Toby Dyer is a financial advisor at USAA Investment Services Company with four years of industry experience. He holds a Series 66 designation and has previously worked at Park Avenue Securities, Guardian Life Insurance Company, and First Command Advisory Services, among others. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm delivers a Retirement Income Strategy Report and facilitates referrals to third-party broker-dealers and advisers rather than managing client accounts directly.

Michele Savarese is a financial advisor with CreativeOne Securities, LLC, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. She has worked at CreativeOne Securities since 2018 and has prior experience at America's Retirement Advisory Group, Kestra Financial, Inc., and Forta Financial Group, Inc. Outside of her advisory role, she is involved in selling fixed insurance and annuities. CreativeOne Securities, LLC is a multi-advisor registered investment adviser serving individuals, retirement plans, trusts, charitable organizations, and business entities. The firm combines project-based planning and ongoing asset management, using fundamental and cyclical security analysis alongside a proprietary advisory platform to deliver financial planning and portfolio management services.

Glenn Cummings is a financial advisor with Foundations Investment Advisors LLC in Tampa, FL, holding a Series 65 credential and bringing nine years of industry experience. His prior roles include positions at AE Wealth Management, Horter Investment Management, and Accurate Advisory Group. Outside of his advisory work, he serves as Chapter President for the American Financial Education Alliance, a nonprofit focused on financial education. Foundations Investment Advisors provides financial planning and portfolio management to a wide range of clients, including individuals, high-net-worth clients, and retirement plans. The firm employs a combination of fundamental, technical, and cyclical analysis and utilizes model portfolios alongside third-party sub-advisers to tailor investment strategies.

Michael Hay is a CFP® professional with 11 years of experience in financial services. He is currently with Navy Federal Investment Services, LLC and previously worked at USAA in various financial advisory and investment roles. Outside of his advisory career, he has involvement with Twenty Sweets LLC. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options primarily through managed advisory programs that use third-party portfolio managers.

Erik Ramnauth is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, MML Investors Services, LLC, and Legacy Wealth Partners. He also serves as an administrator for his mother’s estate, coordinating with the estate attorney on her affairs. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm offers the Retirement Income Strategy Report and facilitates referrals to third-party broker-dealers and advisers, operating mainly as a referral intermediary rather than managing client assets directly.

Adam Saldana is a financial advisor at Belpointe Asset Management LLC with 18 years of industry experience. He holds the Series 66 designation and has worked previously at Edward Jones, MSI Financial Services, and Intervest International. In addition to his advisory role, he is an insurance producer with Belpointe Insurance LLC. Belpointe Asset Management is a multi-team registered investment adviser managing over $7.5 billion for several thousand clients. The firm offers discretionary investment management, financial planning, and retirement-plan consulting to individuals, corporations, trusts, and other advisers, utilizing customized portfolios and third-party model managers.

Zachary Klempner is a financial advisor at Accurate Wealth Management, LLC with a Series 65 credential and one year of industry experience. Prior to joining the firm, he worked in various roles including at Avila Golf and Country Club. Accurate Wealth Management serves individuals, pension and profit-sharing plans, charities, corporations, and other investment advisers by providing discretionary portfolio management, financial planning, and educational services. The firm focuses on individualized asset allocations emphasizing value, safety, quality, and risk control, managing most accounts on a discretionary basis while allowing client-imposed restrictions.

Kacie Rogers is a CFP®-certified financial advisor with 11 years of industry experience, currently with Larson Financial Group, LLC. She has been with Larson Financial since 2016, serving in both the group and its affiliated broker-dealer, Larson Financial Securities. Outside of her advisory work, Rogers has written and self-published a creative short story unrelated to finance. Larson Financial Group provides financial planning, portfolio management, and retirement-plan consulting to individuals, trusts, corporations, nonprofits, and pension plans, with a focus on doctors and related businesses. The firm employs a combination of model portfolios and custom discretionary programs using strategic and tactical approaches, supplemented by AI-assisted research tools.

Samantha Gyeszat is a financial advisor at Accurate Wealth Management, LLC with four years of industry experience. She holds a Series 65 credential and previously worked at Bison Advisors and Truadvice, LLC. Outside of her advisory work, she is involved as a stylist promoting and selling nail and hand care products with Color Street. Accurate Wealth Management serves individuals, pension and profit-sharing plans, charities, corporations, and other investment advisers, offering discretionary portfolio management and financial planning. The firm emphasizes value, safety, quality, and risk control in its investment approach and manages approximately $1.71 billion in assets.

Kenneth Remsen is a CFP® professional with two years of experience in the financial services industry. He is currently with USAA Investment Services Company and has held previous roles at USAA Life Insurance Company, Fidelity Investments, and the Florida Air National Guard. Outside of his advisory work, he has experience with WalletWise, LLC and a 15-year tenure with the Clay County School District. USAA Investment Services Company provides retirement-focused advice and referral services to USAA members and individual investors, primarily through phone and digital channels. The firm offers a Retirement Income Strategy Report and facilitates referrals to third-party broker-dealers and advisers rather than managing client assets directly.

