Charles Lloyd is a CFP® professional with 32 years of industry experience. He is currently with Ameriprise in Winter Park, FL, having joined in 2025. Prior to this, he spent nine years at Wells Fargo Clearing and fifteen years at Merrill. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Derrick Alderman is a CFP® and Series 66-licensed financial advisor with 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Edward Jones from 2008 to 2010. 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 uses research-driven, diversified investment approaches aligned with modern portfolio theory.

Luke Dinges is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials. He has less than one year of industry experience and has held prior roles at Insight Asset Management and MCA, as well as various positions outside the financial sector. 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 related managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a centralized operational structure that supports a broad range of investment options.

Herbert Freeland is a financial advisor with Primerica Advisors in Winter Park, FL, holding Series 63 and Series 65 credentials and offering 44 years of industry experience. He has been with Primerica Advisors since 1999 and has worked with Primerica Financial Services since 1980. Outside of advisory work, he serves on the Board of Directors for the Live Oak Lake Homeowners Association. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers model-based portfolio strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Leonard Perillo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Wells Fargo Clearing for 10 years and previously worked at Prudential Equity Group, LLC. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Moe Bajwa is a Financial Consultant currently working at Fidelity Investments since 2021. He has held various roles within Fidelity Investments since 2017, including Investment Consultant, Relationship Manager, Workplace Planning Consultant, Workplace Planning Associate, and Financial Representative. Prior to joining Fidelity, he was a Financial Representative at Northwestern Mutual from 2015 to 2017. Moe's professional focus is on helping individuals and families build confidence in their financial future through education, personalized guidance, and strategic planning. He works collaboratively with clients to create clear, actionable plans for retirement and wealth-building goals, emphasizing simplified financial decisions and long-term relationships based on trust and transparency.

Rock Henderson is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 15 years of industry experience. He has been with Charles Schwab 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 SMAs and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Wilet Pierre Noel is a financial advisor with Wells Fargo Clearing in Winter Park, FL. He holds Series 63 and Series 66 designations and has nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank NA since 2013. 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.

Jay Logan is a CFP® with over 31 years of experience in the financial industry and has been with Robert W. Baird & Co. for 23 years. He is based in Winter Park, FL. Outside of his advisory role, he owns and manages a rental property. He is part of The DDK Group at Robert W. Baird & Co., which serves high net worth individuals, corporate clients, pensions, and charitable organizations. The firm offers a variety of financial planning, portfolio management, and brokerage services, supported by internal research and a combination of discretionary and non-discretionary investment strategies.

Steven Rosenstock is a financial advisor at OSAIC with 18 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Lincoln Financial Advisors Corporation, Valic Financial Advisors, and Cetera. He is also involved with Rosenstock Wealth Management LLC, where he solicits and services insurance business. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering both brokerage and advisory services, employing model-based asset allocation and portfolio optimization supported by various tools and strategies.

Joshua Frieze is a financial advisor with Fidelity who holds Series 66 and Series 63 licenses and has five years of industry experience. His prior roles include positions at Pershing LLC and Charles Schwab. Outside of his advisory work, he is also a musician performing live music and operates an Etsy shop where he sells original paintings. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a model-driven investment process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction.

Richard Berardo is a financial advisor with UBS Financial Services in Winter Park, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he serves as guardian and trustee for his sister and as personal representative for his mother-in-law's estate. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Luis Alvarez is a financial advisor at Morgan Stanley with Series 63 and 66 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at Charles Schwab and has experience outside finance with roles at Walt Disney World and Island H2O. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by tools such as Secular Return Estimates and Monte Carlo simulations, serving clients through both direct and corporate financial planning agreements.

Edwin Wasinger is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously operated Wasinger Insurance Agency, LLC for eight years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a nationwide network of more than 23,000 financial advisors and $1.01 trillion in assets under management.

Nickolas Bonk is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Charles Schwab since 2011, following prior roles at Chase Investment Services Corp. and Edward Jones. Outside of his advisory work, he operates an eBay retail business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, combining both non-discretionary and discretionary investment approaches supported by centralized custody and order-routing services.

Gregory Natiello is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services and Wells Fargo Advisors for over two decades. Natiello is based in Orlando, Florida. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house financial research.

Ashley Starr is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. She has worked at Bank of America and Merrill since 2026, following earlier positions at Bank of America starting in 2020 and roles outside the financial sector prior to that. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Adam Goldstein is a financial advisor at Ameriprise with 29 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2020, following prior roles at Raymond James Financial Services Advisors Inc. and Private Wealth Management at Heathrow. Goldstein serves on the Board of Directors and is Chairperson of the Orlando Health Childrens Foundation. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its planning approach and supports a broad range of advisory, brokerage, and insurance solutions.

Sau Lee is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63 and 65 licenses. He has 25 years of industry experience, including prior roles at Morgan Stanley and Wells Fargo Clearing. Outside of his advisory work, Lee serves as treasurer for two community organizations focused on Chinese American professionals and scholars. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines extensive research and analytics with a broad range of brokerage and advisory solutions.

James Wright is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Ameriprise in Deltona, FL. He has been with Ameriprise and its affiliated entities since 1999. Outside of his advisory role, Wright provides consulting on practice leadership and compliance through Evola Management. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.