Kristin Lane is a financial advisor with Raymond James & Associates in Orlando, FL, holding a Series 66 designation and 13 years of industry experience. She worked at Ameriprise Financial Services, Inc. from 2010 to 2019 before joining Raymond James in 2019. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services.

Robert O Roark is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with J.P. Morgan Securities and has held prior roles at JP Morgan Chase Bank, Bank of America, Target, Chase Investment Services Corp., and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm utilizes centralized due diligence and combines quantitative and qualitative research to support its advisory process.

Zainab Smith is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2022. She is dedicated to providing personalized and attentive financial planning services tailored to each client's needs. Zainab's career at Fidelity Investments began in 2020, progressing through roles including Customer Relationship Advocate and multiple levels of Workplace Planning Consultant before assuming her current position. She holds a California Insurance License, supporting her expertise in financial consulting. Outside of her professional work, Zainab has interests in fitness and caring for pets.

Patrick Murphy is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2015. Based in Orlando, FL, he is part of a large team of advisors within the firm. Charles Schwab serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by in-house research.

David Santillo is a financial advisor with Primerica Advisors in Orlando, FL, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has been with Primerica Advisors since 2007 and Primerica Financial Services since 2006. Outside of his advisory role, he is involved in construction through Christie Lites Enterprises, LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and delegates model implementation to BNY Mellon Advisors, operating with a tiered wrap-fee structure rather than fixed fees.

Clinton Ball Sr. is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets Inc, Wells Fargo Clearing, and A.G. Edwards & Sons. His professional activities include managing a trust in Eustis, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Paul Gillham is a financial advisor at Osaic with 30 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Securities America Advisors and Eagle One Investments. Outside of his advisory role, he owns and operates a small insurance sales business and an identity theft prevention service. Osaic Wealth serves a diverse client base including individual investors, retirement plan participants, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization.

Vanessa Irizarry is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab since 2007. Charles Schwab & Co., Inc. serves a large clientele 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 and discretionary investment solutions supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Diego Molina is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at Cricket Wireless and various educational positions. 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 investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Whitney Hawkins is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2021 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is involved with the Heritage Foundation in a nonprofit capacity. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-supported planning process.

Daniel Hendricks is a financial advisor with LPL Financial in Orlando, FL, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Raymond James Financial, Level Four Financial, Citigroup Global Markets, Verity Investments, BB&T Securities, PRUCO Securities, and Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation approaches.

Courtney Leone is a financial advisor at Merrill in Orlando, FL, holding a Series 66 designation with four years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2021, and previously spent 12 years at RUE21. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Leticia Clough is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked within various Fidelity divisions since 2008. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm’s investment approach integrates fundamental research with quantitative analysis and algorithmic portfolio construction.

Marcus Healey is a financial advisor with Cambridge Investment Research Advisors in Orlando, FL, holding a Series 66 designation and bringing 24 years of industry experience. Prior to joining Cambridge in 2024, he worked for over two decades at Equitable Advisors and Axa Advisors. Outside of his advisory role, Healey is involved in managing a family real estate business. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Austin Zoellner is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity since 2011, progressing through various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. His professional experience encompasses working closely with families, business owners, and individuals to pursue financial success. Austin focuses on partnering with clients to understand their unique financial situations, developing customized strategies aimed at achieving long-term financial stability. He emphasizes ongoing discussions with clients to ensure their financial plans remain aligned with their goals throughout different stages of life. Outside of his professional work, Austin's interests include family activities, fitness, football, parenthood, traveling, and volunteering.

Vicky Delhaye is a financial advisor at Charles Schwab with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Charles Schwab entities since 1998, including Charles Schwab Bank and Charles Schwab Bank, SSB. 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 financial planning services. Schwab offers both non-discretionary and discretionary investment management options, employing multi-asset model portfolios and a centralized, integrated operational structure.

George Miller is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 63 designation and 43 years of industry experience. He has worked at Charles Schwab since 1991 and spent six years at optionsXpress, Inc. prior to that. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

Rachel Thompson is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 16 years of industry experience. She has previously worked at TD Ameritrade and Financial Engines Advisors L.L.C. 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 offers a range of multi-asset model portfolios and alternative investment options.

Maria Ramirez is a financial advisor at Merrill with 29 years of industry experience. She holds a Series 66 designation and has worked at Merrill for a total of 15 years, with a two-year gap in between. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jose Delgado is a financial advisor with Ameriprise in Winter Park, FL, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Outside of his advisory role, he is co-owner of Practice Solutions Consolidated Group, LLC, which manages his Ameriprise business. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions supported by a centralized retirement-income consulting team that uses research, modeling, and tax-efficiency analysis to generate tailored recommendations.