Heather Bronson is a Financial Consultant currently working at Fidelity Investments since 2021. She has experience serving as a Private Client Advisor at JP Morgan in 2021 and as a Financial Consultant at TD Ameritrade from 2011 to 2020. Heather focuses on partnering with clients to understand their goals and develop customized financial plans tailored to their needs and those of their families. She emphasizes forming strong relationships with clients and maintaining trust, reliability, and competency.

John Burmester is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has also worked at Wells Fargo Bank, N.A. since 2010. 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 services. The firm’s process is grounded in modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Elliott Lockett is a Financial Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients and their families to understand their financial goals and develop personalized plans. He emphasizes ongoing collaboration to adapt strategies as life and markets evolve, ensuring alignment with clients' priorities. Before his current position, Elliott served as an Investment Consultant at Fidelity Investments from 2023 to 2025. Prior to that, he was an Investment Consultant and Customer Relationship Specialist at Charles Schwab between 2022 and 2023. His earlier experience includes roles as a Registered Representative at New York Life Insurance Company from 2021 to 2022 and Lending Specialist at Members First Credit Union of Florida from 2020 to 2021. Outside of his professional work, Elliott enjoys camping, fitness, hiking, traveling, and exploring culinary experiences.

Kevin Oser is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads the Corporate Benefit Plan segment of the PAR Wealth Management Team, specializing in retirement strategies for both businesses and individuals. His role involves advising public and private companies on the development and management of their Qualified and Non-Qualified retirement programs, including 401(k) plans. Kevin’s responsibilities encompass plan design, employee education, human resource office support, compliance, and plan testing. He has earned the designation of Retirement Benefits Consultant, joining a select group of Merrill Lynch Financial Advisors focusing on corporate and institutional retirement benefits. Additionally, he holds the Certified Plan Fiduciary Advisor (CPFA) and Personal Investment Advisor (PIA) professional designations. Kevin received a Bachelor’s Degree from the University of Southern California. He is affiliated with the Zeta Beta chapter of Alpha Tau Omega and is a member of the Trojan Club of Florida. Kevin lives in Winter Park with his wife, Danielle, and their two children, Caroline and Davison.

Matthew Ritzma is a financial advisor with Thrivent Investment Management and holds the Series 66 designation. He has been with Thrivent since 2026 and has prior work experience at Door Dash and VUS Education. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm focuses on holistic, goal-based financial planning and offers clients the option to combine planning with managed-account programs while keeping these services separate.

Pierce Mohelnitzky is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He has worked at Charles Schwab since 2021, including time at Charles Schwab Bank, SSB. Prior to his financial advisory career, he held positions at Century 21 and Publix. 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 management using multi-asset model portfolios and maintains a large, integrated structure that supports centralized supervisory, custody, and order-routing functions.

Patricia Anderson is a financial advisor with Edward Jones in Lake Mary, FL, holding a Series 66 designation and eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at GM Financial from 2014 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a broad range of advisory strategies and operates under a fiduciary standard, supported by a large network of financial advisors and branches nationwide.

Marla Lambert is a financial advisor with Ameriprise, holding a Series 63 designation and 38 years of industry experience. She has been with Ameriprise and its predecessor firms since 1993. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized retirement-income consulting team.

Carlton Smith is a financial advisor with Thrivent Investment Management in Winter Park, FL. He holds Series 63 and Series 66 designations and has one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Kingdom Economy, and Fairwinds Credit Union. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses and comprehensive planning across topics such as retirement, estate, and tax, without managing discretionary trading authority. The firm combines planning with managed-account services under a consolidated billing option while keeping these functions separate.

Lauren Jacobs is a financial advisor with Cetera, holding a Series 66 designation and bringing 20 years of industry experience. She has worked with several entities within the Cetera network since 2020 and previously spent 19 years at First Allied Securities, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management options, financial planning, and retirement services with access to both affiliated and third-party managers, overseeing more than $256 billion in assets.

Ruyue Xian is a financial advisor at Charles Schwab with five years of industry experience. She holds the CFP® and Series 63 designations. Her prior work includes roles at the University of Texas at Dallas, Industrial Bank Co. Ltd., Metro AG, and China Island Asian Grill. 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-based investment approach.

Richard Coloni is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cetera Advisors LLC and Investors Capital Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and various model portfolios and research resources.

Kathy Russo is a financial advisor with Raymond James & Associates who holds Series 63 and Series 65 licenses and has 27 years of industry experience. Her prior roles include positions at Merrill, Fidelity Investments, UBS Financial Services, and RBC Capital Markets. Raymond James & Associates oversees approximately $501 billion in assets and serves a broad client base that includes individuals, institutional investors, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, utilizing a range of portfolio management strategies supported by firm research and affiliated sub-advisers.

Jonathan Rogers is a Wealth Management Advisor with BCG Private Wealth Management, a Merrill financial advisory team based in Heathrow, Florida. He has over a decade of experience helping affluent individuals and families preserve and maximize their wealth while aligning financial strategies with their unique values, aspirations, and priorities. Jonathan emphasizes clarity and confidence in financial planning to help clients focus on what truly matters and live with purpose. Jonathan holds the CERTIFIED FINANCIAL PLANNER® certification and the Sports & Entertainment Accredited Wealth Management Advisor™ designation. He earned both a Master of Business Administration and a bachelor's degree in Trust and Wealth Management with a minor in Financial Planning from Campbell University's Lundy-Fetterman School of Business. His professional recognitions include being named to the 2025 Forbes "Top Next-Gen Wealth Advisors Best-in-State" list and being a member of BCG Private Wealth Management, which has been recognized by Forbes as a "Best-in-State Wealth Management Team" for several years. Outside of his professional work, Jonathan is involved with the Gabriela Grace Foundation.

Daniel Zagata is a CFP® professional with 23 years of industry experience, currently serving at Cetera. He has worked at Evershore Financial Group and Minnesota Life Insurance Company, accumulating extensive experience in financial services and insurance. Zagata is the founder and director of the Winter Park Lifelong Learning Foundation, which offers community education programs. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, employer-sponsored, corporate, charitable, and institutional clients using a multi-manager approach with access to both affiliated and third-party investment managers.

Edward Dover IV is a financial advisor with Charles Schwab & Co., Inc., holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Moors & Cabot Inc and SunTrust Investment Services, Inc. He is based in Orlando, FL. 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 due diligence from Schwab’s Center for Financial Research.

Brendan Haviland is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding a Series 66 designation and four years of industry experience. He has previously worked at Northwestern Mutual and has been affiliated with Charles Schwab since 2018 in various capacities. Outside of his advisory role, he also works as an Uber driver. 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 with integrated brokerage, custody, and financial planning services.

Dairo Lopez Payares is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2014. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Fernando Fernandez is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at both Bank of America and Merrill since 2015. Prior to his current roles, he was involved with Harry Buffalo from 2012 to 2018. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies supported by internal and third-party investment teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jose Pena is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2019, also working at Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.