Zachary Worden is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and two years of industry experience. His career includes roles at Sanctuary Securities, Inc. and Pershing Advisor Solutions. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension plans, trusts, and charitable organizations through over 400 independent advisers. The firm offers portfolio management, financial planning, and retirement consulting services using a variety of investment strategies and sub-advisers, operating as a fiduciary when engaged under a written advisory agreement.

Lawrence Tunnell is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab in various capacities since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across a range of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its model from many other enterprise wealth managers.

Phillip Dobbs is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Rockefeller Financial LLC since 2023. He previously worked at Bank of America and Merrill Lynch from 2011 to 2023. Outside of his advisory role, Dobbs serves on the advisory board of Florida Citrus Sports, a charitable organization focused on community development and economic growth in Central Florida. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm provides portfolio management, financial planning, and consulting through a Private Advisor model and offers a range of investment solutions via its consolidated platform, including discretionary and non-discretionary services across multiple asset classes.

Michael Conroy is a financial advisor at PNC Wealth Management with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Robinhood Markets, Charles Schwab, and Liberty Mutual Insurance. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only, algorithm-driven investment platform utilizing mutual funds and ETFs with annual rebalancing.

Erica Ngo is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab & Co., Inc. since 2012, with a brief tenure at Barrister Title Services, Inc. and one year not employed during 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory and operating model from many enterprise wealth managers.

Americo Garcia is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and one year of industry experience. He has worked at Schwab Wealth Advisory, Charles Schwab & Co., Inc., Chase, Publix, M&G Trimming, and Target in various roles since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Charles Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and typically does not charge clients directly for advisory services.

Stephen Watkins is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and bringing 23 years of industry experience. He has worked with Charles Schwab since 2014 and with Schwab Wealth Advisory since 2021. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not engage in discretionary portfolio management directly.

Travis Payne is a financial advisor with PlanMember Securities Corporation based in Oviedo, FL, holding Series 63 and Series 65 registrations and accumulating 18 years of industry experience. He has operated Payne Retirement and Payne Financial Group since 2017 and is involved with U S Employees Benefits Service Group, LLC, a company focused on insurance, benefits administration, and investments. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm offers participant-level investment options through risk-based mutual fund portfolios and supports clients with education, personalized planning, and separation counseling.

Raymond Throne II is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL, holding Series 63 and Series 65 licenses and boasting 52 years of industry experience. He has been affiliated with New York Life and NYLife Securities since 1973 and has operated Ray Throne & Associates since 2007. In addition to his advisory work, he manages independent sales of New York Life products and brokers non-registered insurance products under his own DBA. Eagle Strategies serves a diverse clientele including individual investors, retirement plans, and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various program types, primarily on a non-discretionary basis, and operates within the integrated New York Life affiliate structure.

Christopher Campos is a CFP® professional with 19 years of experience in the financial services industry. He has been with Truist Advisory Services since 2016 and also works with Truist Investment Services. Outside of his advisory role, he is a member manager of an entity related to potential rental properties. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and third-party platforms to support its AMC Advantage program.

Adriel Irizarry is a financial advisor at Fifth Third Securities, Inc. in Orlando, FL, holding Series 63 and Series 65 credentials with eight years of industry experience. He has been with Fifth Third Securities since 2017 and has worked at Fifth Third Bank since 2015. Outside of his advisory role, he manages a rental property in Gotha, FL. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. based in Orlando, FL. He holds the Series 66 designation and has two years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab from 2021 and held positions at Berkshire Hathaway Guard, Sherwin-Williams, and Dick's Sporting Goods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliates since 2004, including seven years at Schwab Wealth Advisory. In addition to her advisory role, she serves as a member of the finance committee board at St. Mary Magdalen Catholic School, where her children attend. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts annual reviews and offers investment guidance without discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Tracy Chen is a financial advisor with Eagle Strategies (New York Life) based in Orlando, FL. She holds Series 63 and Series 65 licenses and has eight years of industry experience. Chen has worked with Eagle Strategies LLC, Wisdom Insights Financial Solutions & Insurance Services, NYLIFE Securities LLC, and New York Life Insurance Co. since 2016. She is also an independent contractor brokering non-registered insurance products through East and Ocean Associates Inc. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers tailored advice across various program types and manages the majority of its assets on a non-discretionary basis.

Chelsea Owens is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has worked within the Schwab organization since 2014, including roles at Schwab Private Client Investment Advisory, Inc. from 2016 to 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, with advisors recommending allocations while clients make final trading decisions.

Ryan Shim is a financial advisor at Truist Advisory Services with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at BB&T Securities, SunTrust Investment Services, and SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver its services.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior roles include positions at Charles Schwab and USAA, with over a decade of experience in financial planning and investment management. Outside of finance, he is involved in retail distribution for AdvoCare, a health and wellness company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Emanuel Guillen is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Schwab Wealth Advisory in Orlando, FL. He has two years of industry experience, including roles with Schwab Wealth Advisory and Charles Schwab since 2023. Prior to this, he worked in education and was involved with the Sea King Seafood Market and Waverly Woods Golf Club. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with advice delivered through an internal advisory unit rather than direct client billing.

Shane Mahadeo is a financial advisor with Transamerica Financial Advisors holding a Series 66 designation and two years of industry experience. His prior work includes roles at USHEALTH Advisors Orlando, World Financial Group Insurance Agency, and several entrepreneurial ventures such as Mahindra Enterprises Inc. and Mahasha Mobile Car Detailing INC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party investment models, managing over $2 billion in assets under management as of the end of 2025.

Raymond Duenas is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has held leadership roles including CEO and founder of Stewardship America Financial and Stewardship America Insurance LLC, and serves as trustee of The Duenas Family Living Trust. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, and features a predominantly non-discretionary asset mix.