John Ashworth is a Series 66 licensed financial advisor with Morgan Stanley in Winter Park, FL, and has 15 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as Treasurer for the Parkinson Association of Central Florida and assists the Foundation for Seminole County Public Schools by reviewing and providing feedback on their budget and financial strategy. Morgan Stanley Wealth Management offers a broad range of advisory programs serving both individual and institutional clients with tailored financial planning, managing approximately $2.74 trillion in client assets. Their approach includes structured discovery conversations and firm-approved planning tools without providing individual security recommendations as part of standalone planning.

Leyton Evans is a financial advisor at Osaic Wealth, Inc. with nine years of industry experience. He holds a Series 66 designation and previously worked at FSC Securities Corp for seven years. Evans also has experience as an advisor assistant with Evans Advisory Group. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory platforms and tools to construct portfolios across various asset classes and offers both discretionary and non-discretionary management services.

Carol Thomas is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Heathrow, Florida office. She began her career in the financial services industry shortly after graduating from St. Michael's College in Winooski, Vermont, in 1983. Transitioning from administrative roles, she became a financial advisor in South Florida in 1997 and has since provided personalized wealth management strategies to her clients. Carol’s areas of expertise include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from a small town in Upstate New York near the Vermont-Massachusetts border, Carol has lived in Florida since 1984. She currently resides in Lake Mary, Florida, to be near her two married daughters and two grandsons. Her personal interests include golfing, reading, scuba diving, skiing, swimming, yoga, and spending time with her family.

Kevin Murphy is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Schwab, he briefly worked at Putnam Investments and has diverse experience in roles outside the financial industry, including at McQuade Library and Chipotle Mexican Grill. Charles Schwab 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 models with access to discretionary separately managed accounts and utilizes multi-asset model portfolios alongside alternative investment options.

Alejandro Benedetti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2009 and was with Schwab Wealth Advisory Inc. from 2012 to 2025 before joining Charles Schwab Bank in 2025. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized supervision and custody services.

Linda Xue is a financial advisor at UBS Financial Services with three years of industry experience. She has worked at UBS since 2018, including time with UBS Business Solutions AG and Ernst & Young prior to that. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to client goals.

Arly Manigat is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Charles Schwab since 2014. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through an integrated wrap fee program and managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and multiple asset allocation strategies.

Neal Bhatia is a financial advisor at Fidelity with Series 65 and Series 63 credentials and four years of industry experience. His prior work includes roles at Synergy of Florida and BCI Integrated Solutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios including fund-of-funds and model portfolios, and it also serves as a formal advisor to multiple registered investment companies.

Paul Brown is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member and finance committee member for the Millenium Rowing Association, a nonprofit organization in Winter Park, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including financial planning services that utilize firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers investment and planning solutions across multiple platforms.

Kimberly Burns is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 66 designation and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has prior experience at Wells Fargo Bank, N.A. from 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Travis Webb is a financial advisor with Wells Fargo Clearing in Winter Park, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and utilizes research and analytics grounded in diversification principles and modern portfolio theory.

Norma Sepulveda is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 63 designation and bringing 41 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Fallon Beacham is a financial advisor at Charles Schwab with 12 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and its related entities since 2011, with a brief tenure at Alegeus Technologies. 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 offers a combination of non-discretionary and discretionary investment options, delivering guidance through multi-asset model portfolios and alternative investment programs.

Elizabeth Owens is a financial advisor with Robert Baird & Co. in Winter Park, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Robert Baird & Co. since 1998. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across various investment strategies.

Edgar Ramirez is a financial advisor at Charles Schwab with 11 years of industry experience and a Series 66 designation. He has worked at Charles Schwab since 2018 and previously at Fidelity Brokerage Services from 2015 to 2018. Based in Orlando, FL, Ramirez’s background includes roles at two major firms. Charles Schwab & Co., Inc. serves a substantial client base primarily consisting of 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 a mix of non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and a centralized operational structure.

Jose Correa is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. He has worked at Merrill since 2014 and has been associated with Bank of America since 2007. Outside of his advisory role, he serves as power of attorney for a fiduciary entity based in Miami, Florida. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lars Anderson Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors, Inc. and UBS Financial Services. He is also involved with Anderson Investment Management, Inc., which he has been associated with for over 18 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, supported by a large network of investment adviser representatives and a diverse platform of strategic and tactical portfolio options.

Rohan Rashid is a Series 66 licensed financial advisor at LPL Financial with three years of industry experience. His prior roles include positions at Investment and Insurance Planning Services, LLC, Bristol West Insurance Company, and Estate & Business Planning Group. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with technology and extensive resources.

Jeffrey Krummick is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 license and 17 years of industry experience. He has been with Charles Schwab since 2010 and worked at TD Ameritrade from 2020 to 2024. Charles Schwab & Co., Inc. serves a large client base that primarily includes 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 relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and a range of alternative investment options.

Kaikai Wang is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 65 designations and nine years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, JP Morgan Securities, and JPMorgan Chase Bank. Wang also served in the US Army Reserve for six years. Charles Schwab & Co., Inc. serves a very 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers investment guidance using multi-asset model portfolios and alternative investment due diligence.