Tiffany Leroy is a CFP®-certified financial advisor with 18 years of industry experience. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2023, and has held various roles within Charles Schwab and USAA from 2015 through 2023. Her prior experience includes six years at Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s advisory approach is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering customized recommendations with client authorization required for trades.

Ryan Morrison is a CFP® and ChFC® with 20 years of industry experience. He is currently with Empower Advisory Group and Empower Financial Services, having joined in 2023. His prior experience includes roles at Fisher Investments, TD Ameritrade Investment Management, Td Ameritrade, Inc., and Scottrade, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients, using an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm offers point-in-time financial plans and optional managed account solutions within plan lineups selected by plan sponsors.

Brendan Flannery is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management, utilizing proprietary mutual funds and ETFs. The firm serves individual investors and households, providing point-in-time financial plans and ongoing portfolio management tailored to retirement goals.

Meghan Leonard is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. Her prior roles include positions at Pioneer Investment Management USA Inc. and American General Life Insurance. She is based in Land O Lakes, Florida. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Beau Mankin is a financial advisor with Private Advisor Group, LLC, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2017, and previously held positions at Fifth Third Securities and Fifth Third Bank. Additionally, Mankin is involved in Latitude Capital LLC, a home-based business entity used for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement consulting. The firm employs a fiduciary-based advisory model, incorporating technology platforms and various investment strategies, often implementing advice through third-party managers and turnkey asset management programs.

Steven Marcano is a CFP® professional with 19 years of industry experience. He has worked at T. Rowe Price Investment Services, Inc. for 18 years before joining Schwab Wealth Advisory in 2025. He holds the Series 63 and Series 66 licenses and is based in Land O Lakes, Florida. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standardized asset-allocation models and internal research tools to offer guidance tailored to clients’ goals and risk tolerance, while trade execution requires client authorization.

Rafael Miranda is a financial advisor with Truist Advisory Services and holds the Series 66 designation. He has been in the financial services industry since 2016, including ten years at Truist Bank before joining Truist Advisory Services in 2026. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, and fiduciary support, implementing advice through a mix of discretionary and non-discretionary manager relationships supported by an AI-enabled Equity Research team and supervisory oversight.

Steven Paris is a CFP® with 26 years of industry experience. He is currently affiliated with Hightower Advisors and has previously worked at USAA Financial Advisors, Usaa Investment Management Company, Frontier Investment Management Co., and Mutual Service Corporation. He is based in Dade City, FL. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors such as pension plans, charitable organizations, and corporations. The firm’s approach emphasizes manager selection and multi-manager solutions, using both affiliated and third-party managers, with a focus on discretionary and non-discretionary portfolio management and financial planning.

John Heinrich is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with SunTrust Advisory Services and SunTrust Investment Services since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and an internal investment oversight team.

George Holecsko is a CFP® and ChFC® with 18 years of industry experience. He currently works at Schwab Wealth Advisory Inc and has held various roles within Charles Schwab entities and USAA financial planning services. His career also includes a lengthy tenure at Dominos. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach uses Charles Schwab’s asset-allocation models and internal research tools, delivering tailored investment recommendations without exercising discretionary trading authority.

Paul Bullara III is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 42 years of industry experience. He has previously worked with firms including Penn Mutual Life Insurance Company, Guardian Life, and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance brokerage activities, serving in leadership positions focused on the sales and training of life and health insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and a FINRA-member broker-dealer, offering custody, execution, and brokerage services alongside investment advice.

Darius Harrison is a financial advisor at Truist Advisory Services with 10 years of industry experience. He holds the Series 66 designation and has worked at several firms, including Raymond James Financial Services, Cetera, and SunTrust Advisory Services. 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 manager relationships and non-discretionary consulting, supported by third-party platform and manager arrangements, to deliver its investment solutions.

Christopher Stino is a financial advisor at Edward Jones with 16 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at USAA Financial Planning Services and Charles Schwab. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a wide range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 advisors and offers both discretionary and non-discretionary strategies under a fiduciary standard.

Tony Carter is a CFP® and ChFC® with 52 years of industry experience. He is currently with OSAIC, joining in 2023 after fourteen years at Sagepoint Financial and eight years with American General Securities Incorporated. Outside of his advisory role, he owns Midwest Select, LLC, which collects life insurance renewals, and operates as a sole proprietor servicing clients and seeking new opportunities. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting a range of discretionary and non-discretionary strategies across multiple program types.

Alexander Perez is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2009. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Erin Blumberg is a financial advisor at Fidelity with 13 years of industry experience. She holds a Series 66 designation and has worked at firms including T. Rowe Price and The Prudential Insurance Company of America. Her current role at Fidelity began in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across various investment products.

Alejandro Gonzalez is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo and Cetera Investment. He is currently based in Wesley Chapel, FL. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Shavona Floyd is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Lincoln Financial Securities Corporation and First Command Financial Planning. Floyd is also a published author and owns businesses that offer consulting services, tax preparation, and insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, complex affiliate network, and recent consolidation.

William Geraghty is a financial advisor at Edward Jones in Dade City, FL, holding a Series 66 designation. He has been with Edward Jones since 2026. Prior to his current role, he worked at Signature Hardware for nine years and spent five years at Dohn Community High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm provides a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kyle Flynn is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. He has worked with multiple firms including Securian Financial Service, Inc. and North Star Resource Group. Flynn serves as an officer on the board of the nonprofit Stop Alzheimer's Now and consults on student loan-related issues for young physicians through Twin Oak Advisors. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.