Taylor Cowgill is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and MassMutual Life Insurance. Based in Orlando, FL, Cowgill's background includes roles in both financial services and other sectors such as dental care and retail. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 solutions, supported by a large integrated platform and centralized operational structure.

Mary Byington is a financial advisor at Merrill with 19 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Truist, United Medical Corporation, Cetera Investment Services LLC, and Regions Bank. Outside of her advisory role, she serves as a board member and fundraising gala committee member for the Coalition for the Homeless of Central Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gerardo Davila Diaz is a financial advisor with Charles Schwab in Orlando, FL, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at JPMorgan Chase and TD Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides integrated brokerage, custody, and advisory services.

Armando Cruz is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Neuberger Berman BD LLC and the NYC Driver Institute. Outside of advisory work, he provides transportation services through ride-share platforms. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Dhanespatti Tiwari is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he provides guidance and support to clients in managing their investment portfolios and financial strategies. Dhanespatti has experience related to business development, client relations, and trade execution for client portfolios. He has also assisted teams with syndicate portfolio management. He holds the Professional Designation of Personal Investment Advisor (PIA). He earned an Accredited Certificate from George Mason University.

Alex Martin is a Planning Consultant at Fidelity Investments, a role held since 2023. In this position, Alex collaborates closely with clients to understand their financial needs and goals, developing strategies and plans tailored to those objectives and adapting them as circumstances evolve. Alex's professional background includes experience as a Senior Team Manager at Charles Schwab from 2022 to 2023 and as a Service Team Lead at the same company from 2019 to 2022. This progression reflects a solid foundation in financial services and client management. Outside of work, Alex has interests in fitness, football, golf, pets, and puzzles.

Elvis Ngo is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including a role at Charles Schwab Bank since 2015. 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 offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

John Kirchhoefer is a financial advisor with Merrill who holds a Series 63 designation and has 47 years of industry experience. He has been with Merrill since 1970 and also affiliated with Bank of America since 2009. Outside of his advisory role, he is involved in multiple aviation-related businesses, including serving as president of a courier company and holding interests in several corporations that manage and own aircraft for liability purposes. Merrill, along 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 plans, corporations, and charitable organizations.

Loretta Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has previously worked at Cetera Advisors LLC and Sunrise Wealth Advisors. In addition to her advisory role, Miller provides administrative support to Synergy Investment Management, an independent investment adviser firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of financial planning, asset management, and retirement services to individuals, institutions, and plan participants. The firm supports advisers with research-driven model portfolios, third-party subadvisors, and a variety of investment strategies.

Erik Whelan is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans and present tailored strategies. His approach involves co-creating clear, actionable steps that evolve over time to reflect client preferences, time horizons, and changing needs. Erik has been with Fidelity Investments since 2021, progressing through roles including Customer Relationship Advocate, High Net Worth Associate, Investment Solution Representative I and II, Planning Consultant, and currently Investment Consultant. This experience has provided him with a strong foundation in investment solutions and client planning. Outside of his professional work, Erik has personal interests that include boating, golf, scuba diving, visiting museums, traveling, and exploring culinary experiences.

Shaunah Saint Cyr is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab since 2017. Outside of her advisory role, she creates social media content focused on travel, food, women's health and empowerment, and solo living. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering both non-discretionary and discretionary investment advisory services through wrap fee programs and managed accounts. The firm combines brokerage, custody, and advisory functions with a multi-asset investment approach supported by centralized operational infrastructure.

Natasha Carse is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2015, including seven years with Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved in music and video production as well as movie production through her ownership and management of related LLCs. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and advanced modeling tools to support clients’ financial goals.

Marc Abraham is a Series 66-credentialed financial advisor with six years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019. Prior to his finance career, he worked at Rocky Mountain College of Art + Design for eight years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based financial planning across various topics without discretionary trading authority, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Scott Chapa is a CFA® charterholder with 19 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. He previously held roles at Wells Fargo Bank, nA, Zions Capital Advisors, Inc., and Zions Direct, Inc. He has a 50% ownership in Chapa Squared Ventures, LLC, a private investment venture based in Orlando, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of advisors.

Lance Robinson is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Charles Schwab Bank and Capco RISC Services. 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 affiliated discretionary separately managed accounts and offers a structured approach to alternative investments and cash-sweep services.

Denise Crawford is a financial advisor with Edward Jones in Oviedo, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Nathan Hrdy is a financial advisor at Charles Schwab with a Series 66 credential and approximately one year of industry experience. Prior to joining Schwab, his background includes roles outside the financial industry, primarily in the hospitality sector. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and access to alternative investments.

Christian Larson is a financial advisor with Merrill based in Lake Mary, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Lance Atwood State Farm. Outside of his advisory duties, Larson works with a family-owned land flipping business, JML Land Investment, where he conducts market research and negotiates deals outside of work hours. 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 plans, corporations, and charitable organizations.

Valeria Arroyave Cardona is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and three years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2014 and has been with Wells Fargo Clearing and Core Technology Services, LLC since 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Anna Sime is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at firms including Schwab Private Client Investment Advisory, Wells Fargo, Citigroup, and HSBC. Outside of finance, she is involved in the dance industry as a partner in SM Dance Company and a vice president in SM Dance Syndicate, both based in Winter Park, Florida. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations in standalone plans.