Joseph Fernandez is a CFP® professional affiliated with Principal Financial Services in Tampa, FL, with 27 years of industry experience. He has worked at Principal Life Insurance Company and Principal Securities Inc. since 2009. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.

Dara Abraham is a financial advisor with Truist Advisory Services in Tampa, FL, holding Series 63 and Series 65 designations and four years of industry experience. Prior to joining Truist, Dara worked at Sanford C. Bernstein & Co., LLC and Merrill. Dara serves as a board member of the Lions World Vision Institute Foundation, a global nonprofit focused on vision-related research, services, and education. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enhanced equity research and inter-affiliate integration.

Taylor Harroun is a CFP® professional with 17 years of industry experience. He has worked at Creative Planning since 2017 and was previously with T. Rowe Price Investment Services, Inc. from 2009 to 2017. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process that emphasizes low-cost indexing alongside supplemental strategies, supported by a broad range of affiliated non-investment businesses such as an affiliated law firm and trust company.

Mark Dydzuhn is a financial advisor at Empower Advisory Group with 12 years of industry experience. He has worked at several firms including Raymond James Financial, Fisher Investments, and Regions Bank. Dydzuhn holds the Series 63, Series 66, and Series 65 designations. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s approach includes integrated services tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Chelsey Frate is a financial advisor with Truist Advisory Services in Tampa, FL, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at Carmel Capital Partners, LLC and UBS Financial Services, Inc. since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm’s approach combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and supervisory oversight for manager selection and portfolio reviews.

Daniel Wolf is a financial advisor with Truist Advisory Services and holds Series 63, 65, and 66 licenses. He has 27 years of industry experience and has been with Truist Advisory Services since 2016. Outside of his advisory role, he manages an investment LLC that owns rental properties in Missouri. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager-selection programs, utilizing both discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Lucinda Alcott is a financial advisor at Transamerica Financial Advisors with 27 years of industry experience. She holds a Series 63 designation and has worked at Transamerica Financial Advisors and World Financial Group since 2018, following two years at Securities Support Unit/Signator Investors. In addition to her advisory role, she may perform home office functions for other business units within Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with a variety of fee-based and commission-based investment programs. The firm combines proprietary model portfolios with third-party money managers and operates as both a registered broker-dealer and registered investment advisor.

Jason Zardavets is a financial advisor with FIFTH THIRD SECURITIES, Inc. in Tampa, FL, holding Series 63 and Series 65 licenses with 27 years of industry experience. His prior roles include positions at Ameriprise and Comerica Securities, Inc. He has been with Fifth Third Securities and Fifth Third Bank since 2025. FIFTH THIRD SECURITIES, Inc. serves a diverse client base including individual, high-net-worth, and institutional clients through investment advisory and brokerage services. The firm offers multiple program types via the Passageway Managed Account Program, featuring a range of portfolio management options such as advisor-directed mutual fund and ETF models, SMA strategies, and direct indexing.

Susan Hurschman is a financial advisor with J.W. Cole Advisors, Inc. in Tampa, FL, holding a ChFC® designation along with Series 63 and Series 65 licenses. She has 39 years of industry experience, including prior roles at OneAmerica Securities and American United Life. Outside of her advisory work, she serves as a trustee for a family member. J.W. Cole Advisors is a national SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, and access to various managed account solutions, combining discretionary and non-discretionary investment approaches.

Jeffery Acheson is a CFP® professional with 46 years of experience in the financial services industry, currently affiliated with Independent Financial Partners in Tampa, FL. His prior roles include positions at LPL Financial, Corporate & Endowment Solutions, Inc., and Axa Advisors. He serves on the boards of several nonprofit organizations, including the American Retirement Association and Ruling Our Experiences (ROX), and he is involved in educational initiatives within the retirement plan advisory sector. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm offers a decentralized advisory model with capabilities in retirement-plan consulting and fiduciary services, serving individual, charitable, corporate, and high-net-worth clients.

