Joshua Moraski is a financial advisor at Nightgale Wealth Management LLC in Schenectady, NY, holding Series 65 and Series 66 designations with one year of industry experience. Prior to his current role, he worked as an independent insurance agent for RIA Insurance Solutions, a division of Financial Independence Group (FIG). Nightingale Wealth Management LLC provides discretionary asset management and financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm customizes investment programs based on clients’ goals, time horizons, and risk tolerances, utilizing fundamental and technical analysis along with Modern Portfolio Theory.

Stacie Skryz is a CFP® professional with nine years of industry experience, currently serving as the sole advisor at Lechner Associates since 2014. She is based in North Attleboro, MA, and focuses on comprehensive financial planning and wealth management. Lechner Associates is an independent, fee-only firm that serves approximately 125 clients with $94 million in assets under management. The firm provides non-discretionary portfolio management tailored through fundamental analysis and retirement modeling, offering both ongoing wealth management and hourly financial consultation services.

Byron Spain is a CFA® charterholder and the sole advisor at Savi Finance, an independent firm based in San Francisco, CA. He has no prior industry experience before founding Savi Finance in 2025 but held various roles in organizations including Claritas Rx, Bravado Network, and ProductPlan. Outside of his advisory role, he was involved with UC Irvine Recreation from 2016 to 2019. Savi Finance provides discretionary investment management, retirement planning, and financial planning services primarily to individuals and high-net-worth clients. The firm employs a passive, evidence-based investment approach mainly using ETFs and model portfolios, with a subscription and hourly fee structure instead of asset-based fees.

Alan Anderson is a CFP® professional with 18 years of industry experience. He has led Yavapai Financial Planning, L.L.C. in Prescott, AZ since 2012. Yavapai Financial Planning, L.L.C. is an independent, fee-only firm serving individuals, trusts, estates, businesses, and charitable organizations. The firm emphasizes non-discretionary asset management using institutional mutual funds and ETFs, incorporates scenario analysis and stress testing in its investment approach, and offers financial planning and consultation through hourly or fixed-fee engagements.

Minh Tran is a financial advisor at Lone Wolf Wealth Management in Ontario, CA. He holds Series 63 and 66 licenses and has experience working with Northwestern Mutual and International Tran Corp. His current role at Lone Wolf Wealth Management started in 2026. Lone Wolf Wealth Management serves individuals, families, small business owners, and employer retirement plan sponsors by providing investment management, comprehensive financial planning, and consulting. The firm focuses on customized portfolio construction, pension consulting, and includes charitable giving strategies within estate planning.

Robert Maher is a CFA® charterholder and financial advisor at Virgil Wealth Advisory with seven years of industry experience. He has previously worked at J.P. Morgan and First Data. Outside of his advisory role, he serves as Head of Ventures at National Veterinary Associates, where he focuses on developing innovative partnerships. Virgil Wealth Advisory provides investment management and financial planning services to individuals, high-net-worth clients, and small businesses. The firm employs a primarily passive investment approach using index mutual funds and ETFs, supplemented by fundamental analysis, and offers tailored portfolio management along with comprehensive financial planning and estate-planning assistance.

Mark Wilson is a financial advisor based in Pebble Beach, CA, with 11 years of industry experience. He holds a Series 65 designation and operates his own firm, Wilson, Mark Henry. In addition to his advisory work, Wilson maintains a full-time CPA accounting practice and is a part-time California real estate broker. He has served on the Monterey Peninsula Airport District since 2022. Wilson, Mark Henry provides comprehensive financial planning and related services to individual clients, including retirement and education planning, tax preparation, and estate-document review. The firm combines financial planning with an active accounting practice and affiliated real estate brokerage, using fundamental analysis for investment advice and billing on an hourly or fixed-fee basis without managing client assets or recommending specific securities.

Stephen Schulmerich is a CFP® professional with 37 years of experience in the financial industry. He is the principal of Schulmerich & Associates Asset Management, LLC, where he has worked since 1993. Schulmerich also holds Series 63 registration and is active as an insurance agent. Schulmerich & Associates Asset Management provides discretionary asset management and fiduciary services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporate entities, and qualified retirement plans. The firm emphasizes Modern Portfolio Theory, strategic asset allocation, diversification, and uses passive/index funds alongside fundamental analysis for security selection.

Thomas Cooper is a financial advisor at ZUNA, LLC in Bend, OR, holding Series 63 and Series 65 licenses with 10 years of industry experience. He previously worked at Northwest Fiduciary Consultants, LLC and Pension Planners Northwest. ZUNA serves defined contribution and defined benefit retirement plans, corporations, and charitable organizations by providing fiduciary and non-fiduciary retirement plan services, including investment menu selection, model portfolio construction, and vendor oversight. The firm’s investment approach combines fundamental, interest-rate, and economic analysis to create diversified portfolios using active and passive funds, ETFs, and mutual funds, supported by ongoing investment committee oversight.

Jeff Mitchell is the principal of JRM Capital Management Inc., an independent advisory firm based in Mitchellville, MD. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. Prior to founding JRM Capital Management in 2003, he has been associated with Lifemark Securities Corp. since 2009. JRM Capital Management provides investment advisory and financial planning services to individual and institutional clients, including pension plans, trusts, and charitable organizations. The firm employs both fundamental and quantitative analysis to manage portfolios across various asset classes and offers specialized pension consulting services alongside unique engagement models such as performance-based fees and subscription publications.

