Lewis Salvati is a Series 66-licensed financial advisor at Cetera with one year of industry experience. He has held positions at Regions Bank, Equitable Advisors, and New Era Life Insurance Company, among others. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to various program structures and third-party managers.

Michael Serrano is a financial advisor at Charles Schwab with a Series 66 designation and three years of experience. His prior work includes roles at TD Bank, State Farm, and Columbia Sportswear, along with 14 years in full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm operates a large-scale, integrated advisory platform combining non-discretionary client relationships with access to affiliated discretionary managed accounts and alternative investments.

Nathan Green is a financial advisor at Charles Schwab with seven years of industry experience. He holds the CFP® and Series 63 designations. His prior experience includes roles at First Horizon and Suntrust Advisory Services. Charles Schwab 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 solutions supported by centralized custody and operational infrastructure.

Jose Paradela is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. He also spent time at the University of Central Florida. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Christopher Pashley is a CFP® with 31 years of industry experience. He is currently with Morgan Stanley, having worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, he spent ten years at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its approach includes structured financial planning supported by firm-approved tools and modeling techniques.

Douglas Jarrard is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling.

Yousuf Ghalayini is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 designation and has worked with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities compared to many institutional advisory programs.

Clifton Smith is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His previous roles include positions at Ameriprise Financial Services, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Stegner Investment Associates, and Uvest Financial Services Group. Outside of his advisory work, he is the owner of CSGolf LLC, a business established to support his son's college and professional golf career through NIL and sponsorship contract management. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients with a range of financial planning and consulting services, employing a variety of portfolio management styles supported by firm research and model managers.

Leigh Lyon is a Series 66 licensed financial advisor with Edward Jones in Sanford, FL, where he has worked since 2008, accumulating 18 years of industry experience. He participates in several community and educational volunteer activities, including teaching financial literacy classes through Junior Achievement and supporting local public schools in Seminole and Orange counties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory solutions and a nationwide network of financial advisors.

Robert Ross is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked at LPL Financial since 2014 and has been with First Federal (Scb&T) since 1999. Ross serves as a city council commissioner on the board for the City of Saluda, North Carolina. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Ty Christian Bissen is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and four years of industry experience. He has previously worked at Fis, T. Rowe Price, King Soopers, and the University of Colorado. Outside of his advisory work, Bissen is involved in buying and selling trading cards, including sports and collectible cards, managing grading submissions and inventory records. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. The firm’s scale and integrated structure provide centralized advisory, custody, and trading services across a large client base.

Suzette Davis is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has worked at J.P. Morgan Securities since 2014. Prior to that, she was employed at UBS Financial Services and briefly operated Laurette Joan Boutique. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence and incorporates quantitative and qualitative research to build model asset allocations.

Mona Kerlew is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this capacity, she works directly with clients to provide financial planning and guidance tailored to their individual needs. She has been with Fidelity Investments since 2022, progressing through several roles including Customer Relationship Advocate, Investment Solutions Representative I, and Investment Solutions Representative II. Through these positions, Mona has developed expertise in client relationship management and investment solutions. Outside of her professional work, Mona enjoys art, spending time at the beach, social events with friends, and traveling.

Daniel Hughes is a Financial Advisor specializing in wealth management strategies at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial plans aligned with their goals and changing market conditions. Daniel leverages the investment insights of Merrill and the banking services of Bank of America to support clients' financial objectives. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Daniel completed his high school education at Wildwood High. His approach emphasizes understanding what matters most to clients and their families to help create effective strategies aimed at pursuing their financial goals.

Daniel Raulerson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2013. Outside of his advisory role, he owns and operates a DJ services business and a retail business selling bulk toiletries on Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Vickie Lacroix is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and Bbtis since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Gonzalez is a Series 66-licensed financial advisor with J.P. Morgan Securities in Orlando, FL, with seven years of industry experience. He has been with J.P. Morgan Securities since 2019 and concurrently associated with JPMorgan Chase Bank, N.A. since 2017. Prior to that, he worked at av guys for one year. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations within a non-discretionary program.

John Neenan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and having 22 years of industry experience. He previously worked at Euro Pacific Capital, Inc. for 12 years before joining Wells Fargo Clearing in 2025. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Rob Tyner is a Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he serves as a primary financial partner to his clients, helping them navigate the financial landscape and develop customized plans tailored to their goals and preferences. Prior to becoming a Financial Consultant, Rob held various roles at Fidelity Investments, including Investment Consultant (2019-2021), Relationship Manager (2019), Central Relationship Manager (2018), Investment Solutions Representative (2017-2018), High Net Worth Representative (2017), High Opportunity Representative (2016-2017), and Financial Representative (2016). Throughout his tenure at Fidelity Investments, Rob has gained experience in investment consulting, relationship management, and client services. His approach focuses on understanding clients' full financial situations and assisting them in making complex financial decisions manageable. This experience underpins his current work in providing personalized financial consulting services.

Jacob Morgan is a financial advisor with Raymond James Financial Services Advisors, Inc. in Orlando, FL. He holds a Series 66 designation and has been in the industry since 2026. Prior to his current role, he has experience working at firms including Greystar and Michael Clark CFP, alongside various roles in the service industry and education. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning using analytical tools and supports municipal and public finance work uncommon among large institutional advisors.