William Guinn is a Certified Financial Planner (CFP®) with 18 years of industry experience. He has worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, following roles at Mass Mutual Investors Services, MSI Financial Services, and Edward Jones. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients 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, offering guidance on a range of investment options while requiring client authorization for trades.

Rolando Martinez is a financial advisor at Truist Advisory Services with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked across several SunTrust entities since 2013. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by advanced research and inter-affiliate integration.

Brendan Loflin is a Series 66-licensed financial advisor with 13 years of industry experience, currently affiliated with Kestra Advisory since 2024. His prior experience includes roles at Agia and Valic Financial Advisors. He is also involved in life insurance sales alongside his advisory duties. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers services such as plan design, fiduciary consulting, and investment advice, managing approximately $79.8 billion in assets and serving clients that include large institutional investors and sovereign wealth funds.

Kelly Torresin is a financial advisor at VALIC Financial Advisors with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has also served as an agent offering non-securities insurance products. Kelly is based in Orlando, Florida. VALIC Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm uses a centralized investment approach with discretionary unified managed accounts and offers a range of portfolio management and financial planning services through a large network of advisors.

Aaron Phelps is a financial advisor with Schwab Wealth Advisory, holding the Series 63, Series 65, and Series 66 certifications. He has 26 years of industry experience, including roles at Schwab Wealth Advisory since 2012 and Charles Schwab since 2005. He also worked briefly at Amsouth Investment Management Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Rodney Hampton is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His career includes roles at Charles Schwab since 2008 and at the Walt Disney Company from 2007 to 2022. He is currently based in Altamonte Springs, FL. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools, with advice tailored to individual client goals and risk tolerance.

Nicholas Leason is a financial advisor with Eagle Strategies (NY Life) based in Maitland, FL, holding Series 63 and Series 65 licenses with 11 years of industry experience. He has worked at Eagle Strategies since 2022 and has been involved with New York Life Insurance Co and its affiliated entities since 2015. Outside of his advisory role, he brokers non-registered insurance products through his own business, Leason Financial. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of advisors. The firm offers various program types and emphasizes tailoring recommendations to client objectives, managing the majority of assets on a non-discretionary basis.

Darin Bostic is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Charles Schwab and its affiliates since 1999, including roles at Schwab Private Client Investment Advisory and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using proprietary asset-allocation models and research tools to guide investment selection and portfolio reviews.

Robin Wade is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding a Series 66 designation and 22 years of industry experience. Wade has been with Schwab Wealth Advisory and Charles Schwab & Co. since 2016, following two years at Morgan Stanley. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on standardized asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Vianny Minaya is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and 14 years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, Minaya worked at Wells Fargo Clearing and Wells Fargo Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach includes guidance on asset allocation and investment selection, using standardized asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Steven Golden is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 1997 and with Schwab Wealth Advisory since 2012. Outside of his advisory role, he coaches high school baseball and is involved in college baseball recruiting as an HTML programmer. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools while executing trades only with client authorization.

Teogonio Ayala is a financial advisor with Truist Advisory Services in Orlando, FL, holding Series 63 and Series 66 licenses with 16 years of industry experience. He previously worked at Charles Schwab & Co., Inc. from 2014 to 2017 before joining Suntrust Advisory Services and Suntrust Investment Services in 2017, which are now part of Truist Advisory Services. 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, fiduciary support, participant advice, and manager selection through its AMC Advantage program, utilizing a combination of discretionary and non-discretionary strategies and AI-enabled research tools.

Tyler Schaefer is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior experience includes roles at JPMorgan Chase, Bank of America, Merrill, and Wells Fargo. Outside of finance, he co-owns a dog breeding business and provides dog boarding and walking services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice and financial planning. The firm’s approach is based on Schwab’s asset-allocation models and internal research, with personalized recommendations and client-authorized trades.

Porche' Miner is a financial advisor with Truist Advisory Services holding a Series 66 designation and currently based in Orlando, FL. Miner has one year of experience at Truist Investment Services and previously worked nine years at Truist Bank. 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 non-discretionary consulting alongside third-party platform and manager arrangements.

Alyse Dominguez is a financial advisor at Allworth Financial, L.P. in Orlando, FL, holding a Series 65 credential with three years of industry experience. Her prior work includes roles at Carson Wealth, Charles Schwab, and The Financial Advisory Group, Inc. Outside of her advisory work, she is an instructor at Cyclebar, a fitness business. Allworth Financial serves a diverse client base including individual and high-net-worth investors, pension plans, trusts, corporations, and charitable organizations. The firm provides financial planning, portfolio management, retirement plan consulting, and education through various media, employing a combination of quantitative and qualitative investment strategies.

Joseph Clifton is a financial advisor with Schwab Wealth Advisory in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2020 and with Charles Schwab since 2014. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice follows Charles Schwab’s asset-allocation models and internal research tools, with client authorization required for trades and recommendations tailored to individual goals and risk tolerance.

Michael Pendergrass is a financial advisor with PlanMember Securities Corporation in Winter Springs, FL, holding Series 63 and Series 65 licenses and four years of industry experience. His career includes roles at Retirement Planning Associates, Bencor, and USRBP, all since 2022. He is also the principal owner of MP3 Investments, LLC. 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 employs a strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive, while offering education and support services to plan sponsors and participants.

Cesar Otero is a Series 66-licensed financial advisor with Truist Advisory Services, bringing 17 years of industry experience. He previously worked at Bank of America and Merrill for 14 years before joining Truist in 2025. Otero also serves as a board member for Habitat for Humanity of Greater Orlando and Osceola County, contributing to organizational efficiency. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary and non-discretionary approaches supported by third-party platforms and emphasizes inter-affiliate integration in its service delivery.

Colton Rankey is a financial advisor with PNC Wealth Management, holding a Series 66 designation and three years of industry experience. Prior to joining PNC Wealth Management, he worked with Agia and Valic Financial Advisors and spent several years in education with Polk County Schools and Middletown City Schools. He is also appointed as an agent to sell non-securities insurance products for Agia. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a pilot digital discretionary model account available to select employees. The firm utilizes approved model strategies managed by PNC or third-party strategists, focusing on mutual funds and ETFs with algorithm-based risk assessment and annual rebalancing.

Tanya Tremel is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and two years of industry experience. She has worked with Charles Schwab & Co., Inc. since 2023 and previously held roles at Lockheed Martin and in various marketing and design capacities. Outside of financial advising, she owns Joy Marketing, providing outsourced marketing services to startup companies. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset allocation models and research tools and includes guidance on various investment options, with trades executed only upon client approval.