Trevor Taylor is a CFP® professional with 18 years of industry experience, currently serving as an advisor at Accurate Wealth Management, LLC. His career includes roles at AAG Capital Inc, Intervest International, and Bertelsen And Taylor Asset Management, among others. Outside of advisory work, he is involved in fixed annuities and life insurance sales, dedicating time to solving income and life insurance needs for clients. Accurate Wealth Management, LLC provides discretionary portfolio management and financial planning services to individuals—including high-net-worth clients—as well as pension plans, charities, and corporations. The firm emphasizes value, safety, quality, and risk control in its asset allocation strategies and manages approximately $1.71 billion in regulatory assets.

Jacob Fisher is a CFP® and holds a Series 66 license with 13 years of industry experience. He has been with Larson Financial Group, LLC since 2016. Larson Financial Group, LLC provides financial planning, portfolio management, and retirement-plan consulting primarily to doctors and related businesses, as well as individuals, trusts, corporations, nonprofits, and pension plans. The firm uses a blend of model portfolios and custom discretionary programs that incorporate both strategic and tactical approaches, including option overlays and separately managed account strategies.

Maraud Pemberton is a financial advisor with USAA Investment Services Company, holding Series 66 and Series 63 licenses and bringing seven years of industry experience. Prior to joining USAA, he worked at Morgan Stanley and Principal Life Insurance Company. Outside of finance, he works as a bartender and server at Outback Steakhouse. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm offers guidance on retirement savings, asset allocation, risk tolerance, and income planning, and acts mainly as a referral intermediary rather than managing client assets directly.

Derek Wilkes is a financial advisor at Accurate Wealth Management, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase, Merrill, and Independent Financial Partners. Accurate Wealth Management serves individuals, pension and profit-sharing plans, charities, corporations, and other advisers by providing discretionary portfolio management, financial planning, and educational services. The firm emphasizes individualized asset allocations based on value, safety, quality, and risk control and manages approximately $1.71 billion in regulatory assets under management.

Matthew Barnett is a financial advisor at USAA Investment Services Company with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at firms including JPMorgan Chase Bank, Bank of America, Merrill, Fifth Third Bank, and Ameriprise Financial Services. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels, delivering Retirement Income Strategy Reports and facilitating referrals to third-party broker-dealers and advisers.

Kalyan Kavili is a financial advisor at Kingswood Wealth Advisors, LLC with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise Financial Services, Inc. and Benchmark Investments, Inc. among other firms. Kingswood Wealth Advisors serves a diverse client base including individual and high-net-worth investors, retirement plan sponsors, and institutions, offering portfolio management, financial planning, ERISA plan advisory, and consulting services. The firm operates an open-architecture platform using affiliated and unaffiliated managers and supports insurance-linked account management alongside affiliated financial entities.

Leonardo Mateus Murcia is a financial advisor with USAA Investment Services Company, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. His prior work includes roles at NYLIFE Securities LLC and New York Life Insurance Company. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors through phone and digital channels. The firm offers a Retirement Income Strategy Report and facilitates referrals to third-party broker-dealers or advisers, without managing client assets directly.

Ricky Black is a financial advisor with Accurate Wealth Management, LLC, holding a Series 65 credential and bringing 40 years of industry experience. He has worked at West Coast Financial, Lincoln Investment, and Horace Mann Investors Inc. Outside of his advisory role, he serves as a licensed insurance agent specializing in Medicare Advantage and Medicare supplement sales. Accurate Wealth Management serves individuals, pension and profit-sharing plans, charities, corporations, and other advisers with discretionary portfolio management and financial planning. The firm emphasizes value, safety, quality, and risk control in its asset allocations and offers a range of investments including alternative and privately placed assets.

Byron Ison is a financial advisor at Sequent Planning, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at Optivise Advisory Services, First Advisors National, Protective Wealth Advisors, and Securities Solutions Group. Outside of advisory services, he is the owner and managing partner of Protective Financial Group, an insurance services firm based in Wesley Chapel, FL. Sequent Planning, LLC (doing business as Futurity First Wealth Management) serves individuals, retirement plan sponsors, businesses, endowments, and nonprofit organizations. The firm provides asset management, financial planning, and retirement-plan services through a diversified mix of firm-developed models, third-party managers, and customized strategies within a structured risk framework.

Paul Richardson is a financial advisor at Calton & Associates, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Nancy Barron and Associates, Inc., CL Wealth Management, LLC, and JHS Capital Advisors, LLC. Richardson is currently based in Temple Terrace, FL. Calton & Associates is a registered investment adviser, broker-dealer, and corporate insurance agency serving individuals, retirement plans, trusts, estates, and business entities. The firm provides fee-based portfolio management and financial planning, sponsors wrap fee programs, and offers a range of investment platforms and strategies, including the use of third-party money managers and various analytical approaches.