Eric Bauer is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Schwab Wealth Advisory since 2021 and has worked at Charles Schwab & Co., Inc. since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s approach includes asset allocation guidance based on proprietary models and internal research, with trades executed only upon client authorization.

Ted Romine is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and 31 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and with Charles Schwab & Co., Inc. since 2009. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering customized recommendations with at-least-annual reviews while trades require client authorization.

Eduardo Montiel is a financial advisor at Schwab Wealth Advisory with six years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing Services, Bank of America, Merrill, and Wells Fargo Bank. Montiel is based in Orlando, FL. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice utilizes Schwab’s asset-allocation models and internal research tools, offering tailored recommendations with trades executed only upon client authorization.

Michael Berzovich is a CFP® professional with over 26 years of experience in the financial services industry. He has been associated with PlanMember Securities Corporation since 2007 and has concurrent roles at Retirement Planning Associates and Bencor, Inc., both of which provide retirement plan and insurance products. He also has prior experience with Lake Mary GLBPA Inc. and is currently involved with U S Employee Benefits Services Group, LLC. 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, offering education and support services including personalized retirement planning and separation counseling.

Anthony Bouton is a financial advisor at Mercer Global Advisors Inc. with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Fisher Investments and Fidelity in various advisory roles. Mercer Global Advisors serves a diverse client base including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm applies a Modern Portfolio Theory-based investment approach focusing on globally diversified, risk-appropriate portfolios with multi-factor tilts and offers a range of portfolio management and planning services.

Malachi Jones is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Charles Schwab & Co., Inc., Reeds Jewelers, Kay Jewelers, and spent two years in full-time education. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients, offering fiduciary investment advice, financial planning, and point-in-time wealth management consultations based on standardized asset-allocation models and internal research tools.

Daniel Potocki is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Empower Financial Services, The Huntington Investment Company, Cetera, and New York Life Insurance Company. He also served six years in the United States Army Reserve. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools. The firm manages investments with client authorization and offers tailored recommendations based on individual goals and risk tolerance.

Heather Mulcahy is a CFP® professional affiliated with Hightower Advisors in Orlando, FL. She has experience spanning several years with Resource Consulting Group and Hightower Advisors. 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 across various investment vehicles and strategies.

Rafael Marquez is a financial advisor with Eagle Strategies (New York Life) based in Orlando, FL. He holds the ChFC® designation and Series 63 license, and has 11 years of industry experience. His career includes roles at New York Life Insurance Company and NYLIFE Securities LLC since 2012, and he currently operates Marquez Financial & Insurance Strategies. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers, emphasizing tailored recommendations and a primarily non-discretionary asset management approach.

Brian Yannaccone is a financial advisor at Mercer Global Advisors Inc. in Orlando, FL, with 10 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation, Empower Financial Services, and Oxford Wealth Group. Yannaccone holds Series 63 and Series 66 licenses. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with investment advisory, financial, tax, retirement, estate planning, and family office services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost ETFs, index funds, separate account managers, and specialized programs, alongside educational initiatives and integrated affiliated services.

Susan Poss is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. She has been with Charles Schwab and its affiliated firms since 1999, including 12 years specifically at Schwab Wealth Advisory. She holds Series 63 and Series 66 licenses and is based in Orlando, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is guided by Schwab’s standard asset-allocation models and internal research tools, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Nolan Cancino is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with firms including Charles Schwab, Morgan Stanley Smith Barney LLC, and Julius Baer Bank & Trust (Bahamas) Limited. He is based in Orlando, FL. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Veronica Montoya is a financial advisor with Truist Advisory Services in Orlando, FL, holding a Series 66 designation and 19 years of industry experience. She has worked at SunTrust Advisory Services, Suntrust Investment Services, Inc, and SunTrust Bank since 2014. 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 third-party platforms to deliver a range of asset allocation, fiduciary support, and manager-selection services.

Ernest White III is a financial advisor at Truist Advisory Services with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Valic Financial Advisors and Suntrust Advisory Services. Outside of his advisory role, he serves as Board Member President of the Greater Orlando Morehouse Alumni Chapter in Atlanta. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary and non-discretionary manager relationships and incorporates AI-enabled tools for research and oversight in its investment approach.

Daniel Botyos is a financial advisor with Truist Advisory Services in Orlando, FL, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Truist Advisory Services since 2016 and with Truist Investment Services, Inc. since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and inter-affiliate resources, to assist clients with asset allocation, investment policy analysis, and fiduciary support.

Stuart Farb is a financial advisor with Commonwealth Financial Network in Maitland, FL, holding the ChFC® and Series 63 designations and bringing 50 years of industry experience. He previously spent 49 years at Lincoln Financial Advisors Corporation before joining Commonwealth Financial Network and Aegis Consulting in 2023. Farb is also a co-owner of The Farb Financial Group, LLC, and Farb & Schilling, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, technology, compliance, and practice-management support. The firm offers discretionary model portfolios and customizable investment solutions across various program structures.

Sean Moore is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 24 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and also associated with Charles Schwab & Co., Inc. since 2011. Prior to that, he worked at Choreo, LLC for nine years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on internal research and asset-allocation models, with a focus on tailored recommendations and a compliance framework distinct from many peers.

Daniel Novotny is a financial advisor with Commonwealth Financial Network, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has been with Commonwealth since 2014. Novotny is also a 50% owner of Breed's Hill Wealth Management, LLC, an entity created for operating a securities business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including investment management, trading, compliance, and practice management, allowing advisors discretion in portfolio construction alongside access to model portfolios managed by the firm’s Investment Management and Research team.

Andrew Keefer is a financial advisor with Independent Financial Partners in Orlando, FL, holding a Series 66 designation and bringing 19 years of industry experience. His career includes roles at Independent Financial Partners since 2009, IFP Securities since 2019, and LPL Financial from 2007 to 2019. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm offers a decentralized advisory model with multi-advisor platforms serving individual, charitable, corporate, and high-net-worth clients, and it is notable for its formal retirement-plan advisory and pension consulting capabilities.

James Kauchak is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Truist Investment Services, BB&T Securities, SunTrust Advisory Services, PNC Wealth Management, MSI Financial Services, and TD Ameritrade. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, 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, with an emphasis on inter-affiliate integration and comprehensive supervisory oversight.