Michael Globenfelt is a CFP® with 20 years of industry experience. He is currently with Schwab Wealth Advisory Inc., having worked within the Charles Schwab organization since 2020 and previously with USAA Financial Advisors for nine years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm employs standard asset allocation models and Schwab research tools to guide investment recommendations while allowing clients to make final trading decisions.

Digna Feliciano is a financial advisor at GWN Securities Inc. with 23 years of industry experience. She holds a Series 66 designation and has been with GWN Securities since 2015. Outside of her advisory role, she has served as a member at large and chapter treasurer for the Delta Tau Lambda Sorority, Inc. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm is known for its range of managed-account programs and distinctive use of legacy market-timing and momentum-based strategies.

Jason Webster is a financial advisor at Sanctuary Advisors, LLC with one year of industry experience. He holds Series 65 and Series 63 licenses. Prior to his current role, he worked at Sanctuary Securities, Inc., Alluvial Private Wealth, the US Postal Service, and served in the US Naval Reserve. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base including individuals, corporations, pension plans, trusts, and charitable organizations through a network of over 400 independent advisers. The firm offers portfolio management, financial planning, retirement plan consulting, and uses a variety of analytical approaches with discretionary and non-discretionary management options.

Guy Thomas is a financial advisor with Transamerica Financial Advisors, holding a ChFC® designation and Series 63 license, with 31 years of industry experience. His career includes roles at Massachusetts Mutual Life Insurance Company and Nexa Mortgage, LLC, where he currently works as a mortgage loan originator. In addition to his advisory work, he is involved in commercial real estate brokerage and advisory services. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm utilizes a model portfolio approach with third-party managers and digital platforms to deliver investment advisory and retirement plan services.

Michael Bratsztein is a CFP® professional with 32 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2021. His prior roles include positions at Charles Schwab and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset types. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools while leaving final trading decisions to clients.

Chester Blackmon is a financial advisor at AE Wealth Management, LLC with seven years of industry experience. He holds a Series 65 designation and has worked at firms including Trident Retirement Group, Horter Investment Management, Big Financial Services, and Accurate Advisory. Outside of his advisory role, he is the owner of Trident Retirement Group, which involves insurance sales and services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining various model portfolios and discretionary management, supporting advisors with internal consulting and model licensing programs.

Caleb Johnson is a financial advisor with Empower Advisory Group in Gibsonton, FL. He holds Series 66 and Series 63 licenses and has nine years of industry experience. His career includes roles at Prudential Investment Management Services LLC and Prudential Insurance Company of America prior to joining Empower. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and annual rebalancing within an integrated model linked to Empower’s recordkeeping and administrative platforms.

Thomas Brophy is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 credentials and 14 years of industry experience. His career history includes roles at Penn Mutual Life Insurance Co., THE O.N. Equity Sales Company, and Ohio National Financial Services. Outside of his advisory work, Brophy is actively involved in insurance brokerage through multiple business entities, focusing on life, accident, health, and annuity products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

John Hall is a financial advisor with Truist Advisory Services in Lakeland, FL, holding the CFP® designation and Series 63 and 65 licenses. He has 21 years of industry experience, including roles at SunTrust Bank and its affiliated advisory and investment services prior to Truist. He serves as a board member on the WEDU PBS Community Advisory Board, participating in programming discussions. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Erik Ronne is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with T. Rowe Price Investment Services Inc. since 2008. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs model allocations with tax-aware rebalancing and offers an interactive online planning tool along with telephone access to advisors.

Kenneth Taylor is a financial advisor with Transamerica Financial Advisors in Tampa, FL, holding Series 65 and Series 63 licenses and possessing eight years of industry experience. Prior to his current role, he has worked with organizations such as Netlaw and Hillsborough County Public Schools, where he also teaches business technology to high school students. He is president of Gitasuccess Incorporated, through which he manages financial services and plans to offer tax planning and preparation. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm provides both advisory and broker-dealer services with a range of proprietary and third-party investment models, managing roughly $2.1 billion in assets as of December 2025.

Edward Palacios is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at PNC Investments since 2016. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm uses algorithm-driven risk assessments to implement investment strategies via mutual funds and ETFs, with portfolio management delegated to third-party providers.

Jose Manuel Veras Gonzalez is a financial advisor at PNC Wealth Management with three years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, Bank of America, Merrill, and Charles Schwab. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account that uses algorithmic risk assessments and third-party managed portfolios composed of mutual funds and ETFs.

Nicholas Campbell is a financial advisor with First Command Advisory Services in Riverview, FL, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has worked with First Command and its affiliated entities continuously since 2006. Outside of his advisory role, he is involved with BNI as a professional development instructor, providing training to members on presentation and chapter development. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporations, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs managed by an internal Investment Management Team and Wealth Portfolio Managers, using platforms such as Envestnet and Pershing.

Stephen Duganieri is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. His prior work includes roles at Nationwide Investment Services Corp, MML Distributors, LLC, and Massachusetts Mutual Life Insurance Company. He has also been affiliated with Transamerica Investors Securities Corporation and Transamerica Life Insurance Company since 2022. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through a range of advice programs that focus on asset allocation, contribution rates, and retirement age guidance. The firm’s investment approach incorporates proprietary software and model portfolios developed in partnership with Morningstar Investment Management, offering both managed and non-discretionary recommendations to a client base of over 200,000.

Christie Morrison is a ChFC® and Series 66-licensed financial advisor with two years of industry experience. She is currently with Truist Advisory Services and previously worked at Edward Jones. Outside of her advisory role, she is involved with Fleet Feet, a retail business specializing in running shoes and apparel, where she fits customers for footwear. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses both discretionary and non-discretionary manager relationships supported by third-party platforms and emphasizes inter-affiliate integration within the Truist enterprise.

Charmaine Earlington Wong is a financial advisor with Truist Advisory Services, holding Series 65 and Series 63 credentials and bringing 24 years of industry experience. She has been with SunTrust Advisory Services LLC and related SunTrust affiliates since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Donald Dupont Jr. is a CFP®-designated financial advisor with 18 years of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2022, and has prior experience at Charles Schwab, USAA Investment Management Company, and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and focuses on delivering advice without discretionary trading authority, distinguishing its service approach from many other enterprise wealth managers.

Gunnar Gavin is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has been with Bankers Life Advisory Services since 2018 and has worked in various roles within affiliated entities since 2007. Outside of advisory work, he serves as treasurer of a condominium association and is a partner in self-storage rental businesses. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary and non-discretionary portfolio management, as well as retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with client goals and risk tolerances.

Janet Spector is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 licenses. She has 40 years of industry experience, having worked at NYLife Securities LLC and New York Life Insurance Company since 1986. Her other business activities include brokering non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.