Sandra Martin is a CFP® professional with 38 years of experience in the financial industry. She has been with Raymond James & Associates since 2017 and previously worked at Merrill for 11 years. Based in Orlando, FL, she holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering tailored financial planning and consulting through various programs and an extensive affiliate network.

Fernando Velandia is a Series 66-registered financial advisor at J.P. Morgan Securities with 13 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2020 and previously held roles at Wells Fargo Clearing, Wells Fargo Advisors, Ameriprise, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research, supporting a non-discretionary program where clients retain final decision-making authority.

John Thorsen IV is a financial advisor with Wells Fargo Advisors in Orlando, FL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Wells Fargo Advisors in 2016, he worked at Raymond James & Associates from 2008 to 2016. He is a 20% owner of Thunder Consultants, LLC, a wealth advisory firm based in Orlando. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

J Peterson is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in serving wealthy families. In his role, he collaborates closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. J holds a Bachelor's degree from the University of Central Florida and an Associate's degree from Valencia College. He also attended the University of Florida and graduated from W R Boone High School. He holds the Personal Investment Advisor (PIA) designation. He maintains a professional approach focused on individualized client service and supports community involvement through volunteer activities.

Grace Pattison is a financial advisor with Cetera, holding a Series 65 credential and over 31 years of industry experience. She has been with Cetera Investment Advisers, LLC since 2017 and has concurrently maintained accounting and tax service businesses, including serving as president of All Accounting Services & Taxes Inc and G Pattison CPA. Additionally, she is president of Decorative Painters of Central Florida Inc, an art class organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and consulting services across multiple program structures, utilizing both affiliated and third-party managers.

James Caldwell is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 66 designation and has worked at several firms including Fairwinds Credit Union and Raymond James & Associates. Caldwell is also involved with Creative Comp Solutions, an outside employment role unrelated to his primary advisory duties. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment approaches and advisor-support technologies, and oversees over $819 billion in discretionary assets with a network of more than 22,800 advisors.

Alvaro Grullon is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at various Charles Schwab entities since 2022 and previously at Truist Bank and Truist Investment Services from 2016 to 2022. Outside of his advisory role, he manages The OZone Podcast LLC, which involves content creation and general management of the podcast. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed account and financial planning services. The firm offers a combination of non-discretionary advisory models and discretionary separately managed accounts, supported by a large client base and centralized operational infrastructure.

Chad Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and eight years of industry experience. He previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. Outside of his advisory role, Richardson serves on the board and finance committee of Five Acres and coaches youth sports at Saint Philip the Apostle School. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual clients, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Janet Buley is a financial advisor at Fidelity with Series 63, 65, and 66 designations and 22 years of industry experience. Her prior roles include positions at FourthThought Private Wealth, Wells Fargo Advisors, Cetera, and Valic Financial Advisors. She works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios across a broad range of asset classes.

Timothy Bol is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 17 years of industry experience. Prior to joining Raymond James in 2025, he worked at Cambridge Investment Research and Mass Mutual Investors Services. Outside of his advisor role, he is a fixed insurance agent and a 25% owner of Lake Park Wealth Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth families, institutions, and charitable organizations. The firm offers tailored non-discretionary planning using risk profiling and analytical modeling, supporting clients through advisory programs and other providers.

Lawrence Hatch is a financial advisor with LPL Financial in Orlando, FL, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has previously worked at First Horizon, SunTrust Advisory Services, and SunTrust Bank. Outside of his advisory role, Hatch serves on the boards of several nonprofit organizations, including The Assistance Fund, Advent Health Children's Foundation, and the Orlando Science Center, as well as the Greater Orlando Sports Commission. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services with a focus on financial planning, model portfolios, third-party asset management, and institutional platforms.

Todd Thornley is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 66 designation and 25 years of industry experience. His prior work includes three years at Morgan Stanley Dw Inc. from 2000 to 2003. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a range of brokerage and advisory solutions to serve a diverse client base.

Samuel Pereira is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 designations and three years of industry experience. Prior to his advisory role, he worked in various positions including at Charles Schwab Bank and operated an Etsy shop. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investments.

Natalia Rios is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015, based in Orlando, FL. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Vandergrift is a financial advisor with Raymond James & Associates in Orlando, FL. He holds the CFP® and ChFC® designations and has 37 years of industry experience. Prior to joining Raymond James in 2019, he spent nine years at Ameriprise Financial Services. Outside of his advisory role, he co-owns College Park Investments, LLC, a business managing single-family rental properties in Orlando with his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutional clients, and municipalities. The firm offers non-discretionary financial planning and consulting services supported by a wide range of portfolio management styles, affiliated research, and municipal advisory services.

Kristina Dhountal is a financial advisor with Edward Jones in Orlando, FL, holding CFP® and ChFC® designations and over 20 years of industry experience. She has been with Edward Jones since 2005. Outside of her advisory role, she is the CEO of Chicks, a for-profit education business where she serves as a teacher and coach. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices nationwide.

Chris Barfield is a financial advisor with Raymond James & Associates in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include tenures at Bank of America and Merrill Lynch. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a wide range of clients, including individuals, institutional investors, charitable organizations, and government entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles and supported by extensive research and affiliated sub-advisers.

Richard Domroski is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Wells Fargo Clearing since 2018 and has been with Wells Fargo Bank, N.A. since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Sandra Suehle is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Charles Schwab and its bank affiliate since 2015. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a centralized operational structure and extensive due diligence on alternative investments.

Kiley Hard is a Series 66 licensed financial advisor with 11 years of industry experience. He has been with Osaic since 2018 and previously worked at Sii and John Hancock. Hard is also involved in several financial services-related business activities, including roles as Director of Operations and Director of Client Relations at multiple LLCs. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services supported by a model-based investment approach and a multi-advisor platform.