Michael Flynn Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively with Avantax Advisory Services and Avantax Investment Services. Outside of his advisory duties, he owns FreeState Tax Associates Ltd, an accounting and tax preparation business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. It offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

Daniel Kirk is a financial advisor with J.P. Morgan Securities in Orlando, FL, holding Series 66 and Series 63 licenses and bringing 24 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, Pierce, Fenner & Smith Inc., Wells Fargo, and Citizens Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG considerations, with implementation support from affiliated investment-management entities.

Sean Marlowe is a financial advisor with Ameriprise in Orlando, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is involved in consulting and is a part owner of Apex Strategic Alliance LLC. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver non-discretionary, customized retirement-income recommendations.

Scott Lester is a financial advisor at Charles Schwab & Co., Inc. based in Orlando, FL. He holds a Series 66 designation and joined Charles Schwab in 2026. His prior work experience includes roles outside the financial industry and periods of full-time education. Charles Schwab 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 a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Jerrey Thurston is a Certified Financial Planner® with 24 years of industry experience, currently with UBS Financial Services since 2009. He serves on the board of Sol Blazers Lacrosse, an organization promoting girls lacrosse in Central Florida. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor investment plans.

Jason Wingo is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Edward Jones. Prior to his career in finance, he spent two years at Compass Flooring Distributors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a mix of quantitative and qualitative research.

Tara Pinchal is a financial advisor with Ameriprise in Winter Park, FL, holding a Series 63 designation and 35 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory services, she is involved in a family-owned business managing commercial real estate properties in Houston, Texas. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Edwin Ricardo is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 65 and Series 63 licenses. His prior roles include positions at TD Private Client Wealth LLC, ACE Capital Management LLC, and BTS Asset Management. 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 relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by its Center for Financial Research.

Michael Fernandez is a financial advisor with LPL Financial in Orlando, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His prior experience includes roles at Merrill, Morgan Stanley, Wells Fargo, and Cetera. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advanced operational tools.

Joyce Goff is a financial advisor with Merrill in Winter Park, FL, holding a Series 66 credential and 33 years of industry experience. She has worked at Merrill since 1995. 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.

Semih Batum is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at firms including The Vanguard Group, Bank of America, Merrill, and Amicorp Services Ltd. prior to joining Schwab. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational platform.

Gerardo Forteza Garcia Barbon is a financial advisor at Ameriprise in Winter Park, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Ameriprise in 2022, he worked at Curative and Asurion, among other roles. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining proprietary investment research and third-party data to provide tailored, non-discretionary recommendations.

Luis Alvarez is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and choose portfolio strategies designed to help them achieve these objectives. Luis provides ongoing advice and adapts clients' portfolios as their situations change. He has expertise in areas including general investing, retirement planning, and saving for unexpected events. Luis takes the time to understand what is important to each client in order to help develop a strategy that pursues their financial goals. He holds a Bachelor's Degree from the University of Central Florida and an Accredited Certificate Program from Kaplan University. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Luis speaks both Spanish and English. Outside of his professional work, Luis is involved with several community organizations including the American Cancer Society, Boys and Girls Club of Central Florida, Keep Orlando Beautiful, Inc., and Second Harvest Food Bank of Central Florida. He enjoys activities such as baseball, biking, bowling, cooking, fishing, music, running, soccer, and tennis. Luis is a proud father and is married.

Andrew Tucker is a financial advisor at Raymond James Financial Services Advisors, Inc. with three years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Charles Schwab & Co., Inc. and Addition Financial. Outside of his advisory role, Tucker owns Tucker Health Solutions, LLC, which assists clients with Medicare enrollment. 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 investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals.

Ronald Rasband is a CFP®-designated financial advisor with 18 years of industry experience. He is currently affiliated with Cetera and has prior experience at Evershore Financial Group and Securian Financial Services. He serves as chapter president of the BYU Alumni Association in Orlando. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Patrick Lawrence is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured financial planning tools and modeling techniques as part of its advisory process.

Shaun Spaid is a financial advisor with Ameriprise in Oviedo, FL, holding a Series 66 credential and bringing 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice supported by a centralized consulting team.

Jason Dahlman is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. In his role, he provides financial consulting services aimed at helping clients pursue their financial goals. His approach to advising centers on integrity and a commitment to supporting clients and their families in their financial planning both now and in the future.

Ignacio Bartolomei is a financial advisor at Fidelity with 28 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Merrill, PNC Investments, and Charles Schwab. Bartolomei is based in Orlando, FL. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies and delivering model portfolios using systematic methodologies and long-term asset allocation benchmarks.

Kentecia King is a financial advisor at Charles Schwab with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, Finra, Pier One Imports, and U.S. Bancorp Investments. 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 guidance using multi-asset model portfolios and maintains a large, integrated structure with centralized supervisory and custody arrangements.