Jeffrey Yoffe is the principal of Yoffe Investment Management, LLC, an independent firm based in Lemoyne, PA. He holds legal credentials and has 11 years of experience in investment management, alongside over three decades as an attorney operating his own law firm, Yoffe & Yoffe, P.C. His legal practice is a notable aspect of his professional background. Yoffe Investment Management, LLC provides investment management and financial planning services to individuals, trusts, estates, and charitable organizations. The firm employs a long-term investment approach based on Modern Portfolio Theory and offers integrated tax and financial planning, estate planning, and family philanthropy services.

Bentley Makkar is a ChFC® credentialed financial advisor with two years of experience, currently serving as the sole advisor at Get Rich Slowly LLC in Bellevue, WA. His professional background includes roles at Washington Permanente P.C. and Presbyterian Healthcare Services, along with involvement in The Makkar Group of Companies. Get Rich Slowly LLC provides portfolio management and investment advisory services, combining personal financial planning with U.S. federal tax planning for a diverse clientele, including individuals, professionals, business owners, charitable organizations, and trusts. The firm employs a long-term, passive investment approach focused on low turnover and tax efficiency, offering discretionary managed accounts with an emphasis on tailored advisory subscriptions.

Richard Komarek is a Certified Financial Planner® with 18 years of experience, operating his independent firm, Ric Komarek, CFP, in Redding, California. He has served as a class instructor at Shasta College since 2015 and is also licensed as a life and health insurance agent. His career includes managing his own advisory practices since 2007. Ric Komarek, CFP provides financial planning, consulting, and investment advice to individuals, families, and business owners. The firm manages approximately $26 million in assets and offers tailored portfolio management focused on diversified investments, operating on a fiduciary, non-discretionary basis with an emphasis on risk management and client approval.

Richard Newman is a financial advisor at Lava Wealth Management, LLC in New York, NY, holding a Series 65 designation with five years of industry experience. He has been with Lava Wealth Management since 2013 and also maintains a long-term affiliation with Atlantis Associates. Outside of his advisory work, Mr. Newman serves on the boards of two early-stage companies, Overgrad.com and Zive Inc., and is an investor in both. Lava Wealth Management provides discretionary investment management, comprehensive wealth management, and consulting services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm employs fundamental and strategic analysis to construct diversified, tax-aware portfolios and offers services to corporate clients and private placement advice, distinguishing it among independent advisors.

Chad Butler is a financial advisor with Harvest Lane Investment Partners, LLC, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Global Retirement Partners, Transamerica Capital, Voya Investment Management, and John Hancock Advisers. Outside of advising, he serves as a Notary Public in Sandy, Utah. Harvest Lane is an independent advisory firm offering discretionary portfolio management and integrated financial planning to individuals, families, trusts, charitable organizations, and small businesses. The firm’s investment approach features a diversified core allocation combined with a value-oriented equity sleeve, incorporating managed-futures funds, stressed/distressed debt, and the use of AI tools to support research and operations.

Valeria Arnold is the sole advisor at Vaarco Financial, LLC in Atlanta, GA, holding Series 63 and Series 65 licenses with 21 years of industry experience. She previously worked at Valic Financial Advisors from 2023 to 2024 and has been with Vaarco Financial since 2003. Vaarco Financial is an independent registered investment adviser providing portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm uses a mix of fundamental and technical analysis to construct portfolios across a range of strategies tailored to client-specific factors such as risk tolerance and income needs.

Micah Reish is the sole advisor at Crestone Financial Advisors, LLC, an independent firm based in Broadway, VA. He holds a Series 66 designation and has 15 years of industry experience, including 14 years with Crestone Financial Advisors. Outside of his advisory role, he is the owner of Mercy Enterprises, an automotive repair business. Crestone Financial Advisors is a fee-only firm serving individuals and small businesses with personalized financial planning and investment management. The firm employs a combination of fundamental, technical, and cyclical analysis and offers both discretionary portfolio management and non-discretionary consulting for areas such as tax, insurance, retirement, and estate planning.

Kathryn Song is a CFP® with 14 years of industry experience and holds a Series 63 license. She is the founder of Katy Song Financial Planning, Inc., a fee-only financial planning firm based in Mill Valley, CA, and has previously worked at Domain Money Advisors, LLC and SoFi Wealth LLC. Katy Song Financial Planning serves individuals and families by providing comprehensive financial planning and investment consultation without discretionary portfolio management. The firm employs fundamental analysis and Modern Portfolio Theory, typically recommending low-cost index funds and ETFs, and operates on a fixed-fee and hourly billing model rather than charging based on assets under management.

Gary Hughes is the principal advisor at Hughes Wealth Management Incorporated in Hermosa Beach, CA. He holds Series 63 and Series 66 designations and has 33 years of industry experience. Prior to founding his firm in 2022, he worked at Concorde Asset Management, LLC and Concorde Investment Services, LLC for nine years. In addition to his advisory work, he is a licensed independent insurance agent. Hughes Wealth Management provides portfolio management, financial planning, pension consulting, and access to alternative investments and private placements for individuals, high-net-worth clients, retirement plans, and business entities. The firm employs a combination of fundamental, technical, and economic analysis to implement investment strategies and may engage sub-advisers, managing accounts mostly on a non-discretionary basis.

John Dittrich is a financial advisor with Dittrich Financial Group LLC in Springfield, MO, holding a Series 66 designation and 15 years of industry experience. He has held roles at multiple firms including Strategic Wealth Group Registered Investment Advisor and Premier Choice Accounting. In addition to his advisory work, Dittrich serves as a Tax & Accounting Manager at Family Tax Service. Dittrich Financial Group LLC provides discretionary and non-discretionary asset management and hourly financial planning primarily for individual and high-net-worth clients. The firm employs individualized investment strategies incorporating fundamental analysis, charting, and Modern Portfolio Theory, with services that include portfolio construction, retirement and estate planning, and tax-reduction analysis.