John Besse is a financial advisor with Truist Advisory Services who holds Series 63 and Series 65 licenses and has 10 years of industry experience. He has worked at Truist and its predecessor entities, including SunTrust, since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and AI-enabled research tools to support its investment process.

Steffen Watkins is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Raymond James and Watchdog Capital. Watkins is based in Tampa, FL. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, including in-house research and regulatory roles uncommon among peers.

Monica Zwipf is a CFP® with eight years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has held positions at several firms including KeyBank NA and Cetera Investment Services LLC. Outside of her advisory role, she serves as secretary for a nonprofit supporting police dogs and is a self-published author of a children’s book titled "The Magic of Different Brains." Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across multiple asset types. The firm operates within the Schwab ecosystem, using proprietary research tools while leaving final investment decisions to clients.

Karl Furno is a CFP® with 19 years of experience in the financial services industry. He has worked at J.W. Cole Advisors, Inc. since 2017 and previously spent 10 years at G.A. Repple & Company. Outside of his advisory role, Furno is a senior advisor and partial owner of Mosaic Wealth Management Group and has longstanding involvement with the Central Florida YMCA. J.W. Cole Advisors, Inc. is an enterprise firm with a large network of over 480 advisors providing fee-based portfolio management, financial planning, and retirement plan services for individuals, high-net-worth clients, and institutions. The firm offers both discretionary and non-discretionary account management using a variety of investment strategies and platforms.

Wendy Meyer is a CFP® and holds a Series 66 license, with 21 years of experience in the financial services industry. She is currently with J.W. Cole Advisors, Inc. and J.W. Cole Financial, Inc., where she has worked since 2024. Prior to that, she spent nearly two decades with Ameriprise Financial Services and Ameriprise. In addition to her advisory role, Meyer operates Pivotal Wealth Planning, LLC as an independent contractor and president. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent advisers. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, utilizing both discretionary and non-discretionary strategies.

Evan Conley is a financial advisor at J.W. Cole Advisors, Inc. with 15 years of industry experience. He holds a Series 66 designation and has been with J.W. Cole Advisors and J.W. Cole Financial since 2014. Outside of his advisory role, he serves as president of ECC Wealth Management, an S-corporation unrelated to investment activities. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions, implementing investment decisions through discretionary or non-discretionary strategies.

Zacharry Wilson is a financial advisor with PNC Wealth Management in Tampa, FL, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at T. Rowe Price, Morgan Stanley, Ameriprise, LPL Financial, and Suncoast Credit Union. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments and implements investments via approved model strategies managed by PNC or third-party strategists.

Robert Buck is a financial advisor with Eagle Strategies (NY Life) based in Tampa, FL. He holds Series 65 and Series 63 licenses and has been in the industry since 2017, with prior experience at University of Southern Maine and Bath Iron Works. He has been affiliated with Eagle Strategies since 2026 and with New York Life companies since 2020. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate entities. The firm offers financial planning, investment management, and retirement-plan advisory services through various program types, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

Joseph Iannuzzo is a financial advisor with J. W. Cole Advisors, Inc. in Cocoa Beach, FL, holding a Series 66 designation and 24 years of industry experience. He has been with J.W. Cole Financial and J.W. Cole Advisors since 2017. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, using a variety of investment approaches including discretionary and non-discretionary strategies.

Reece Poppell is a financial advisor with Voya Financial Advisors, Inc., holding CFP® and Series 66 credentials and four years of industry experience. Prior to joining Voya, he worked at the Walt Disney Company and Universal Orlando Resort. He also operates as an independent insurance agent, selling fixed insurance products. Voya Financial Advisors, Inc. serves a diverse range of individual and institutional clients, offering financial planning, portfolio management, and plan-sponsor consulting through various program structures, including non-discretionary recommendations and third-party money manager access.

Jonathan Decker is a financial advisor at Janney Montgomery Scott with 27 years of industry experience. He holds the Series 66 designation and has worked at Janney since 2023, following 14 years at Bank of America and 25 years at Merrill. He serves as the Vice Chair of the University of South Florida St. Petersburg Business School Dean's Advisory Council. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base including individuals, families, trusts, and institutional clients, offering brokerage, financial planning, and advisory services supported by in-house and third-party portfolio management.

German Ramirez is a Series 66-credentialed financial advisor with 19 years of industry experience. He is currently with Independent Financial Partners, where he has worked since 2019. Prior to that, Ramirez held positions at BluePrint Wealth Alliance and Anthem Risk Management, and he is also a partner at Ram Wealth Advisors, a role he has maintained since 2015. In addition to his advisory work, Ramirez served as a lecturer for a finance certificate program at Florida International University, providing instruction on macroeconomics and financial risk management to international students. Independent Financial Partners is a nationwide enterprise supporting a multi-advisor platform with over 260 advisors serving individual, charitable, corporate, and high-net-worth clients. The firm offers a decentralized advisory model with personalized investment strategies and notable retirement-plan advisory and pension consulting services.

Maria Blotner is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. She has been with Citigroup since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and holds distinctive market roles including swap dealer and futures commission merchant functions.

Leah Waldrip is a financial advisor at United Planners' Financial Services of America with 23 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at LPL Financial, Raymond James & Associates, and a teaching position with VIP Kid. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individual investors, retirement plans, and institutional clients. The firm offers advisory and brokerage services through independent representatives and utilizes a variety of custodians and third-party managers to implement client strategies.

John Oliva is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America, AXA Advisors, and New York Life. Outside of his advisory work, he volunteers annually at Camp Erin, a charitable organization. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension plans, corporations, trusts, and charitable organizations. The firm offers a broad range of services including investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple program models and partnerships with custodians such as Schwab and Fidelity.

Robert Bryant is a financial advisor with J.W. Cole Advisors, Inc. in Tampa, FL, holding Series 63 and Series 65 credentials and possessing six years of industry experience. He has worked with J.W. Cole Advisors since 2024 and is also a CPA partner at Boatman & Bryant CPA firms since 2009. Outside of his advisory role, he serves as a CPA partner in multiple accounting and tax service firms. J.W. Cole Advisors operates through a large network of independent advisers, providing fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms for individuals, high-net-worth clients, and institutional accounts. Their investment approach includes discretionary and non-discretionary management using fundamental and technical analysis, model or manager-based strategies, and digital advice platforms.

Nicholas Santana is a CFP®, CFA®, and holds a Series 65 license with 10 years of industry experience. He has been with Creative Planning in Clearwater, FL since 2015. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and emphasizes a financial planning–led investment process that includes low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting, supported by a large advisory team and centralized investment infrastructure.

Mads Andersen is a financial advisor with Valic Financial Advisors in Tampa, FL, holding a Series 66 designation and with 10 years of industry experience. He has worked at Valic Financial Advisors since 2018 and previously held positions at firms including Mass Mutual Investors Services and MetLife Securities. Outside of advisory work, he is an agent for Agia, focusing on non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and technology-driven model solutions.

Keith Johnson is a financial advisor at HB Wealth with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at SunTrust Advisory Services and SunTrust Bank for a combined 10 years. Johnson serves on the boards of several nonprofit organizations, including as Chairman of Children First, Inc. and as a director of the Gulf Coast Community Foundation. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, and institutional clients. The firm employs a discretionary investment approach combining quantitative and qualitative due diligence across multiple asset classes and offers both retail and institutional advisory services.

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 provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients using a combination of in-house model portfolios, third-party managers, and integrated programs with affiliated entities.