Matthew Maloney is a ChFC® credentialed financial advisor with 15 years of industry experience, currently affiliated with Independent Financial Partners. He previously worked with Northwestern Mutual in various capacities from 2010 to 2025 before joining his current firm. Outside of his advisory role, he is the owner of Round Table Retirement Partners. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm offers a decentralized advisory model with options for discretionary and non-discretionary management, and it is notable for its formal retirement-plan advisory and pension consulting services.

Brooks Cluxton is a CFP® professional with three years of industry experience, currently affiliated with J.W. Cole Advisors, Inc. He has held roles at Mosaic Wealth Management Group and J.W. Cole Financial, and has previous experience in educational and insurance settings. Outside of his advisory work, Cluxton serves as a head JV basketball coach. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, and access to various managed account solutions, employing both discretionary and non-discretionary investment approaches.

Thomas Brophy is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior work includes roles at Penn Mutual Life Insurance Company, Ohio National Financial Services, and THE O.N. Equity Sales Company. Outside of his advisory duties, he is actively involved in multiple insurance brokerage businesses. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered investment adviser and a FINRA-member broker-dealer, providing a range of custody, execution, and brokerage services alongside investment advice.

Joseph Stonelake is a financial advisor at Independent Financial Partners with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors from 2001 to 2024. Stonelake also owns Stonelake Wealth Management, an investment-related business. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a decentralized advisory model and is noted for its formal retirement-plan advisory and pension consulting capabilities.

Meghan Horan is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup since 2011. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with a combination of institutional scale and unique market roles, including in-house research and derivatives services.

Alfredo Haramboure is a financial advisor at Independent Financial Partners with seven years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at ADP Broker Dealer Inc. and ADP LLC. He also serves as Director of Retirement Plan Services at FORTIV, focusing on soliciting 401(k) plans. Independent Financial Partners offers a decentralized advisory model through a nationwide network of independent advisers, providing investment, financial planning, trust, and retirement-plan services to a diverse client base, including individuals, charities, corporations, and high-net-worth clients.

Malcolm Mckay is a financial advisor at J. W. Cole Advisors, Inc. with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Jonathan Roberts Advisory Group, Inc. and J.W. Cole Financial, Inc. since 2010. Outside of advising, he is also a musician and serves as vice president of Kingdom Business Alliance, a non-investment-related organization. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions with both discretionary and non-discretionary investment approaches.

Karen Roberts is a financial advisor with J. W. Cole Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 34 years of industry experience, including 14 years at J. W. Cole Advisors and prior service at Osaic FA, Inc. Roberts is involved in insurance-related activities offering disability income products, life insurance, health savings accounts, and long-term care, and she owns a business that provides book and online course sales unrelated to investments. J. W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, retirement plan services, and third-party manager platforms. The firm serves individuals, high-net-worth clients, and institutions using a range of discretionary and non-discretionary strategies and multiple custodial platforms.

Jose Jimenez is a Series 66-licensed advisor with Citigroup Global Markets in Tampa, FL, where he has worked for 12 years. He has 16 years of industry experience. Outside of his advisory role, he works as a waiter at Brio Tuscan Grill in Houston, TX. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm is notable for its large institutional scale, in-house research capabilities, and specialized market roles such as acting as a swap dealer and futures commission merchant.

Robert Perry is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and 19 years of industry experience. His prior work includes roles at Penn Mutual Life Insurance Company and SunTrust Advisory Services. Outside of his advisory duties, Perry owns an online retail business focused on home goods sold through Walmart and Amazon. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a combination of advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment adviser and a FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Michael Fels is a financial advisor at J.W. Cole Advisors, Inc. in Tampa, FL, holding Series 63 and Series 65 licenses with 28 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Citigroup Global Markets. He is also president of Fels Wealth Management, a separate wealth management and family office business. J.W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party managers and digital advice platforms. The firm serves individual, high-net-worth, and institutional clients using a combination of discretionary and non-discretionary management strategies.

David Spivey is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at GWN Securities Inc. and Capital Insurance Agency, alongside operating Franklin Spivey Financial LLC since 2013. He is based in Tampa, FL. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to provide financial planning, portfolio management, unified managed accounts, and retirement advisory services through a large network of investment adviser representatives.

Michael Wu is a financial advisor at Steward Partners Investment Advisory, LLC with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has held positions at Morgan Stanley, Raymond James, and USAA Financial Advisors. Wu is based in Land O Lakes, FL. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets and supporting a national advisor network. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management solutions.

Daniel Maroney is a financial advisor with Concurrent Investment Advisors, LLC, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Raymond James Financial Services, Wells Fargo Advisors, UBS Financial Services, and Legg Mason Wood Walker. He is also owner of Ennistymon, LLC, a support company that provides services to financial advisors. Concurrent Investment Advisors is an SEC-registered, multi-team advisory firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement plan advisory services, utilizing customized, primarily long-term portfolios with ETFs, mutual funds, and other investment vehicles.

Michael Dixon is a CFP® with 28 years of industry experience currently serving at Focus Partners Wealth, LLC. He previously worked at Charles Schwab for 21 years and held roles at InterOcean Capital Group, LLC and InterOcean Capital, LLC. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services that include investment management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies within an enhanced open architecture framework.

Kimya Kamran is a financial advisor at TIAA-CREF with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at TIAA-CREF since 2020. Prior to her advisory role, she was employed at the University of Colorado Denver and the Community College of Denver. Kamran is also involved with PnkRoyalty LLC, a business she has been associated with for over a decade. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals linked to TIAA-administered employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm separates one-time financial planning from ongoing portfolio management and serves as adviser to a donor-advised fund sponsored by Charityvest.

Christopher Sanchez is a CFP® professional with 15 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having joined in 2025. Prior to this, he worked at USAA Investment Services Company and USAA Life Insurance Company, among other roles. Outside of his advisory work, he serves as Vice President of the Habana Gardens Homeowners Association, overseeing maintenance for a townhouse community. 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 utilizes Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance, with accounts managed through third-party or affiliated money managers.

Nicolas Wolfson is a CFP® professional with nine years of experience in financial advisory. He currently works at Independent Financial Partners and has previously held roles at Ameriprise, E*Trade, and T. Rowe Price. Wolfson volunteers with the American Financial Education Alliance, where he teaches free financial education classes. Independent Financial Partners provides advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and offers a decentralized investment model alongside formal retirement-plan advisory and pension consulting capabilities.

Albert Bunner is a Series 66-licensed financial advisor with 18 years of industry experience, currently practicing at VOYA Financial Advisors, Inc. since 2014. He has prior experience at Edward Jones and Waddell & Reed and is also involved with Poppell Financial Group LLC, which provides enrollment and servicing for the State of Florida 457 plan. Additionally, he operates as an independent insurance agent selling fixed insurance products. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate that offers financial planning, portfolio management, and retirement advisory services to individuals, pension and profit-sharing plans, and corporate clients. The firm uses a combination of in-house and external strategists, model portfolios, and technology-enabled tools to implement client recommendations, with a notable focus on non-discretionary asset management.

Victor Vega III is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 65 credential and new to the industry with less than one year of experience. Prior to joining J. W. Cole Advisors, he worked in various roles including at Boatman & Bryant CPAs, PLLC as a staff accountant assisting clients with tax filings. Outside of his advisory role, he is also involved with a CPA firm providing tax-related services. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, managed account solutions, and digital advice, with investment decisions implemented on either a discretionary or non-discretionary basis.