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.

Marc Turgeon is a financial advisor with Principal Financial Services in Odessa, FL, holding a Series 63 designation and 33 years of industry experience. He previously worked at Mass Mutual from 1989 to 2021 before joining Principal Securities Inc and Principal Life Insurance Company in 2021, and founding Turgeon Wealth Advisors in 2022. Outside of his advisory work, he is involved in the sales and servicing of outside insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

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.

Elisabeth Henderson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has been with Transamerica Retirement Solutions and related entities since 2013. Outside of her advisory role, she is involved in authoring a cookbook and is the legal owner of an online apparel store managed by her son. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed portfolios and non-discretionary recommendations supported by Morningstar Investment Management’s proprietary software and model asset allocations. The firm operates on a large scale with a focus on asset allocation, contribution guidance, and retirement planning education.

Andreas Schmitke is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 17 years with T. Rowe Price Investment Services, Inc. in Hudson, Florida. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The service targets individual investors and households with significant investable assets and includes annual reviews supported by an interactive online planning tool.

Ryan Saxe is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Truist Advisory Services since 2016 and has worked at Truist Investment Services, Inc. since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Taylor Harroun is a CFP® professional with 17 years of industry experience. He has worked at Creative Planning since 2017 and was previously with T. Rowe Price Investment Services, Inc. from 2009 to 2017. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process that emphasizes low-cost indexing alongside supplemental strategies, supported by a broad range of affiliated non-investment businesses such as an affiliated law firm and trust company.

Lawrence Schalles is a financial advisor with Principal Financial Services, holding a Series 66 designation and 28 years of industry experience. He has worked with Principal Life Insurance Company and Princor Financial Services Corporation since 2015. Outside of his advisory role, he is the owner of Schalles & Associates CPA, providing accounting and tax services. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm emphasizes direct advisory programs, financial planning, and access to third-party money manager solutions through various advisory and promoter arrangements.

Brandi Starr is a CFP® professional with 19 years of industry experience. She is currently with Empower Advisory Group and has previously worked at Morgan Stanley and E*TRADE. Outside of her advisory role, she volunteers as a group leader for a financial freedom class at Grace Family Church, focusing on budgeting, saving, and spending goals. 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. The firm offers integrated services tied to Empower’s administrative platforms, emphasizing long-term portfolio returns and annual rebalancing through proprietary and third-party planning methodologies.

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.

Ryan Dixon is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. He has worked at Ballast Wealth Partners and Harwood Advisory Group prior to his current roles. In addition to advisory work, he is involved in fixed insurance sales conducted at his branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, along with operational, compliance, and practice-management support, while allowing advisors discretion in portfolio construction and access to model portfolios managed by its Investment Management and Research team.

Christopher Costello is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and two years of industry experience. He has worked at Transamerica Investors Securities Corporation since 2024 and has been involved with Transamerica Retirement Solutions since 2016. Outside of his advisory work, he has occasionally worked as a driver for Uber and Lyft. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various advice programs that emphasize asset allocation, contribution rates, and retirement age guidance, utilizing proprietary portfolio tools and third-party model input primarily from Morningstar Investment Management.

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.

Agron Elmazi is a CFP® professional with 16 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. He has worked at T. Rowe Price since 2014, with a brief tenure at Fidelity Investments and Facet Wealth. Outside of finance, he has had short-term involvement in the restaurant industry. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with investable assets of approximately $250,000 or more.

Joshua Ferguson is a financial advisor at PNC Wealth Management with six years of industry experience. He holds a Series 66 designation and has previously worked at firms including Suncoast Credit Union, LPL Financial, City National Bank, and RBC Capital Markets. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees. The firm employs algorithm-driven risk assessments to recommend investment strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties.

Thomas Kelly is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 31 years of industry experience. He has been with T. Rowe Price since 2007. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining goals-based financial planning, retirement income strategies, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with a minimum asset requirement and emphasizes model portfolios, tax-aware rebalancing, and online planning tools.

Fawn Lane is a CFP® professional at Lincoln Investment with 20 years of industry experience. She previously worked at IHT Wealth Management LLC, Independent Financial Partners, LPL Financial, and Valic Financial Advisors. Lane owns Bay Area Wealth Management, Inc., an insurance and financial services business operating as a DBA for her Lincoln practice. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

Tereza Tancau is a financial advisor with Fifth Third Securities, Inc. in Wesley Chapel, FL, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She has been with Fifth Third Securities since 2013 and affiliated with Fifth Third Bank since 2005. Fifth Third Securities 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 tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.