Richard Springer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. from 2005 to 2022 before joining J.P. Morgan Securities in 2022. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Christopher Pashley is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley since 2021. His prior roles include positions at Bank of America and Merrill from 2011 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Douglas Jarrard is a financial advisor with Morgan Stanley in Winter Park, FL, holding a Series 66 designation and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling.

Clifton Smith is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ameriprise Financial Services, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. Outside of his advisory role, he is the owner of CSGolf LLC, a business established to support his son's college and professional golf career through NIL and sponsorship contracts. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, and offers a range of firm-sponsored wrap programs and institutional consulting services.

Robert Ross is a financial advisor with LPL Financial in Lake Mary, Florida, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at LPL Financial since 2014 and concurrently at First Federal (Scb&T) since 1999. Ross serves as a city council commissioner and non-profit board member for the City of Saluda, North Carolina. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and alternative strategies.

Carlos Travieso is a financial advisor with Thrivent Investment Management in Oviedo, FL, holding a Series 66 designation and bringing 15 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2012. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and planning that can be combined with managed-account programs under a consolidated billing arrangement, while keeping planning and portfolio management services separate.

Ty Christian Bissen is a financial advisor with Charles Schwab in Orlando, FL, holding Series 66 and Series 63 designations and four years of industry experience. His prior work includes roles at Fis, T. Rowe Price, and King Soopers. Outside of his advisory work, he is involved in buying and selling trading cards across various categories, including sports and collectible cards. 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 uses a multi-asset model portfolio approach supported by centralized operational and custody arrangements.

Suzette Davis is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2014. Prior to that, she worked at Laurette Joan Boutique in 2024. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a combination of advisory and brokerage capabilities.

Mona Kerlew is a Planning Consultant at Fidelity Investments, a role she has held since 2026. In this capacity, she works directly with clients to provide financial planning and guidance tailored to their individual needs. She has been with Fidelity Investments since 2022, progressing through several roles including Customer Relationship Advocate, Investment Solutions Representative I, and Investment Solutions Representative II. Through these positions, Mona has developed expertise in client relationship management and investment solutions. Outside of her professional work, Mona enjoys art, spending time at the beach, social events with friends, and traveling.

Daniel Hughes is a Financial Advisor specializing in wealth management strategies at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial plans aligned with their goals and changing market conditions. Daniel leverages the investment insights of Merrill and the banking services of Bank of America to support clients' financial objectives. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Daniel completed his high school education at Wildwood High. His approach emphasizes understanding what matters most to clients and their families to help create effective strategies aimed at pursuing their financial goals.

Darrin Jones is a financial advisor at Charles Schwab with a Series 65 credential. He joined Schwab in 2025 and has prior experience working at Lockheed Martin and Florida Financial Advisors. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Fiona Walker is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2020. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also provides institutional consulting and public finance services with a range of tailored advisory programs.

Michael Curatolo is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63, 65, and 66 credentials and has been affiliated with GeorgetownTown Capital Group and OSAIC since 1990. His experience includes recommending asset allocation for client portfolios through associated firms. OSAIC Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations, providing brokerage and advisory services supported by a range of investment tools, third-party managers, and platform solutions.

Daniel Raulerson is a financial advisor with Wells Fargo Clearing in Ormond Beach, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2013. Outside of his advisory role, he owns and operates a DJ services business and is involved in several delivery and shopping services including Doordash, Instacart, and Uber. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm follows an IPS-driven advisory process grounded in modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Vickie Lacroix is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and Bbtis since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Gonzalez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities since 2019. Prior to that, he was employed at JPMorgan Chase Bank, N.A., and has experience outside the financial sector with a company called av guys. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

John Neenan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and having 22 years of industry experience. He previously worked at Euro Pacific Capital, Inc. for 12 years before joining Wells Fargo Clearing in 2025. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

John Beavers is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with business owners, corporate executives, and affluent families to develop and implement personalized wealth management plans. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, portfolio management services, tax minimization, and personal retirement planning. John began his financial advising career in 1998 and joined Merrill and its predecessor firm Banc of America Investments in 2002. He has an extensive background in customized client investment portfolios, budgeting, cash flow analysis, wealth transfer strategies, fixed income portfolios for income, retirement planning, and cash management and lending through Bank of America, N.A. He holds a Bachelor’s degree and an M.B.A. from Stetson University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. John resides in Orlando with his wife Natalie and their two children. He is active in the local community and volunteers across several organizations. Outside of work, he enjoys golfing, skiing, traveling, and spending time with his family.

Jeffrey Ramsey is a financial advisor at LPL Financial with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Atlantic Capital Advisors since 2013, Independent Financial Partners from 2015 to 2018, and LPL Financial since 2010. His other business activities include selling fixed annuities under Atlantic Insurance Group. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Rob Tyner is a Financial Consultant at Fidelity Investments, a position he has held since 2021. In this role, he serves as a primary financial partner to his clients, helping them navigate the financial landscape and develop customized plans tailored to their goals and preferences. Prior to becoming a Financial Consultant, Rob held various roles at Fidelity Investments, including Investment Consultant (2019-2021), Relationship Manager (2019), Central Relationship Manager (2018), Investment Solutions Representative (2017-2018), High Net Worth Representative (2017), High Opportunity Representative (2016-2017), and Financial Representative (2016). Throughout his tenure at Fidelity Investments, Rob has gained experience in investment consulting, relationship management, and client services. His approach focuses on understanding clients' full financial situations and assisting them in making complex financial decisions manageable. This experience underpins his current work in providing personalized financial consulting services.