Eddy Montalvo is a CFP® and ChFC® credentialed financial advisor with nine years of industry experience. He is currently with Wells Fargo Clearing and has previously worked at firms including Bank of America, Merrill, and USAA Financial Planning Services. Montalvo serves on the finance committee of the Sereno Homeowners Association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is IPS-driven, incorporating modern portfolio theory and a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Madeline Bickerstaff is a financial advisor with Raymond James Financial with four years of industry experience. She holds a Series 66 designation and has worked at Winter Park Wealth Group and Raymond James Financial Services since 2020. Outside of her advisory work, she occasionally gives private beach volleyball lessons and competes in tournaments. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charities, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports clients through its advisory programs and partnerships.

Edward Ho is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated private bank since 2013. Outside of his advisory role, he is involved with Accelerando Real Estate LLC, a property management business in Winter Park, Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques.

Gary Kravitz is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo in various capacities since 2001. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with more than 14,000 advisors and offers a combination of brokerage and advisory solutions.

John Penney is a financial advisor at Charles Schwab in Orlando, FL, holding a Series 66 designation with 10 years of industry experience. He has been with Charles Schwab since 2017 and previously worked at Merrill from 2016 to 2017. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab provides both non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Jodi Uhrick is a Series 66 licensed financial advisor with Morgan Stanley in Winter Park, FL, where she has worked since 2009. She has 24 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and scenario modeling.

William Grafton III is a financial advisor at LPL Financial with 53 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, Merrill, Wells Fargo Clearing, and Prudential Equity Group before joining LPL Financial in 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Marcelo Egea is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial goals and develop strategies tailored to their short-, mid-, and long-term objectives. He provides guidance on various financial matters including general investing, retirement planning, and saving for unexpected expenses. Marcelo also connects clients with specialists in banking, credit, home financing, and small business solutions through Bank of America. Marcelo holds the Chartered Retirement Planning Counselor (CRPC) designation and earned a Bachelor's Degree from the State University of New York at Plattsburgh. He is proficient in English and German. Outside of his professional duties, Marcelo is involved with the Glenville Rotary Club.

Michael Kelley II is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones since 2009. He holds the Series 66 designation and is based in Orlando, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Edward Collins is a financial advisor with J.P. Morgan Securities in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Banc One Securities Corporation, Chase Investment Services Corp., and JPMorgan Chase Bank, N.A. He also worked at Guerin Catholic High School and was involved with PMC Property Management Corp. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may include ESG criteria in its recommended strategies.

Ryan Brown is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has worked at Wells Fargo Bank, NA since 2011. Outside of his advisory role, he co-owns an interior design and remodeling business with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Harrison Watkins is a financial advisor at Raymond James & Associates with two years of industry experience. He holds a Series 66 designation and has previously worked at Jackson Wealth Management and Bank of New York Mellon. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research resources.

Sandra Martin is a CFP® professional with 38 years of experience in the financial industry. She has been with Raymond James & Associates since 2017 and previously worked at Merrill for 11 years. Based in Orlando, FL, she holds Series 63 and Series 65 licenses. 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 municipal entities, offering tailored financial planning and consulting through various programs and an extensive affiliate network.

Fernando Velandia is a Series 66-registered financial advisor at J.P. Morgan Securities with 13 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2020 and previously held roles at Wells Fargo Clearing, Wells Fargo Advisors, Ameriprise, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research, supporting a non-discretionary program where clients retain final decision-making authority.

Jose Lopez Rodriguez is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to help them develop financial strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance in areas such as general investing, retirement planning, philanthropic planning, LGBT wealth planning, and retirement income, while also facilitating access to Bank of America specialists for services including banking, credit, lending, and small business solutions. Raised in the Dominican Republic by parents with careers in banking, Jose developed an early understanding of the importance of guiding clients toward meaningful financial objectives. He earned a Bachelor's Degree from American University and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jose is a member of Sigma Chi Fraternity and communicates with clients in both English and Spanish. Outside of his professional responsibilities, Jose enjoys fishing, horseback riding, skiing, traveling, and spending time with his family. He lives in Washington, DC, with his Standard Schnauzer, Mangu.

Robert Oliver is a Wealth Management Advisor at Merrill Lynch Wealth Management. He applies a disciplined, personalized approach to wealth management, focusing on understanding each client's unique financial situation and long-term goals. Robert works closely with clients to develop tailored financial strategies aimed at providing both financial well-being and emotional security. With experience dating back to 2002 at Merrill Lynch Wealth Management and a prior decade spent in diabetes research at the University of Miami, Robert brings a scientific approach to portfolio design and financial planning. He collaborates with partner Don Tollin and a team of specialists at Merrill and Bank of America to deliver personalized service and solutions for clients. Robert holds a Bachelor's Degree from the University of Florida and is a CERTIFIED FINANCIAL PLANNER™ professional as well as a Personal Investment Advisor (PIA). Outside of his professional role, he spends time with his wife and two sons and pursues hobbies including hiking, playing piano, cooking, and photography.

Elmer Hernandez is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior work includes roles at UBS, JPMorgan Chase, NBCUniversal, Florida International University, Miami Dade College, and Home Depot. 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, pension plans, corporations, and charitable organizations.

Zoe Mitchell is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. She has worked at Bank of America, N.A., and held various roles in education and corporate sectors including Florida Agricultural & Mechanical University and Pfizer. 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, pension and profit-sharing plans, corporations, and charitable organizations.

John Thorsen IV is a financial advisor with Wells Fargo Advisors in Orlando, FL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Wells Fargo Advisors in 2016, he worked at Raymond James & Associates from 2008 to 2016. He is a 20% owner of Thunder Consultants, LLC, a wealth advisory firm based in Orlando. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

J Peterson is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in serving wealthy families. In his role, he collaborates closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. J holds a Bachelor's degree from the University of Central Florida and an Associate's degree from Valencia College. He also attended the University of Florida and graduated from W R Boone High School. He holds the Personal Investment Advisor (PIA) designation. He maintains a professional approach focused on individualized client service and supports community involvement through volunteer activities.