Lauren Romaguera is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab since 2012, including a one-year role at Charles Schwab Bank. Based in Orlando, FL, she serves clients through Schwab’s wealth advisory programs. 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 management, utilizing multi-asset model portfolios and comprehensive due diligence on alternative investments.

Jeffrey Toadvine is a financial advisor with Ameriprise in Ocoee, FL, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate since 2012. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm utilizes algorithmic automation alongside research and modeling to generate tailored advice and provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Robert Cairns is a financial advisor with OSAIC who holds a Series 66 designation and has 34 years of industry experience. His prior affiliations include Woodbury Financial Services, Questar Asset Management, and Allianz Life. Outside of his advisory role, he is involved in charitable organizations such as the Hope and Unity Foundation and One Million Wells, where he serves on the board and supports international water projects, and he also pursues photography as a side business. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, offering integrated brokerage and investment advisory services through a broad network of advisers. The firm provides a range of portfolio management tools and access to third-party managers, operating multiple platforms and maintaining complex commercial and corporate relationships.

Bradley Erb is a financial advisor with Edward Jones in Winter Park, FL, holding Series 63 and Series 66 designations and with 27 years of industry experience. He has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a wide range of households and organizations. The firm manages approximately $1.01 trillion in assets through a large nationwide network of financial advisors, offering various advisory strategies, separately managed accounts, affiliated mutual funds, and overlay and tax-efficient services.

Joshua Hylton is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His previous roles include positions at TD Ameritrade and Schwab Private Client Investment Advisory, Inc. among others within the Charles Schwab family of companies. 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 distinctive operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Robert Kerns is a financial advisor with Morgan Stanley in Winter Park, FL, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018, following prior roles at SunTrust Investment Services and SunTrust Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Kaylene Mckoy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 14 years of industry experience. She has been with Wells Fargo Advisors LLC since 2011 and concurrently affiliated with Wells Fargo Bank NA since 2007. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options grounded in modern portfolio theory and driven by investment policy statements. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Diane Thomas is a financial advisor with Edward Jones in Eustis, FL, holding the ChFC® and Series 66 designations and with nine years of industry experience. Prior to joining Edward Jones in 2016, she worked for Walt Disney Parks and Resorts for nine years. Outside of her advisory role, she co-owns a hobby craft business creating wooden and painted dinosaur art and manages the self-publication of a Bible-study book with her father. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a broad range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

Leigh Parks is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning services through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies without providing individual security recommendations as part of standalone planning.

Anne L'Heureux is a Financial Consultant with Fidelity Investments. She partners with clients to understand their short and long term financial goals and needs, working to develop customized financial plans and investment strategies tailored to their priorities. She focuses on building trust through effective communication and maintaining strong client relationships. Anne's experience includes roles as Investment Consultant at Fidelity Investments from 2025 to 2026, Planning Consultant from 2023 to 2025, Relationship Manager from 2021 to 2023, and Financial Representative from 2020 to 2021. Prior to joining Fidelity, she was an Associate Financial Consultant at Charles Schwab from 2019 to 2020. Outside of her professional work, Anne has interests in fitness, food, horseback riding, photography, tennis, and traveling.

David Stella is a CFP® with 29 years of industry experience, currently serving at Morgan Stanley in Orlando, FL. He has worked at Morgan Stanley and its affiliated Private Bank since 2016 and previously held roles at Wells Fargo Advisors and Wachovia Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm‑approved tools and a structured discovery process.

Pedro Lugo is a financial advisor with Merrill in Orlando, FL, holding a Series 66 designation and 11 years of industry experience. His career includes positions at Bank of America, Fidelity Investments, MassMutual, Charles Schwab, and Northwestern Mutual Investment Services. 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 a range of individual and institutional clients.

David Auvil Jr. is a financial representative with Mass Mutual Investors Services in Orlando, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at MML Investors Services LLC, MassMutual Life Insurance Co, and Northwestern Mutual. Outside of his advisory role, he is involved in life insurance, fixed annuities, disability, and long-term care sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, technology-supported planning engagements without discretionary investment authority.

Brian Coatoam is a financial advisor with RBC Capital Markets in Winter Park, FL, holding the CFP® designation and Series 63 and 65 licenses. He has 28 years of industry experience and has worked at City National Bank, Bank of America, and Merrill. He is a member of the Community Leadership Council for The Howard Phillips Center for Children & Families, which advocates for children in Central Florida. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies utilizing both in-house and third-party managers.

Carlos Leon is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in assisting business owners with the complexities of cash management and retirement planning, developing customized strategies to support long-term financial success and security. His client focus areas include corporate benefits, divorce transition planning, family wealth management strategies, legacy planning, small business strategies, tax minimization, and retirement income. Carlos holds a Bachelor's Degree from Florida State University and has earned several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in English and Spanish. Outside of his professional work, Carlos has personal interests in adventure sports and boxing, and he values spending time with his family.

Arti Gupta is a financial advisor at Edward Jones in Orlando, FL, holding the CFA® designation and Series 63 license with four years of industry experience. Prior to joining Edward Jones in 2024, Gupta worked at the Bank of New York and Bank of America and was involved with Atlas Business LLC and AXA Advisors LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and affiliated investment products. The firm is notable for its extensive network of advisors and branches, as well as its integrated services including trust and securities-based lending options.

Ting Gray is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Charles Schwab, Ting worked for ten years at Jeunesse Global. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment program.

Yolanda Mc Leod Terry is a financial advisor with Merrill and holds the Series 66 designation. She has nine years of industry experience, including her current tenure at Merrill since 2016. Outside of her advisory role, she serves as a board member for the Second Harvest Food Bank of Central Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Peter Hankes is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this capacity, he works with affluent families to develop investment strategies and plans tailored to their financial goals. His approach focuses on providing clients with knowledge and resources to help them make informed investment decisions. Prior to joining Fidelity, Peter served as a Senior Financial Consultant at TD Ameritrade from 2012 to 2022, and before that, he was an Independent Financial Advisor at Empire Financial Group from 2001 to 2012. This extensive experience in financial consulting has equipped him with a broad understanding of wealth management and client relationship cultivation. Outside of his professional work, Peter enjoys family activities, fishing, fitness, golf, and outdoor adventures.

Alan Nagase is a Series 66-registered financial advisor with Charles Schwab in Orlando, FL. He has 16 years of industry experience, including 10 years with Charles Schwab. Charles Schwab & Co., Inc. serves a broad 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 solutions supported by strategic asset allocation models and centralized operational infrastructure.