Lawrence Johnson is a CFP® professional with 15 years of industry experience, currently serving at LPL Enterprise. His previous roles include positions at Thomas J Goes, Northwestern Mutual Investment Services LLC, Robinhood Financial, Charles Schwab, USAA Financial Planning Services, and Morgan Stanley. Outside of his financial advisory work, he is a business owner of V's Barbershop and serves on the board of the Roper YMCA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm utilizes model-driven investment strategies and offers financial planning, access to third-party asset managers, and various affiliated financial services.

Vishindas Mahtani is a financial advisor with Primerica Advisors in Orlando, FL, holding Series 63 and Series 65 credentials and 16 years of industry experience. His work history includes roles at H&R Block, Boiling Springs Savings Bank, and PFS Investments Inc. He is also involved in the sale of home security and automation products through part-time referrals related to his firm’s affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-based investment strategies supported by third-party asset managers and custody services.

Andrew Brink is a financial advisor at Charles Schwab in Orlando, FL, with 12 years of industry experience. He holds a Series 66 designation and has worked across various Schwab entities since 2023, following experience at Wells Fargo from 2012 to 2023. 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 investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

William Brewster is a financial advisor with Morgan Stanley in Gotha, Florida, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Stanley Smith is a financial advisor at Merrill with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2008, as well as Bank of America, N.A. since 2011. 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.

Juan Saavedra Marin is a financial advisor with J.P. Morgan Securities in Orlando, FL, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan in 2020, he worked at Regions Bank from 2016 to 2020. Outside of his advisory role, he is an owner and partner of JB Pro Rentals, LLC, a business involved in managing and leasing real estate properties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm offers non-discretionary advice through select Wealth Advisors and integrates an ESG eligibility framework in its investment recommendations.

Juan Ruiz Saavedra is a financial advisor at Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses with six years of industry experience. His work history includes roles at TD Ameritrade and Charles Schwab, as well as a four-year period at Baylor University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management alongside integrated brokerage, custody, and cash-sweep services.

Janet Burke is a financial professional with 38 years of industry experience, currently affiliated with Cetera Investment Advisers. She holds Series 63 and Series 66 credentials and has worked previously at Ameriprise Financial Services for 18 years. In addition to her advisory work, she is an insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and provides access to multiple investment strategies and program platforms.

Jacob Johnson is a Series 66 licensed financial advisor with Charles Schwab in Orlando, FL, where he has worked for 12 years. He has 10 years of industry experience. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Daniel Rudin is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Charles Schwab since 2011. Outside of his advisory role, he is a 15% owner and silent partner in an online clothing retail business, Sugar This SugarThat LLC. Charles Schwab 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 combines non-discretionary advisory models with access to discretionary separately managed accounts, offering clients diversified, multi-asset investment guidance supported by centralized custody and order-routing services.

Shambrielle Speights is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and two years of industry experience. Her professional background includes roles at Charles Schwab Bank, Schwab Wealth Advisory, Aerotek, New York Life, and Experian. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers investment guidance through multi-asset model portfolios and due diligence on alternative investments.

Andrew Gifford is a CFP® with 18 years of industry experience, currently serving as a financial professional at Cetera since 2023. He previously worked at Securian Financial Services, Inc. and Minnesota Life Insurance Company for 15 years and has been involved with North Star Consultants, Inc. since 2008. His other business activities include advisory and insurance roles as well as financial services through North Star Resource Group. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and advisory services utilizing both affiliated and third-party managers across various discretionary and non-discretionary program structures.

Sabastien Ridore is a financial advisor at Charles Schwab with a Series 66 designation and experience beginning in 2024. Prior to joining Schwab, he held positions in various industries, including insurance and education. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a formal alternative-investment onboarding process.

Joseph Heintzelman is a financial advisor with Edward Jones, holding a Series 66 designation and eight years of industry experience. He has worked at Edward Jones since 2017 and previously had roles at Adventist Health System and as a self-employed sports official. Outside of his financial career, he is involved in sports officiating as an independent referee. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a variety of advisory programs and focusing on a broad retail advisor and branch network alongside affiliated financial services.

Rolando Quintana is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Empower Financial Services, Fidelity Investments, and Azcomp Technologies. Charles Schwab & Co., Inc. serves a broad client base primarily consisting of 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 services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Catherine Carpenter is a Certified Financial Planner® professional with nine years of industry experience. She has been with Charles Schwab & Co., Inc. since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational structure.

Michael Allen is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and 36 years of industry experience. He has been with Charles Schwab since 2000 and previously worked at TD Ameritrade Inc. in 2024. 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 and discretionary investment management, utilizing multi-asset model portfolios, strategic asset allocation, and alternative investment options through a centralized operational structure.

David Sosa is a financial advisor at Cetera with nine years of industry experience. He holds a Series 66 credential and has previously worked at Wells Fargo, Regions Bank, LPL Financial, and AXA Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party and affiliated investment strategies.

Yevgeny Veksler is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding Series 63 and Series 66 designations and bringing nine years of industry experience. His career includes roles at Fidelity Investments, Fisher Investments, Wells Fargo, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a range of multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jeffrey Smith is a financial advisor at LPL Enterprise with 13 years of industry experience and holds the Series 66 designation. His prior roles include positions at Morgan Stanley and Cetera Advisors LLC. Outside of finance, he was involved with Home Design Partners for five years. LPL Enterprise offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and various affiliated services.