Lynda Siegel Smith is a Series 66-licensed advisor with Merrill in Orlando, FL, where she has worked since 1999, accumulating 24 years of industry experience. Outside of her advisory role, she consults part-time with Younique LLC, a direct sales company specializing in makeup and beauty products. 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 clients including individuals, high-net-worth investors, and institutions.

Jean Vila Vilella is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Donald Schultz is a financial advisor with RBC Capital Markets in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with RBC Capital Markets since 2008 and has also worked at City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies that incorporate multiple portfolio management options and integrate in-house and third-party investment managers.

Gregory Velho is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent six years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. 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.

Christina Mobley is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked with PFS Investments Inc. since 2014 and has longstanding ties to Primerica entities dating back to 1998. Outside of her advisory role, she is self-employed as a tutor and owns Orlando Creative, a non-investment-related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Justin Selig is a Financial Consultant currently with Fidelity Investments, a role he has held since 2021. He collaborates with clients to develop customized financial plans tailored to their objectives, continuously adapting these plans to accommodate changes in life circumstances and financial markets. Justin's professional experience includes serving as Vice President and Financial Consultant at Charles Schwab & Co. from 2016 to 2021, following his tenure as an Associate Financial Consultant at the same firm from 2015 to 2016. Prior to that, he held positions at Fidelity Investments as an Investment Solutions Representative and Financial Representative in 2014 and 2015. He holds a California Insurance License.

Camoy Kotlyarov is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at J.P. Morgan Securities LLC since 2019, with prior experience at American Income Life. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

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.

Tina Miller is a financial advisor at Merrill with 19 years of experience at the firm and holds a Series 66 designation. She serves as a board member for Seniors First Inc., a nonprofit organization focused on senior health programs and meals on wheels. 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, and institutions.

Lana Bull is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds the Series 66 designation and previously worked at Charles Schwab from 2015 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

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.

Melody Price is a financial advisor with Raymond James & Associates in Winter Springs, FL, holding a Series 66 designation and 20 years of industry experience. She previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2024. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and consulting through various advisory programs and institutional fiduciary solutions.

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.

Jennifer Herzog is a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she works closely with clients to develop personalized financial strategies tailored to their individual goals and changing market conditions. Jennifer leverages investment insights from Merrill and the banking and lending resources of Bank of America to support her clients' wealth management needs. Jennifer holds a Bachelor's and a Master's Degree from Florida State University. She has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Committed to the community, Jennifer participates in volunteer activities with local organizations, reflecting the Merrill tradition of community involvement.

David Green is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Outside of advising, he has involvement in commercial real estate ownership. 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, offering a range of financial planning and advisory programs with both discretionary and non-discretionary management.

Kok Leng Tiew is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds a Series 66 license and is based in Casselberry, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated investment products.

Howard Harris Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing decades of experience in providing wealth management services. He began his career with Merrill Lynch Wealth Management in 1986 in Miami, Florida, before relocating to Orlando, Florida in 1993. Throughout his career, Howard has held various roles, including sales manager and Senior Resident Director in the Orlando and Winter Park offices, a position he held for over 10 years until 2009. Howard specializes in developing goals-based wealth management strategies tailored for high-net-worth individuals, their families, and their businesses. He employs a range of financial tools such as Tax Free Municipal Bond Portfolios, Managed Portfolio Strategies, Liability Management, and Estate Planning Services to offer a comprehensive approach to his clients' financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree in Finance and Business Management from the University of Miami. Residing in Winter Park, Florida with his wife Suzy, Howard is an avid golfer and is active in several local charities, including Habitat for Humanity and the Boys and Girls Club of Central Florida.

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.