Matthew Ward is a financial advisor at Fifth Third Securities, Inc. with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Fifth Third Securities since 2019, following prior experience at Fifth Third Bank and Reynolds and Reynolds. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration with its affiliation to Fifth Third Bank to provide a range of discretionary managed-account programs featuring direct indexing, tax-overlay services, and access to various fund strategist portfolios.

John Appleby is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His career includes roles at J.P. Morgan Securities, Morgan Stanley, Massachusetts Mutual Life Insurance, and Fidelity. He also serves as a Psychological Operations Specialist in the United States Army. 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. The firm’s guidance is based on proprietary asset-allocation models and research tools, with trades executed only upon client authorization.

Francesco Bonacia is a financial advisor at PNC Wealth Management in Orlando, FL, holding Series 63 and Series 66 credentials with one year of industry experience. His prior roles include positions at Raymond James Financial Services and Northwestern Mutual, as well as work experience outside finance including roles at Tusculum University and DoorDash. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio offering that uses algorithmic risk assessment and delegated execution with mutual funds and ETFs.

Matteo Liccardo is a CFP® professional with three years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. His prior work includes roles at Charles Schwab and Erickson Living. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset allocation models and research tools, offering at-least-annual reviews with recommendations tailored to client goals and risk tolerance.

Alexander Liedberg is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2025, following prior roles at Fisher Investments and Mass Mutual Life Insurance Co. He has also worked outside financial services in roles at Platinum Parking and Target. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s advice is based on Schwab’s internal research tools and asset-allocation models, with trades executed only upon client authorization.

Leandro Velazquez is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to his current role at Charles Schwab & Co., Inc., he worked in various positions including at JRM Truck Parking, the University of Central Florida, Orange Lake Resort, and Osceola High School. 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-referred clients. The firm’s guidance is based on Schwab’s standard asset-allocation models and internal research tools, with client-approved trade execution and regular portfolio reviews.

Christopher Chung is a financial advisor with Truist Advisory Services in Orlando, FL, holding a Series 66 designation and five years of industry experience. His career includes roles at Truist Investment Services, Truist Advisory Services, Truist Bank, and SunTrust Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm uses a combination of discretionary and non-discretionary strategies, including third-party manager selection supported by AI-enabled research tools and integrated inter-affiliate services.

Melissa Rimsky is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Brookstone Capital Management LLC since 2022. Her prior roles include positions at Innovation Partners LLC, Amerilife, Park Avenue Securities, Guardian Life Insurance Company, and Valic Financial Advisors. Rimsky is also an independent insurance agent assisting clients with various insurance products and serves as a trustee for a family trust. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning to a diverse client base that includes individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily on a discretionary basis through model portfolios, unified managed accounts, and separately managed accounts, supporting a large advisor network with turnkey asset management and wrap-fee programs.

Michael Tuazon is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2015, with prior positions at Wells Fargo Clearing, Morgan Stanley, Woodbury Financial Services, and MSI Financial Services. Outside of his advisory role, he serves as a trustee for an irrevocable life insurance trust. 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 guidance is based on Schwab’s internal research and asset allocation models, emphasizing client authorization for trades and tailored recommendations according to individual goals and risk tolerances.

Andy Francois is a financial advisor with Truist Advisory Services in Orlando, FL. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior work includes positions at Regions Bank and Bank of America. Outside of advisory services, he is the sole owner of a real estate investing LLC, though he is not currently managing any properties. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform and manager arrangements, to deliver investment solutions.

James Hassell is a financial advisor at Schwab Wealth Advisory with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Fidelity in various advisory and brokerage roles since 1997. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and select referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with at-least-annual reviews tailored to each client’s goals and risk tolerance.

Byron Westerfield is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has 31 years of industry experience, all with Charles Schwab affiliates, including Schwab Wealth Advisory Inc since 2025 and previous roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab Investment Advisory, Inc. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain referred clients, using Charles Schwab’s asset-allocation models and internal research tools. The firm offers tailored recommendations with at-least-annual reviews, focusing on mutual funds, ETFs, separately managed accounts, and alternative investments.

Carlos Solano Monestel is a CFP® certificant with 11 years of industry experience. He currently works at Schwab Wealth Advisory and has previously held positions at Citigroup and JP Morgan. 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. Its investment guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with personalized recommendations tailored to clients’ goals and risk tolerance.

Gregory Mikesell is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63, Series 65, and Series 66 licenses and having 17 years of industry experience. He has worked at Charles Schwab and Schwab Wealth Advisory since 2015, with previous roles at Thrivent Investment Management and Ronald Blue & Co., LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, focusing on asset allocation and investment selection using Charles Schwab & Co.’s internal research tools and standard asset-allocation models.

T Royer is a financial advisor with Brookstone Capital Management LLC, holding a Series 65 designation and 16 years of industry experience. He has been involved with Group 10 Financial since 1988, where he serves as CEO overseeing insurance and annuity sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, and institutional clients such as sovereign wealth funds and banking institutions.

Karen Chin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has been with Schwab entities since 1997, including 14 years at Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations, with services focused on guidance rather than discretionary trading.

Jennings Hurt IV is a financial advisor at Beacon Pointe Advisors, LLC with 14 years of industry experience. He holds a Series 65 designation and previously worked at Ferrell Wealth Management, Inc. for 11 years before joining Beacon Pointe in 2020. Outside of his advisory role, he serves as a board member for DrinkB4, a beverage company, where he contributes to overall brand strategy. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, and charitable organizations. The firm employs a manager-driven investment approach using proprietary due diligence and asset-allocation modeling, and is notable for sponsoring proprietary investment vehicles and acting as an operating general partner in multiple private funds.

Darryl Devlugt is a financial advisor at Schwab Wealth Advisory with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Charles Schwab and its affiliated advisory firms since 2006. Based in Orlando, FL, he has been with Schwab Wealth Advisory Inc. since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset-allocation models and internal research tools to tailor recommendations, while client authorization is required for all trades.

Bethanie Marzolino is a financial advisor with Schwab Wealth Advisory in Orlando, FL. She holds Series 63 and Series 66 licenses and has 13 years of industry experience, including over a decade at Schwab Wealth Advisory and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.'s asset allocation models and internal research, with an emphasis on client-specific goals and risk tolerance.

Karl Kuchma is a financial advisor with Truist Advisory Services, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. He has been with Truist Investment Services since 2006 and with Truist Advisory Services since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a mix of discretionary and non-discretionary manager relationships and uses third-party platforms and AI-enabled research tools to support its investment approach.