Gary Kravitz is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2001. 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.

John Penney is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab since 2017, following a one-year tenure at Merrill. Based in Orlando, FL, he serves clients through Schwab’s wealth advisory platform. 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 and discretionary investment guidance supported by multi-asset model portfolios and centralized custody and order-routing arrangements.

David Link is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Prudential, Mass Mutual Investors Services, and Metropolitan Life Insurance Company prior to joining Schwab. Outside of his advisory role, he serves as a FINRA arbitrator and is involved in nonprofit organizations, acting as treasurer for a Boy Scouts troop and president of an American Heritage Girls chapter. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custody services supported by a multi-asset portfolio approach and centralized operational infrastructure.

Brandon Hill is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and previously held positions at Charles Schwab, TD Ameritrade, and Scottrade. Outside of his advisory role, he is involved with the Florida Lacrosse Officials Association. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Elmer Haynes is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at TD Ameritrade and Thrivent Financial. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research.

John Ajwani is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He worked at Charles Schwab for 29 years before joining Wells Fargo Clearing in 2024 and subsequently Wells Fargo Advisors Financial Network in 2026. Outside of his advisory role, he has a travel business through AJWANI ENTERPRISES LLC and partially owns a travel agency called Dream Vacations, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services using proprietary research and planning tools, with client engagements generally structured as discrete planning projects.

Hang Zheng is a CFP® professional with four years of industry experience, currently advising clients at Charles Schwab in Orlando, FL. Prior to joining Schwab in 2019, he held roles at InTop Realty LLC and the University of Central Florida. Zheng has also worked with Shanghai Disney Resort and Walt Disney World. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Ryan Brown is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has worked at Wells Fargo Bank, NA since 2011. Outside of his advisory role, he co-owns an interior design and remodeling business with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Andrew Johann is a CFP® with 26 years of industry experience, currently serving at Stifel since 2009. He holds Series 63 and Series 66 licenses. Outside his advisory role, Johann is chair of the board of directors for the Better Business Bureau of Central Florida and is involved with Lakeside United Methodist Church staff parish. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group, supporting client decisions through tailored financial planning and asset allocation guidance.

Robert Godin is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 26 years of industry experience. He has been with Charles Schwab since 1999 and Charles Schwab Bank since 2019. Outside of his advisory work, he is listed as a director for a healthcare services company, Mastermind Neurofeedback, LLC, in Orlando, though he does not actively participate in the business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and due diligence from its Schwab Center for Financial Research.

Keith Jerry is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Charles Schwab since 2009. 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 affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Pool Paucar is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, E*TRADE Securities LLC, and Bank of America. Paucar is based in Orlando, FL. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with an emphasis on multi-asset strategic allocation and alternative investments. The firm supports a large client base through integrated advisory, brokerage, and custody services.

Michael Utz is a financial advisor with Primerica Advisors in Altamonte Springs, FL, holding Series 63 and Series 65 designations and bringing 53 years of industry experience. He has been with Primerica Advisors since 1981 and Primerica Financial Services since 1991. Outside of his advisory role, he is a co-owner of United Champions, LLC, a business he operates with his daughter. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Linda Bennett is a financial advisor with Ameriprise in Leesburg, FL, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory work, she owns a family farm, Crazy Ladies Farm, LLC, which produces blackberries and alpacas and is managed by her daughter. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to create personalized income plans. As a large institutional firm, Ameriprise also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Jie Huang is a financial advisor at Charles Schwab with three years of industry experience. Jie holds a Series 66 designation and has previously worked at Addition Financial CU, LPL Financial, and Trustco Bank. Prior to entering the financial industry, Jie spent seven years in homemaking. Charles Schwab & Co., Inc. serves a large client base, 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 a primarily non-discretionary client relationship model with access to discretionary separate managed accounts and offers multi-asset model portfolios supported by centralized operational and supervisory infrastructure.

Paul Mendez is a Series 66 licensed financial advisor with Charles Schwab in Orlando, FL, bringing 17 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2014. 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 multi-asset model portfolio investment approach.

Harrison Schultz is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and one year of industry experience. His work history includes positions at Charles Schwab and Universal Orlando, as well as periods of 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 offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custody and supervisory arrangements.

Lynette Ancona is a financial advisor at Raymond James & Associates with 25 years of industry experience. She holds a Series 66 designation and has worked at Raymond James since 2024. Prior to this, she had roles at Charles Schwab Bank and Charles Schwab & Co, Inc. from 2009 to 2024 and was the owner of Down Home Enterprises, LLC from 2012 to 2024. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting through a range of portfolio management styles and affiliated research resources.

Trevor Golat is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2014. 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 both non-discretionary investment guidance and access to discretionary separate managed accounts, utilizing multi-asset model portfolios and research from the Schwab Center for Financial Research.

Erncy Dumornay is a financial advisor with Charles Schwab in Winter Park, FL, holding Series 63 and Series 66 licenses and has 17 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank, SSB since 2011. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by a centralized operational structure.