Oluwatobi Ajao is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. Before joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab and has a background that includes involvement with Auburn University Football. Outside of advisory work, he has worked as a delivery driver for DoorDash. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients primarily enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with tailored recommendations aligned to client goals and risk tolerance.

Brandon Macho is a CFP®-credentialed financial advisor with three years of industry experience. He currently works at Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., and previously held roles at Ameriprise Financial Services, LLC and RBC Capital Markets, LLC. 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 select Charles Schwab & Co.-referred clients. The firm’s approach centers on asset allocation guidance based on proprietary models and internal research, with client trades executed only upon authorization.

Abigail Lovaglio is a financial advisor at Kestra Advisory with one year of industry experience. She holds a Series 66 designation and has previously worked at Kestra Investment Services, Dynamic Equipment Group/Mascap Dealer Holdings, Mondelez International, the University of Central Florida, and Auburn University. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services including fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves large institutional investors, including sovereign wealth funds, and manages approximately $79.8 billion in assets.

Rayvon Solomon is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He is currently with RBC Rochdale, LLC and has held previous roles at CNR Securities, Ameriprise, Charles Schwab Investment Management, and several other firms. Outside of his advisory work, he owns Wet Jet LLC, a retail business. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and institutional investors. The firm employs an active, multi-strategy investment approach that integrates quantitative models with fundamental analysis and uses proprietary tools to align portfolios with client investment policies.

Michael Vickery is a Series 66-licensed financial advisor with Truist Advisory Services, based in Orlando, FL. He has 13 years of industry experience, including 10 years with SunTrust Investment Services and SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager-selection programs, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Brandon Flitsch is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Management and various Charles Schwab entities. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice follows Charles Schwab & Co.’s asset-allocation models and internal research, with client trades performed only upon authorization.

Ryan Sapell is a financial advisor with Truist Advisory Services in Orlando, FL. He holds Series 63 and Series 65 licenses and has two years of industry experience. His prior roles include positions at Truist Investment Services, TRUIST Bank, and Florida Financial Advisors. He has also worked outside finance, including a role at Tutor.com. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools.

Sheldon Brandau is a financial advisor with RBC Rochdale, LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked with Rim Securities LLC and Rochdale Investment Management LLC since 2009. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that integrates quantitative screening, statistical modeling, and fundamental analysis to tailor portfolios using proprietary tools and a broad range of asset classes.

Erin Garmon is a CFP® and Series 66-licensed financial advisor with 14 years of industry experience. She has been with Valic Financial Advisors since 2011 and also holds a role at Agia involving non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Bryan Williamson is a financial advisor with Schwab Wealth Advisory, Inc. based in Orlando, FL. He holds Series 63 and Series 66 designations and has 18 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2008 and with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain CS&Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach is guided by Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

David Payne is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at JMD Partners LLC, U.S. Retirement Partners, Retirement Planning Associates, and Summer Field Financial, among others. He is involved in multiple business ventures related to financial services and insurance. 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 uses a strategic asset allocation framework to manage unitized, risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

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.

Marcola Bennett is a financial advisor with TIAA-CREF in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with TIAA-CREF since 2006. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management and acts as adviser to a donor-advised fund.

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 has prior experience at Fisher Investments and Fidelity. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering discretionary and non-discretionary investment advisory services alongside financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios implemented with low-cost ETFs, index funds, and separate account managers.

Nelson Stiles is a financial advisor with Planmember Securities Corporation, holding Series 63 and 65 credentials and bringing 13 years of industry experience. His career includes roles at Odyssey Financial, N Stiles & Assoc., Inc., and U.S. Employee Benefits Services Group, LLC. Outside of his advisory work, he is involved in real estate brokerage through Sand Dollar Realty Group. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering a top-down strategic asset allocation approach and managing risk-based mutual fund portfolios. The firm also delivers education and support services to plan sponsors and participants.

Malachi Jones is a financial advisor with Schwab Wealth Advisory, holding Series 65 and Series 63 licenses and two years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and Charles Schwab & Co., Inc. since 2023, with prior experience in retail jewelry and education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using proprietary asset-allocation models and internal research tools tailored to individual goals and risk tolerance.

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.