Gerardo Davila Diaz is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and two years of industry experience. His work history includes roles at Charles Schwab Bank, JPMorgan Chase, TD Bank, and American Income Life. 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 blend of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and centralized operational support.

Armando Cruz is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Neuberger Berman BD LLC and the NYC Driver Institute. Outside of advisory work, he provides transportation services through ride-share platforms. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Alex Martin is a Planning Consultant at Fidelity Investments, a role held since 2023. In this position, Alex collaborates closely with clients to understand their financial needs and goals, developing strategies and plans tailored to those objectives and adapting them as circumstances evolve. Alex's professional background includes experience as a Senior Team Manager at Charles Schwab from 2022 to 2023 and as a Service Team Lead at the same company from 2019 to 2022. This progression reflects a solid foundation in financial services and client management. Outside of work, Alex has interests in fitness, football, golf, pets, and puzzles.

Elvis Ngo is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Charles Schwab since 2010 and Charles Schwab Bank, SSB since 2015. 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 offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and centralized custody and operational infrastructure.

Loretta Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has previously worked at Cetera Advisors LLC and Sunrise Wealth Advisors. In addition to her advisory role, Miller provides administrative support to Synergy Investment Management, an independent investment adviser firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of financial planning, asset management, and retirement services to individuals, institutions, and plan participants. The firm supports advisers with research-driven model portfolios, third-party subadvisors, and a variety of investment strategies.

Marc Abraham is a Series 66-credentialed financial advisor with six years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019. Prior to his finance career, he worked at Rocky Mountain College of Art + Design for eight years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based financial planning across various topics without discretionary trading authority, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Lance Robinson is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Charles Schwab Bank and Capco RISC Services. 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 structured approach to alternative investments and cash-sweep services.

Denise Crawford is a financial advisor with Edward Jones in Oviedo, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Christian Larson is a financial advisor with Merrill based in Lake Mary, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Lance Atwood State Farm. Outside of his advisory duties, Larson works with a family-owned land flipping business, JML Land Investment, where he conducts market research and negotiates deals outside of work hours. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Newhouse is a financial advisor with OSAIC in Winter Park, Florida, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Her prior experience includes roles at Woodbury Financial Services, Questar Capital Corporation, Kovack Securities, Capital Guardian Wealth Management, Moors & Cabot, and Janney Montgomery Scott. She is also a notary public and holds a Florida real estate license in an inactive status, which she occasionally activates for personal use. OSAIC serves a diverse client base including individual and high-net-worth investors, institutions, and charitable organizations, offering brokerage and advisory services through a large network of affiliated advisers. The firm employs a range of portfolio construction tools and offers access to multiple investment products and third-party managers.

Robert O Reilly is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, he held various roles including at Dine Brands and Superjacket Productions, as well as periods dedicated to full-time education and homemaking. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining extensive scale with an integrated advisory and brokerage platform.

Brian Makoff is a financial advisor at Charles Schwab in Orlando, FL, with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2004. Charles Schwab & Co., Inc. serves a large 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Steven Lehrer is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds the Series 66 designation and previously worked at Merrill and Bank of America. Lehrer is based in Winter Springs, Florida. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Brad Fang is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade, Lyft, JEDirect, Wellfit Parts, and the University of Missouri - St. Louis. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment programs.

Kenneth Mullins is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has worked at firms including Prudential Insurance Company of America, Pruco Securities, PNC Investments, and Merrill. 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 uses primarily model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Vadim Klochko is a financial advisor with Edward Jones in Winter Springs, FL, holding the CFP® designation and Series 66 license, with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions, supported by a nationwide network of over 23,700 advisors and managing approximately $1.01 trillion in assets under management.

Kelly Ellwood Polk is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2023, following a prior tenure at the firm from 2002 to 2023. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a broad range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Kristin Cranias is a financial advisor with Raymond James & Associates holding a Series 66 designation and 11 years of industry experience. She has been with various Raymond James entities since 2016. Raymond James & Associates, Inc. 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, providing financial planning, non-discretionary investment consulting, and institutional advisory services.

Robert Rycyk is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. His prior roles include positions at Primerica Financial Services, Enterprise Fleet Management, and Securian Financial Services. Outside of his advisory work, he is involved with Cambridge Planning Group, offering financial planning services across several specialized divisions, including health and long-term care planning. Cetera Investment Advisers LLC serves a broad client base that includes individual investors, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform, enabling advisors to implement model portfolios or bespoke strategies supported by a network of over 10,000 advisors.

Alex Nelsas is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. Prior to joining Charles Schwab, he worked at Northwestern Mutual and held various roles outside the financial industry, including positions at Whole Foods Market and Wing Stop. 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 affiliated discretionary SMA portfolios and emphasizes a multi-asset model portfolio approach supported by centralized custodial and operational infrastructure.