Joseph Lauro is a financial advisor with Voya Financial Advisors, Inc. in Tampa, FL, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at Truist Advisory Services, INC and Valic Financial Advisors. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional investors, offering services such as financial planning, portfolio management, wrap programs, and plan-sponsor consulting. The firm employs a range of advisory program structures and primarily provides non-discretionary recommendations.

Scott Blincoe is a financial advisor with Voya Financial Advisors, Inc. in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Cetera Financial Specialists LLC and Cetera Investment Advisors LLC from 2013 to 2017. Outside of his advisory role, Blincoe is involved as an independent insurance agent focused on fixed insurance sales. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, and retirement plan sponsors, offering financial planning, portfolio management, and consulting services. The firm provides advice mainly through non-discretionary programs such as Unified Managed Account wraps and third-party money manager access, operating with a hybrid advisory and broker-dealer model.

Robert Kennerson is a Series 66-licensed financial advisor with 26 years of industry experience. He is currently with Independent Financial Partners and has prior experience at Advisory Services Network, LLC, Robbie L. Kennerson, P.A., and ProEquities, Inc. He is also the owner of R.L.K Advisory Group, a non-investment related business. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform serving tens of thousands of clients and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Eric Soto is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 66 and Series 63 licenses. Prior to his advisory role, he served in the U.S. Army for eight years. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team and Wealth Portfolio Managers to manage model portfolios and third-party managers.

Daniel Nelson is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 19 years of industry experience, including 10 years at Franklin Templeton prior to joining T. Rowe Price in 2017. He is based in Palm Harbor, Florida. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which combines nondiscretionary goals-based planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm focuses on individual investors and households with retirement goals and employs model portfolios, tax-aware rebalancing, and Monte Carlo simulations in its planning approach.

Andrew Ferrari is a financial advisor with Truist Advisory Services, holding a Series 66 designation and three years of industry experience. His prior work history includes four years at Equitable Advisors, LLC and five years in building management. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations, utilizing a mix of discretionary and non-discretionary approaches along with third-party platform and manager arrangements.

William Tison is a financial advisor with Integrated Wealth Concepts LLC in Tampa, FL, holding Series 63 and Series 66 licenses and having four years of industry experience. His prior work includes roles at Kestra Advisory, Morgan Stanley, and Charles Schwab. Outside of his advisory work, he operates Marine Marketing Services, LLC, a consulting business. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm provides discretionary investment management, financial planning, family office, and retirement plan advisory services, using a combination of internally managed and third-party strategies with a primarily long-term investment approach.

Angelica Rosenstein is a financial advisor with Primerica Advisors and holds a Series 66 designation. She has five years of industry experience and has previously worked at Park Avenue Securities, Guardian Life Insurance Company, Bank of America, Merrill, and Wells Fargo Bank. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both transaction-based brokerage and fee-based advisory services, utilizing a mix of proprietary and third-party investment strategies.

Mathew Kaplan is a financial advisor with J. W. Cole Advisors, Inc. in Tampa, FL, holding Series 63 and Series 65 designations and six years of industry experience. He has worked at Myriad Capital and Northwestern Mutual Investment Services LLC. Outside of advising, Kaplan is involved in business coaching for architecture firm owners and is engaged in authoring and public speaking activities. J. W. Cole Advisors operates a large network of independent advisers, providing fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms for individuals, high-net-worth clients, and institutions. The firm employs a mix of discretionary and non-discretionary management strategies and integrates fundamental and technical analysis in client solutions.

Robert Poppell is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 66 designation and over 31 years of industry experience. He has been with VOYA since 2014 and concurrently serves with the Florida Department of Insurance. Outside of advising, he is president of a home construction company and serves as treasurer for a nonprofit church organization. VOYA Financial Advisors serves a diverse client base including individuals, retirement plan sponsors, and institutions, offering financial planning, portfolio management, and consulting through various program structures that emphasize recommendation-based, non-discretionary advice.