Kristina Halverson is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo in 2025, she worked at The Advisory Group from 2021 to 2025 and has experience with the U.S. Census Bureau. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in their investment menus.

Satyanand Lutchmidat is a financial advisor at Charles Schwab in Orlando, FL, holding Series 63 and Series 66 credentials with 29 years of industry experience. He has been with Charles Schwab since 2007. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary managed-account services. The firm emphasizes multi-asset model portfolios, integrated custody and brokerage, and access to alternative investments through its scale and centralized operations.

Ryan Wyatt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he co-owns AMI Beach Dreams, LLC with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christine Pinto is a financial advisor at Fidelity with 11 years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Raymond James Financial Services and Cowen Execution Services. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and oversees multiple registered investment companies and fund-of-funds.

Hussain Contractor is a financial advisor with Cambridge Investment Research Advisors in Orlando, FL, holding Series 63 and Series 65 credentials and having 10 years of industry experience. His prior experience includes roles at Voya Financial Advisors, Inc., the American College of Financial Services, and Mass Mutual Investors Services. Outside of advisory work, he is an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory through a network of independent professionals, employing a range of portfolio management strategies across multiple platforms.

Christopher Strickland is a financial advisor at OSAIC with eight years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining OSAIC in 2024, he worked at Triad Advisors, Equitable Advisors, and Axa Advisors. Outside of his advisory role, Strickland teaches a personal finance course for the Wesley Foundation at the University of Central Florida. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios that include various investment vehicles and supports multiple advisory platforms.

Lisa Stewart is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 63 and Series 66 licenses and 27 years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. She also serves as a trustee for several trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Elvis Abreu is a financial advisor with Fidelity, holding Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at the Office of Healthy Aging and Rhode Island College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Nichole Leland is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and previously worked at Bank of America for twelve years. Outside of her advisory role, she operates a resale clothing business and works as an independent contractor in electricity sales. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered through intermediary platforms.

Josephine Oliva is a financial advisor at Robert W. Baird & Co. with 25 years of industry experience. She holds the Series 66 designation and has been with Robert W. Baird since 1993. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers a range of consulting and portfolio services, tailoring investment strategies to client goals and risk tolerances through various management approaches and overlays.

Barbara Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, and addressing the financial needs of women. Barbara is dedicated to providing personalized wealth management strategies that align with her clients' life priorities and goals. With over 40 years of experience working in retirement communities, Barbara understands the importance of considering longevity risk in portfolio allocation. She holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and earned a Bachelor's Degree from Arizona State University. Barbara is also involved with Junior Achievement, serving as a Financial Literacy Mentor. In addition to her professional work, Barbara spends time volunteering in the community. Her personal interests include cooking, ice hockey, traveling, and writing.

Thomas Bray is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and six years of industry experience. Prior to joining Cetera, he worked at Disney for five years. Outside of his advisory role, he owns a business raising and selling corals and tropical fish online. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary strategies.

Matthew Douce is a financial advisor at Mass Mutual Investors Services with 13 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at Mass Mutual Investors Services since 2017, following a role at Metlife Securities from 2015 to 2017. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a structured, collaborative approach to financial planning using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

Adad Bauger is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Bank of America, Truist Investment Services, Regal Securities Inc, and McCoy Federal Credit Union. 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, and institutional investors.

Dexter Grafton is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill from 2013 to 2024. Outside of his advisory role, he is involved in business ownership with Archelyst and WildWondri, which provides educational services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management strategies supported by research and model portfolios.

Jeffrey Crawford is a financial advisor with Edward Jones in Orlando, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory services 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 large national network of advisors and branch offices.

Joseph Russell is a Certified Financial Planner (CFP®) with 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2010. Charles Schwab & Co., Inc. serves a large 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Lucas Fray is a financial advisor at Charles Schwab in Orlando, FL, holding Series 63 and Series 65 licenses with seven years of industry experience. He has been with Charles Schwab since 2017, with a brief employment gap in 2021. Prior to his advisory career, he worked at the University of Central Florida for five years. Charles Schwab & Co., Inc. serves a large 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 advisory recommendations and access to discretionary separately managed accounts using multi-asset model portfolios and due diligence on alternative investments.

Isabelle Otero is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A., Merrill, SunTrust Bank, and SunTrust Investment Services, Inc. during her career. 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 supported by internal CIO teams and third-party managers for a range of clients including individuals and institutions.

Mark Schirmer is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2017, including time at Charles Schwab Bank, SSB, as well as prior roles at Bank of America and Merrill. He is based in Orlando, Florida. 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 advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios supported by research from the Schwab Center for Financial Research.