi Wiget is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments since 2006, including roles at Fidelity Personal and Workplace Advisors. Outside of his advisory work, he owns a business consulting firm that provides coaching to local businesses and is involved in recreational fishing. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and advises multiple registered investment companies.

Yann Gehan is a Series 66 licensed financial advisor with Edward Jones in Lakewood Ranch, FL, where he has worked since 2013. He has 12 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.