John Delgado is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Prior to joining Voya, he worked at Raymond James & Associates and Fidelity Brokerage Services. He is also the owner and manager of Chatarra Restaurant LLC, a family-operated mobile food truck, and the author of a book titled *50 Rules of Life for My Kids*. VOYA Financial Advisors, Inc. serves individuals, pension plans, charitable organizations, and corporate clients, offering financial planning, portfolio management, and retirement advisory services through a large network of advisers. The firm employs a range of investment solutions including unified managed accounts, using both in-house and external strategists, and provides services primarily on a non-discretionary basis with some discretionary management options.

Abid Afridi is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His background includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Wells Fargo Clearing, and Wells Fargo Bank. Outside of his advisory work, he is employed part-time at a 7-Eleven franchise in a customer service capacity. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners with managed portfolio and advisory services that focus on asset allocation and retirement planning guidance. The firm utilizes proprietary software and model portfolios developed in partnership with Morningstar Investment Management and operates at scale with a primarily non-discretionary asset base.

Michael Ebert is a financial advisor at Principal Financial Services with Series 63 and Series 65 licenses and three years of industry experience. He previously worked at New York Life Insurance Company and NYLife Securities LLC. Outside of advising, he is involved in offering insurance solutions including annuities and various life and disability insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s offerings include direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Christopher Jay is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Corient. He has previously worked at CI Doyle Private Wealth, LLC, and has been with Corient and its affiliated entities since 2022. Christopher is based in St. Petersburg, FL. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions and uses risk management tools and continuous portfolio monitoring.

Aaron Motai is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Corient. His prior roles include positions at Sabal Trust Company, TD Ameritrade, Charles Schwab, USAA, and T. Rowe Price. He is based in St. Petersburg, Florida. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm employs a goals-based, team approach to portfolio management, utilizing both in-house strategies and third-party solutions while incorporating risk management tools and alternative investments when appropriate.

Lorin Bridge Jr. is a financial advisor with Corient, holding a Series 65 designation and three years of industry experience. His prior experience includes 15 years at Reilly, Fisher & Solomon PA and roles at CIPW Service Company, LLC and CI Doyle Private Wealth, LLC. Corient provides investment advisory and financial planning services to a diverse client base, employing a goals-based, team investment approach that integrates in-house strategies with third-party managers and customized asset allocation. The firm offers specialized capabilities including private fund platforms and affiliated trust services.

Nicholas Campbell is a financial advisor with First Command Advisory Services in Riverview, FL, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has worked with First Command and its affiliated entities continuously since 2006. Outside of his advisory role, he is involved with BNI as a professional development instructor, providing training to members on presentation and chapter development. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporations, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs managed by an internal Investment Management Team and Wealth Portfolio Managers, using platforms such as Envestnet and Pershing.

Brian Bohnen is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, Series 65, and Series 66 licenses and 16 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2017, as well as prior experience at Allstate Insurance, Morgan Stanley, and other firms. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs, investment education, and portfolio management that rely on Morningstar Investment Management’s proprietary software and model portfolios. The firm operates at scale, focusing on asset allocation, contribution guidance, and retirement planning through both discretionary and non-discretionary services.

Justin Cabibi is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at GWFS Equities, Cetera, Regions Bank, and Bbtis. He is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors serves U.S.-domiciled individual investors, including 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 and operating at a large scale with approximately $26.4 billion in discretionary assets under management.

Paul Sponseller is a CFP® with 28 years of experience in the financial industry. He is currently with Independent Financial Partners, where he has worked since 2019. His prior roles include positions at WealthSource Partners, LLC, Moors & Cabot, Inc., Niagara International Capital Limited, and Raymond James & Associates. Sponseller serves on the Board of Directors for Mary and Martha House, a battered women’s shelter in Ruskin, Florida. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a decentralized advisory model and a notable focus on retirement-plan advisory and pension consulting.

Stephen Duganieri is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. His prior work includes roles at Nationwide Investment Services Corp, MML Distributors, LLC, and Massachusetts Mutual Life Insurance Company. He has also been affiliated with Transamerica Investors Securities Corporation and Transamerica Life Insurance Company since 2022. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through a range of advice programs that focus on asset allocation, contribution rates, and retirement age guidance. The firm’s investment approach incorporates proprietary software and model portfolios developed in partnership with Morningstar Investment Management, offering both managed and non-discretionary recommendations to a client base of over 200,000.

Jean Rullier is a Series 66-licensed financial advisor with Truist Advisory Services in Tampa, FL, and has two years of industry experience. His prior roles include positions at Wells Fargo and Truist Bank. Outside of his advisory work, he has contracted with Carvertise Inc., a car advertising company, driving a wrapped vehicle as part of an advertising agreement. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches, integrating services across affiliated entities.

Jordan Giranda is a financial advisor at Corient with a Series 65 designation and two years of industry experience. Prior to joining Corient, he held roles at EY/Tapfin and Uber. Corient provides investment advisory and financial planning services to a diverse client base that includes individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach that incorporates both in-house strategies and third-party manager solutions, supported by continuous portfolio monitoring and risk management tools.

Donald Dupont Jr. is a CFP® professional with 19 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2022, and has held several roles at Charles Schwab and USAA over the past 16 years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using asset-allocation models and internal research tools while executing trades only with client authorization.

Janet Spector is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 licenses. She has 40 years of industry experience, having worked at NYLife Securities LLC and New York Life Insurance Company since 1986. Her other business activities include brokering non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

Robert Fradette is a CFP® and ChFC® professional with 38 years of industry experience. He is currently affiliated with OSAIC Institutions, Inc. and has held roles at infinex Investments, Inc. since 2016 and Chelsea Groton Financial Services, Inc./Chelsea Groton Savings Bank since 2000. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, including high-net-worth clients, as well as ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, and access to alternative investments through a hybrid adviser/broker-dealer structure.

Harold Scull III is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including USAA Financial Planning Services and TD Ameritrade. He has been with the Schwab organization since 2020. Schwab Wealth Advisory serves clients enrolled in its SWA program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s proprietary asset-allocation models and internal research tools.

Raquel Higgins is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 licenses and nine years of industry experience. Her prior roles include positions at Charles Schwab and TD Ameritrade. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a wide range of asset management and consulting services, utilizing model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Nathan Anderson is a CFP® professional at Empower Advisory Group with 12 years of industry experience. He has worked at several firms, including Personal Capital Advisors Corporation, Mariner Wealth Advisors, and TD Ameritrade. Anderson is based in Parrish, Florida. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Keith Mcateer is a financial advisor with Fifth Third Securities, Inc. in Pinellas Park, FL. He holds Series 63 and Series 65 licenses and has 1 year of industry experience. Prior to his current role at Fifth Third Securities, he has been with Fifth Third Bank since 2013. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and a tax-overlay service, supported by its affiliation with Fifth Third Bank and partnerships with National Financial Services and Fidelity Institutional Wealth Adviser.