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 with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 11 years of industry experience. He has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through selected T. Rowe Price mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and Monte Carlo simulations delivered via an online planning tool.

Bryan Harding is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 designations and possessing 28 years of industry experience. His prior roles include positions at Investment Distributors Inc, Protective Life Insurance Company, and Prudential among others. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs, fee-based management of variable annuities and universal life subaccounts, and uses comprehensive risk assessment and portfolio oversight supported by in-house and third-party resources.

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 63 and Series 65 licenses and possessing 12 years of industry experience. He previously worked at Fifth Third Securities and FIFTH THIRD BANK before joining Private Advisor Group and LPL Financial in 2017. Mankin is involved with Sunharbor Wealth Advisors, a business entity related to his advisory activities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement consulting. The firm employs a fiduciary-based model utilizing various investment strategies and technology platforms, often implementing advice through third-party managers and advisory 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 25 years of experience in financial advising. He is currently with Hightower Advisors and has held prior positions at Frontier Investment Management Co. and USAA Financial Advisors. His tenure at USAA spans over 20 years, where he has been involved in various financial planning and advisory roles. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses a multi-manager approach with access to both affiliated and third-party managers, offering a range of portfolio management and financial planning services.

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 41 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Co. since 2015. Bullara manages and trains new producers and representatives in life insurance sales and service through his roles at two insurance brokerages. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, combining investment advice with custody, execution, and brokerage capabilities.

Darius Harrison is a financial advisor with Truist Advisory Services, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Cetera Investment Services, Raymond James Financial Services, and Wells Fargo Advisors. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, and utilizes both discretionary manager relationships and non-discretionary consulting in its client services.

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 financial advisor with OSAIC, holding the CFP® and ChFC® designations and over 52 years of industry experience. Prior to joining OSAIC in 2023, he worked for 14 years at Sagepoint Financial, Inc. Carter has maintained a long-standing involvement in life insurance sales and owns Midwest Select, LLC, a non-investment business. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage, investment advisory services, and financial planning through a large network of advisers and multiple advisory platforms. The firm employs advanced asset-allocation tools and provides access to third-party money managers and managed-account solutions.

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 Series 66 licensed advisor with J.P. Morgan Securities, based in Wesley Chapel, FL, with four years of industry experience. His prior roles include positions at Wells Fargo and Cetera Investment/GTE Fed Credit Union. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Shavona Floyd is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Financial Securities Corporation and First Command Financial Planning. Floyd is also an author and operates businesses offering consulting services and tax preparation, as well as providing insurance products. OSAIC serves a diverse range of retail and institutional clients through an extensive network of advisers, offering integrated brokerage and advisory services alongside access to multiple investment platforms and third-party money managers.

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.

Francis Reeves is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been associated with PFS Investments, Inc. and Primerica Financial Services since 2006. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and select separately managed accounts for individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and utilizes third-party asset managers with oversight and model implementation handled by BNY Mellon Advisors.