John Romano is a CFP® professional affiliated with OSAIC, with 44 years of industry experience. He previously worked with Securities America Advisors, Inc. and Securities America, Inc. for 26 years and has been involved with Senior Capital Services for over 30 years. Romano is the author of the book *Distribution Strategies for Retirement*. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various investment types.

Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing 12 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Sarah Payne is a financial advisor with Ameriprise in Tavares, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she serves on the Board of Directors and as Secretary for New Vision for Independence, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Trevor Hubbard is an Investment Consultant at Fidelity Investments. In his role, he partners with new and existing clients to assist with retirement planning and provide investment guidance. He has experience working as a Financial Representative at Fidelity Investments from 2023 to 2026 before advancing to his current position in 2026. The biography does not include information about his education, credentials, personal interests, or community involvement.

Celestin Martin is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he collaborates with clients to develop personalized financial plans that align with their individual goals and unique financial situations. He emphasizes clarity, relevance, and actionable strategies in his approach to financial consulting. Prior to joining Fidelity, Celestin worked as a Financial Consultant Partner at Charles Schwab from 2017 to 2020. His professional experience encompasses advising clients on financial matters and helping them navigate their financial objectives. Outside of his professional career, Celestin has interests in boating, fitness, parenthood, sailing, soccer, and traveling.

Samantha Cook is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has built her career at Fidelity over 19 years, holding roles including Financial Consultant, Relationship Manager, Investment Solutions Representative, Financial Representative, Defined Benefits Representative, and Workplace Service Associate. Her professional experience encompasses a broad range of responsibilities within the financial services industry, with a focus on helping clients work toward their investment goals. Samantha emphasizes a team approach to creating a comfortable lifestyle for clients throughout their retirement years. Outside of her professional role, Samantha is engaged in family activities, fitness, photography, running, traveling, and volunteering.

Richard Gant is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 28 years of industry experience, including prior roles at NBC Securities, CenterState Bank, South State Bank, Colonial Asset Management, Gunnallen Financial, and TD Ameritrade. Gant has ongoing ties to CenterState Bank and South State Bank through financial institution duties related to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, including model portfolios and institutional platforms, supported by a network of over 22,800 advisors.

Stephany Slysofski is a financial advisor at Thrivent Investment Management with two years of industry experience. She holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2023. Prior to her financial career, she was involved with Trick Shots Inc. for 17 years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through financial advisors. The firm offers holistic, goal-based planning across various topics, allowing clients to combine planning with managed-account programs while keeping services separate.

Gabriel Roque is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Schwab, he worked at Trinity Wealth Securities and Florida Financial Advisors. His background includes several years dedicated to full-time education before entering the financial sector. Charles Schwab 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Dalton Garrison is a Series 66 licensed financial advisor with eight years of industry experience. He is currently affiliated with Cetera and has prior experience with Summit Financial Group and LPL Financial LLC, among others. He also operates Garrison Wealth Management, P.A. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, providing various program structures and investment strategies.

Jeffrey Stephan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Mutual Service Corporation and Walnut Street Advisers Inc. Stephan serves on the board of the Lake Eustis Chamber of Commerce and is an active musician with The Porch Band. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research and operational tools.

John Glendinning is a financial advisor with Morgan Stanley in The Villages, FL, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and previously at Bank of America, N.A. and Merrill Lynch from 2016 to 2020. Outside of his advisory role, he is a partner in Troika Vending LLC, a wholesale and distribution business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and invests based on analyses from its Global Investment Committee while offering both retail and institutional investment solutions.

Clay Palmer is the Senior Resident Director of The Villages Branch Office at Merrill Lynch and serves as a senior advisor for The Palmer Group. He has been with Merrill Lynch Wealth Management since 2008, focusing on portfolio construction, client reviews, and preparing retirement analyses for clients. Clay works with affluent families, individuals, and successful business owners in Central Florida, providing financial strategies and wealth management services. Before joining Merrill Lynch, Clay held various engineering and project management roles at Progress Energy, Florida. He holds a Bachelor's degree in Mechanical Engineering from Auburn University and earned a Master's degree in Business Administration from the University of Central Florida. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Clay resides in Lady Lake with his wife Jennifer and their children. His team focuses on understanding clients' financial lives in total, helping develop personalized financial and retirement income strategies, addressing estate planning needs, and advising on elder care, wealth preservation, and transfer strategies.

Anthony Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has concentrated on portfolio analysis and the development of customized wealth management plans, including social security planning. Anthony specializes in family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor’s Degree in Business Administration from the University of Central Florida and has earned several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raised in Lady Lake, Florida, Anthony resides in Wildwood with his wife Kate and their children, Rylie and Bryson.

William Konchal is a financial advisor with Raymond James & Associates based in Grand Island, FL, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has been with Raymond James & Associates since 2004. 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, institutional investors, and charitable organizations, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management styles and affiliated research.

Patrick Fross is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2018 and previously worked at SII Investments, Inc. and Fross & Fross Financial. He also serves as Vice President and Wealth Advisor at Fross and Fross Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational purposes.

Jeananne Niemann is a CFP®-designated financial advisor with Edward Jones in Leesburg, FL, where she has worked since 2007, accumulating 18 years of industry experience. She holds the Series 66 license and has an inactive partnership in a boat delivery business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients through a large national network, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Leslie Rodriguez is a financial advisor at Charles Schwab with 27 years of industry experience. She holds the Series 63 and Series 66 designations. Her tenure at Charles Schwab spans from 1999 to the present, including roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab Bank. 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 affiliated discretionary SMA portfolios and a structured alternative investments program.

Alejandra Torres is currently a Planning Consultant at Fidelity Investments, where she collaborates with clients and Financial Consultants to develop and maintain customized financial plans tailored to clients' short- and long-term goals. She emphasizes understanding clients' priorities and works closely to identify strategies aligned with their objectives. Alejandra focuses on building and maintaining strong relationships through ongoing plan reviews and consistent communication. Her professional experience includes roles as a Relationship Manager and Financial Services Representative at Fidelity Investments, as well as a Personal Banker at Wells Fargo Bank. These positions have provided her with a foundation in financial services and client relationship management. Outside of her professional work, Alejandra enjoys food, tennis, and traveling.

Jason Spatafora is a Series 66-credentialed financial advisor with seven years of industry experience. He is currently with Edward Jones in Groveland, FL, where he has worked since 2017 across multiple roles and firms, including Suncoast Credit Union, CUNA Brokerage Services, Regions Bank, Pruco Securities, and Ameriprise Financial Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.