Michael Haas is a financial advisor with Raymond James & Associates in Orlando, FL, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Raymond James & Associates since 2008. Outside of his advisory role, he serves as a deacon on the finance and care teams at Willow Creek Church, PCA, where he participates in budgeting and community support activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting primarily through non-discretionary arrangements supported by a range of portfolio management styles and proprietary research.

Michael Hlavek is a CFP® with 26 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. in Winter Park, FL. His prior roles include positions at Concurrent Retirement Solutions, Concurrent Advisors, and the Winter Park Firefighters Pension. Outside of financial advising, he is president of the AGW Group, a support company, and owner of Blue Eyes Boat, LLC, a holding company for a boat located in the British Virgin Islands. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and utilizes analytical tools to align strategies with client goals, supporting implementations through advisory programs and other providers.

Marina Borden is a CFP® and Series 66 holder with 7 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2018 and previously held roles at Keeler Group, University of Central Florida, and Orlando Magic. 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 affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and provides centralized custody and operational support.

William Winslow is a CFP® professional with 14 years of industry experience, currently serving at Edward Jones since 2011. He holds the Series 66 designation and is based in Winter Garden, Florida. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including wrap fee strategies and separately managed accounts, operating under a fiduciary standard.

Lana Costello is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding a Series 66 designation and 16 years of industry experience. She has been with Charles Schwab since 2010. 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 with access to discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Stacy Dearman is a financial advisor at Edward Jones with 15 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers 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.

Marlies Schubiger is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and six years of industry experience. Her prior work includes roles at UBS Financial Services, Edward Jones, Robinhood Markets, and Equitable Advisors. She is also involved with the Swiss Club of Central Florida. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jennifer Inigo is a financial advisor at Cetera with five years of industry experience. She holds a Series 66 designation and has worked at Cetera Wealth Services, LLC, and Voya Financial Advisors, Inc. Inigo also serves as a registered representative and investment advisor representative for Bruce Woodruff & Associates, a financial services firm, and works as an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of third-party money managers.

Daniel Ruiz Vallejo is a financial advisor with Ameriprise in Orlando, FL, holding a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2025, with prior experience at Graydel Capital LLC and ISL Agency. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting team approach, supporting clients with advisory, brokerage, and insurance solutions.

Craig Ratick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Harry Overton III is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has previously worked at Voya Financial Advisors, Inc. and has maintained his own entity, Overton Financial Group, since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services with a variety of management approaches and access to research and model portfolios.

Fernando Garcia is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 credentials and is based in Orlando, FL. Mr. Garcia has been with Bank of America and Merrill since 2001. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Giles is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab since 2015. Outside of his advisory role, he owns a printing and publishing business through which he self-published a book under a pseudonym. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Colton Bundy is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at The Country Club of Orlando and multiple engagements with the University of South Florida. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, algorithmic methods including AI, and its advisory role to various registered investment companies.

Bruce Kavenagh is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at Continental Casualty Company for 19 years. Outside of advising, he owns a rental property in Winter Springs, Florida. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors.

Sarah Grafton is a financial advisor at LPL Financial with 17 years of industry experience. She holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside her advisory role, she is involved with DWS Partners, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, research, and technology solutions.

Bayohan Martinez is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding Series 63 and Series 66 licenses and having three years of industry experience. He has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers.

Beth Stapp is a financial advisor with LPL Financial in Winter Park, FL, holding Series 65, Series 63, and Series 66 licenses and bringing nine years of industry experience. Her prior work includes roles at The Huntington National Bank and The Huntington Investment Company. She is also involved with Seacoast Bank in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Steven Porter is a financial advisor with Raymond James & Associates in Winter Park, FL. He holds the CFP® designation and Series 66 license and has 18 years of industry experience. Prior to joining Raymond James in 2025, he worked at Charles Schwab and Charles Schwab Bank from 2015 to 2024. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and consulting mainly through non-discretionary relationships supported by a variety of portfolio management styles and affiliated research.

Elizabeth Olivera Gonzalez is a financial advisor with Wells Fargo Clearing in Winter Park, FL. She holds Series 63 and Series 66 licenses and has 13 years of industry experience. Since 2016, she has been associated with various Wells Fargo entities. Outside of her advisory role, she co-owns Gonzalez Legacy Corporation with her spouse. 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 uses research and analytics from Wells Fargo Investment Institute and third-party sources to guide its investment approach, offering both brokerage and advisory solutions.