Americo Garcia is a financial advisor with Schwab Wealth Advisory, Inc. He holds Series 63 and Series 65 credentials and has one year of industry experience. Prior to his current role, he has worked at Charles Schwab & Co., Inc., Chase, and Publix in various capacities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Todd Sowpel is a financial advisor at Truist Advisory Services with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Truist and its predecessor firms since 2016, as well as Pershing Advisor Solutions LLC from 2007 to 2016. 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 employs a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform agreements and AI-enabled research tools.

Stephen Watkins is a financial advisor with Schwab Wealth Advisory Inc., holding a Series 66 designation and 23 years of industry experience. His previous roles include positions at Morgan Stanley and UBS Financial Services. He is based in Orlando, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to offer tailored recommendations, with an emphasis on client authorization for trades and annual review processes.

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.

Matthew Labar is a financial advisor at Schwab Wealth Advisory, Inc. in Orlando, FL, holding a Series 66 designation with two years of industry experience. His career includes prior roles at Charles Schwab and Berkshire Hathaway Guard. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s standard asset-allocation models and research tools. The firm’s advice is tailored to client goals and risk tolerance and includes trade execution only with client authorization.

Natalie Kotroba is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding the Series 63 and Series 66 designations and bringing 26 years of industry experience. She has worked at various entities within Charles Schwab since 2004, including Schwab Wealth Advisory since 2019. Kotroba serves as a member of the finance committee at St. Mary Magdalen Catholic School, where her children are enrolled. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools while executing trades only with client authorization.

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 with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2014, including Schwab Private Client Investment Advisory and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and research tools, with a focus on tailored recommendations and oversight consistent with each client’s goals and risk tolerance.

Michael Barclay is a financial advisor with Truist Advisory Services in Orlando, FL. He holds a Series 66 designation and has five years of industry experience. His prior work includes positions at Securian Financial Services, Evershore Financial, and Minnesota Life Insurance Company. Before entering financial services, he worked for the City of Winter Springs for 25 years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm integrates discretionary and non-discretionary management approaches and employs AI-enabled tools to support its investment research and manager selection processes.

Ryan Shim is a financial advisor with Truist Advisory Services who holds Series 63 and Series 66 licenses and has 29 years of industry experience. His prior work includes roles at BB&T Securities, LLC and SunTrust Investment Services, where he has been employed since 2000. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation analysis, plan sponsor fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Rene Aranda is a CFP® professional with 24 years of industry experience, currently serving at Schwab Wealth Advisory since 2025. His prior experience includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, and USAA Investment Management Company. Outside of his advisory work, he has been involved with AdvoCare, a health and wellness company, as a distributor of nutritional and sports performance products. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and internal research, with recommendations tailored to each client’s goals and risk tolerance.

Emanuel Guillen is a CFP® and Series 66-licensed financial advisor with Schwab Wealth Advisory in Orlando, FL. He has three years of industry experience, including roles at Schwab Wealth Advisory and Charles Schwab since 2023. Prior to entering the financial industry, he worked in education and managed a seafood market. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

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.

William Dudley is a financial advisor at Integrity Alliance, LLC with five years of industry experience. He holds a Series 66 credential and has worked with Lion Street Financial as well as independently as a sales contractor. Outside of advisory roles, Dudley consults for small pharmaceutical companies and is involved with LifeRoc Capital, assisting clients with life settlement transactions. Integrity Alliance is a large advisor network serving individual investors, corporations, and qualified retirement plans. The firm offers a range of portfolio management and financial planning services, employing diverse investment approaches and supports both advisory and brokerage functions.

Michael Davis is a CFP® with 37 years of industry experience. He has been with Hightower Advisors since 2024 and previously worked at Resource Consulting Group from 2015 to 2024. He is based in Orlando, FL. Hightower Advisors provides investment advisory and planning services to a broad mix of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles.

Kevin Morris is a Series 66-registered advisor with Bankers Life Advisory Services, Inc. in Orlando, FL, with four years of industry experience. He has worked with Bankers Life since 2012 and currently serves as a Branch Sales Manager overseeing insurance office sales staff and training. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in its investment process.

Mayada Soufan is a financial advisor with Truist Advisory Services in Winter Park, FL, holding Series 63 and Series 66 designations and having 14 years of industry experience. She has worked with Truist Advisory Services and its affiliated firms since 2016. Outside of her advisory role, she serves in honorary capacities related to her husband's automotive sales and home building businesses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary approaches, supported by third-party manager relationships and AI-enabled research tools.

Jacob Haynie is a ChFC® credentialed financial advisor with three years of industry experience. He is currently with Eagle Strategies (NY Life) and has previous experience at NYLIFE Securities LLC and New York Life Insurance. Prior to his advisory career, he worked in education, including roles at Shepherd University and Robinson Secondary School. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives and retirement plan sponsor criteria, managing most assets on a non-discretionary basis.

Michael Masur is a CFP® professional with 17 years of industry experience. He has worked at Hightower Advisors since 2024 and previously spent nine years at Resource Consulting Group. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers access to a range of investment vehicles and strategies.