Michelle Sils is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds Series 63 and Series 65 licenses. Her work history includes roles at Schwab Wealth Advisory, Charles Schwab & Co., Inc., and TD Ameritrade, as well as prior experience outside the financial industry with BMW and other firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s asset allocation models and research tools to recommend investments while clients retain final trading decisions, conducting annual reviews without discretionary trading authority.

Ryan Beesmer is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. His prior experience includes roles at Charles Schwab & Co., Inc., Lincoln Investment, and Fidelity Brokerage Services LLC. He also has experience outside of traditional finance, including involvement with a political campaign and a venture named Bowl and Barrel. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its approach from many enterprise wealth managers.

Gregory Black 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 at Charles Schwab since 1997 and has been with Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with a unique cost-and-expense payment structure and a focus on annual account reviews rather than discretionary trading.

Ernest Phillips is a CFP® professional with 19 years of industry experience, currently with Hightower Advisors since 2024. He previously worked for Resource Consulting Group for 22 years. Based in Orlando, FL, he is part of a large enterprise firm known for serving a broad mix of individual and institutional clients. Hightower Advisors provides investment advisory and planning services to pension and profit-sharing plans, charitable organizations, corporations, trusts, and other financial institutions. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research and a range of investment products.

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.

Tracy Baker is a financial advisor at Rockefeller Financial LLC with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Goldman Sachs & Co. LLC and The AYCO Company, L.P./Mercer Allied. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, and institutional clients. The firm offers portfolio management, financial planning, and consulting services through a Private Advisor model and a consolidated investment platform, also operating as a registered broker-dealer that provides securities transactions, variable insurance products, and investment banking services.

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.

Philip Grant is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Truist Advisory Services and has previously worked at various JPMorgan Chase entities. Truist Advisory Services offers investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary approaches supported by a third-party platform and manager arrangements.

Duncan Wheeler is a CFP® professional affiliated with Rockefeller Financial LLC with six years of industry experience. He has held roles at Truist Investment Services and SunTrust Advisory Services prior to joining Rockefeller Financial in 2023. Outside of his advisory work, Wheeler manages Orlando Food Finders, LLC, which promotes restaurants in Orlando via social media. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations, offering portfolio management, financial planning, and consulting. The firm combines a Private Advisor model with a consolidated investment platform, providing discretionary and non-discretionary investment solutions alongside broker-dealer services and placement of alternative investment vehicles.

Kacper Majerczyk is a CFP® and Series 66 registered advisor with Schwab Wealth Advisory, based in Orlando, FL. He has two years of industry experience, including roles at Schwab Wealth Advisory and Charles Schwab. Prior to his financial advisory career, he was self-employed and spent several years in education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews 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 a distinctive fee and management structure compared to other enterprise wealth managers.

Joseph Jamoom is a financial advisor with Fifth Third Securities, Inc. in Saint Cloud, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing, among other roles. Outside of his advisory work, he is a franchise owner and travel specialist with Dream Vacations. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs with features such as direct indexing and tax-overlay services, and operates as a subsidiary of Fifth Third Bank.

Jacob Land is a CFP® professional with 10 years of experience in the financial services industry. He currently works at Hightower Advisors and previously held roles at Resource Consulting Group and Charles Schwab. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions utilizing both affiliated and third-party managers, with services spanning portfolio management, financial planning, and retirement consulting.

Shawn Younglove is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab & Co., Inc. since 2018 and previously at US Bank. Outside of his advisory role, he operates a dog sitting business through an online app. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s proprietary research tools and asset allocation models.

Gregory Nassar is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining CWM, he worked at Ogden Wealth LLC and has a background that includes positions with Sprint/T-Mobile. Outside of his advisory role, he is involved in real estate sales and rental property inspections. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm employs discretionary portfolio management using model portfolios alongside fundamental and technical analysis, third-party sub-advisors, and customization tools, with a strong focus on retirement plan services and institutional offerings.

Tyler Watkins is a CFP® professional at Schwab Wealth Advisory with three years of industry experience. He joined Schwab Wealth Advisory in 2024 after working with Charles Schwab since 2022 and previously held a role at U.S. Tactical Security Solution. Outside of finance, he has been involved in providing private security services. Schwab Wealth Advisory offers non-discretionary fiduciary investment advice as part of the Schwab Wealth Advisory program, serving clients through comprehensive financial reviews and investment recommendations guided by Schwab’s research tools and asset allocation models.

Matthew Brown is a financial advisor with Principal Financial Services in Boise, ID, holding Series 63, Series 65, and Series 66 credentials and 16 years of industry experience. He has worked at firms including John Hancock, Ameriprise, and currently serves as President and Owner of 15:22 Wealth Management. Outside of his advisory role, he is involved in the sale of life and health insurance products through various carriers. 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 consulting, and access to third-party money manager solutions, generally implementing investments on a discretionary basis.

Brian Lazusky is a financial advisor at Equity Services, Inc. with five years of industry experience. He holds a Series 65 designation and has previously worked at Knights of Columbus and Knights of Columbus Asset Advisors. Outside of advisory work, he serves as a Knights of Columbus Insurance Field Agent, selling life insurance and related products. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizes third-party asset managers, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Brady Clar is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds the CFP® and CFA® designations and has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2018, following prior roles at Morgan Stanley and Morgan Stanley Private Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and tailored investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Blair Smith is a CFP® professional at Schwab Wealth Advisory with two years of industry experience. His prior roles include positions at The Vanguard Group, Matthias Private Wealth, and 55 North Private Wealth. He holds a Series 63 license and is based in Orlando, FL. Schwab Wealth Advisory 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 delivers annual financial reviews and investment recommendations while clients retain final trading decisions.

Jacob Buchman is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 66 and Series 63 credentials. His prior experience includes roles at Fidelity Investments, Wells Fargo Clearing Services, TD Ameritrade, and SunTrust (now Truist). 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 to recommend investments, with final trading decisions made by clients.