Carolyn Yamada is a CFP® professional with 28 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2008. She also has a long-term association with Hoa, spanning over 30 years. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm implements portfolios using proprietary mutual funds and ETFs with an emphasis on tax-aware strategies and interactive planning tools.

James Watkins is a CFP® with 19 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., having joined in 2023, and previously worked at firms including Vanguard Advisers, Wells Fargo, TIAA-CREF, UBS Financial Services, LPL Financial, and Raymond James Financial. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Hector Pagan is a financial advisor at T. Rowe Price Advisory Services, Inc. with 28 years of industry experience. He holds Series 63 and Series 66 certifications. His work history includes over two decades at T. Rowe Price Investment Services, Inc., with additional experience at Raymond James and Kestra Financial. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides individual investors and households with goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations to support retirement income projections for clients with approximately $250,000 or more in investable assets.

Ceferino Rodriguez is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His career includes roles at Raymond James Financial Services and Independent Financial Partners. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program, utilizing both discretionary and non-discretionary approaches supported by third-party platforms and research tools.

Michelle Best is a CFP® professional with over 23 years of experience in the financial services industry. She is currently affiliated with United Planners' Financial Services of America as a Limited Partner and has prior experience at firms including The Vanguard Group, CliftonLarsonAllen Wealth Advisors, and TIAA-CREF. United Planners Financial Services is a national wealth-management enterprise serving a broad client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services through independent representatives and manages a significant portion of its assets on a non-discretionary basis.

Phillip Kline is a CFP® with 12 years of experience in the financial services industry. He is currently with Steward Partners Investment Advisory, LLC and has held roles at Raymond James and Charles Schwab during his career. He is based in Land O' Lakes, FL. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory and financial planning services.

Frank Wilson is a CFP®, ChFC®, and Series 66-licensed financial advisor with 20 years of industry experience. He currently works at Empower Advisory Group and has held positions at Morgan Stanley and E*TRADE Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm operates through an integrated model aligned with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

La Porsha Campbell is a Series 65 credentialed financial advisor with Empower Advisory Group and has one year of industry experience. Her background includes positions at Ignite Financial Advisors and Florida Financial Advisors, and she previously worked at Moffitt Cancer Center. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage account holders. The firm offers integrated services connected to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Ryan Frankel is a CFP® professional at Mercer Global Advisors Inc. with nine years of industry experience. His prior experience includes roles at Kestra Advisory, Morgan Stanley, and JP Morgan Securities LLC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering discretionary and non-discretionary investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach utilizes Modern Portfolio Theory to construct globally diversified, risk-appropriate portfolios implemented through a combination of low-cost ETFs, index funds, separate account managers, and direct indexing.

Heike Soell Parrish is a financial advisor at Empower Advisory Group with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at J.W. Cole Advisors and T. Rowe Price Investment Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its financial planning, serving a large participant base relative to its advisor headcount.

Michael Wu is a financial advisor at Steward Partners Investment Advisory, LLC with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has held positions at Morgan Stanley, Raymond James, and USAA Financial Advisors. Wu is based in Land O Lakes, FL. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets and supporting a national advisor network. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management solutions.

Darren Mc Quary is a Series 65-licensed financial advisor at AE Wealth Management, LLC with two years of industry experience. His prior roles include positions at Baum Financial Services and Scott Barnwell State Farm. He is also active as an insurance agent and tax preparer at Baum Financial Services. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individual households, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and combines fundamental, technical, and cyclical analysis methods, serving over 127,000 clients with a platform-focused approach.

Joshua Sanders is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked with Truist Advisory Services and related entities since 2013, including BB&T Securities, LLC from 2019 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches supported by AI-enabled research and inter-affiliate integration.

Maria Rios is a financial advisor at Citigroup Global Markets with five years of industry experience and a Series 66 designation. She has been employed with Citibank since 2000. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, providing solutions for a broad range of client needs including workplace and high-net-worth portfolios.

Edward Palacios is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at PNC Investments since 2016. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm uses algorithm-driven risk assessments to implement investment strategies via mutual funds and ETFs, with portfolio management delegated to third-party providers.

Fawn Lane is a CFP® professional with 20 years of experience in financial services. She is currently with Lincoln Investment and has previously worked at IHT Wealth Management LLC, Independent Financial Partners, LPL Financial, and Valic Financial Advisors. Lane is also the owner of Bay Area Wealth Management, Inc., which provides insurance sales and service. Lincoln Investment Planning, LLC serves a broad client base including individual and high-net-worth investors, trusts, charities, and retirement plans, with a notable history of working with educators and 403(b) and 457(b) program participants. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and competitive investment strategies.

Colin Denney is a CFP®-certified financial advisor with Capital Analysts and Lincoln Investment, bringing three years of industry experience. Prior to joining Capital Analysts in 2023, he worked at Stewardship Advisory Group and has a background in education with Liberty University and Sante Fe Christian School. He is also involved in insurance sales and servicing through his ownership and agent roles at Florida Educators Insurance LLC and West Coast Capital Advisors LLC. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, and charitable organizations. The firm offers portfolio management and retirement-plan advice through a nationwide network of independent advisors and an in-house Investment Management & Research team that uses a proprietary screening process to build model portfolios.

Preston Duppins III is a CFP® certificant with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has previously worked at firms including JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley, Ernst & Young Investment Advisors, Fidelity Investments, and Franklin Templeton. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co. referrals, using asset-allocation models and research tools to tailor recommendations according to client goals and risk tolerance.

Ramy Georgy is a financial advisor at Rockefeller Financial LLC with 14 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of financial advising, Georgy owns and operates businesses in engineering consulting and the restaurant industry, including franchised restaurants in Tampa, Florida. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm provides portfolio management, financial planning, and investment banking services through a Private Advisor model and a consolidated investment platform.

Gary Cucchi is a financial advisor with Capital Analysts, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has a background that includes long-term roles with Horace Mann Companies and Florida Educators Insurance. Outside of advising, Cucchi is involved in youth sports as a coach and president of the Tampa Trojans Baseball Club. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management and retirement-plan advice through both discretionary and non-discretionary investment approaches, supported by an in-house research team and a proprietary mutual-fund screening process.