Andrew Niklaus is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Merrill Lynch for five years before joining Raymond James in 2020. In addition to his role at Raymond James, he works as an independent contractor financial advisor for Agility Wealth Management. 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, and charitable organizations. The firm offers tailored, non-discretionary planning and employs various analytical tools to help clients evaluate potential outcomes.

Elvis Ngo is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including a role at Charles Schwab Bank since 2015. Charles Schwab & Co., Inc. serves 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 offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

John Kirchhoefer is a financial advisor with Merrill who holds a Series 63 designation and has 47 years of industry experience. He has been with Merrill since 1970 and also affiliated with Bank of America since 2009. Outside of his advisory role, he is involved in multiple aviation-related businesses, including serving as president of a courier company and holding interests in several corporations that manage and own aircraft for liability purposes. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Loretta Miller is a financial advisor with LPL Financial in Altamonte Springs, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has worked at LPL Financial since 2019 and previously held roles at Synergy Wealth Alliance and Cetera Advisors LLC. Outside of her advisory work, she provides administrative support to an independent investment advisory firm, Synergy Investment Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Erik Whelan is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans and present tailored strategies. His approach involves co-creating clear, actionable steps that evolve over time to reflect client preferences, time horizons, and changing needs. Erik has been with Fidelity Investments since 2021, progressing through roles including Customer Relationship Advocate, High Net Worth Associate, Investment Solution Representative I and II, Planning Consultant, and currently Investment Consultant. This experience has provided him with a strong foundation in investment solutions and client planning. Outside of his professional work, Erik has personal interests that include boating, golf, scuba diving, visiting museums, traveling, and exploring culinary experiences.

Shaunah Saint Cyr is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and eight years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2017 and 2021, respectively, and previously spent seven years at GM Financial/AmeriCredit. Outside of her advisory work, she creates YouTube content focused on travel, food, women's health and empowerment, and solo living. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Natasha Carse is a financial advisor with Morgan Stanley in Winter Park, Florida, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She has been with Morgan Stanley since 2015 and works with Morgan Stanley Private Bank, N.A. since 2019. Outside of financial advising, she is involved in music and video production through ownership and management roles in related LLCs and participates in professional organizing as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by structured processes and firm-approved tools.

Marc Abraham is a Series 66-credentialed financial advisor with six years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019. Prior to his finance career, he worked at Rocky Mountain College of Art + Design for eight years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based financial planning across various topics without discretionary trading authority, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Scott Chapa is a CFA® charterholder with 19 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. He previously held roles at Wells Fargo Bank, nA, Zions Capital Advisors, Inc., and Zions Direct, Inc. He has a 50% ownership in Chapa Squared Ventures, LLC, a private investment venture based in Orlando, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of advisors.

Lance Robinson is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Charles Schwab Bank and Capco RISC Services. 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 separately managed accounts and offers a structured approach to alternative investments and cash-sweep services.

Denise Crawford is a financial advisor with Edward Jones in Oviedo, FL, holding a Series 66 designation and with 11 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Nathan Hrdy is a financial advisor at Charles Schwab with a Series 66 credential and approximately one year of industry experience. Prior to joining Schwab, his background includes roles outside the financial industry, primarily in the hospitality sector. 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 managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and access to alternative investments.

Christian Larson is a financial advisor with Merrill based in Lake Mary, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Lance Atwood State Farm. Outside of his advisory duties, Larson works with a family-owned land flipping business, JML Land Investment, where he conducts market research and negotiates deals outside of work hours. 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.

Abby Becker is a financial advisor at Charles Schwab with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory Inc., she worked at Charles Schwab & Co., Inc. and held various roles outside finance, including positions in retail and education. 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 investment guidance and access to discretionary separately managed accounts within an integrated brokerage and advisory platform.

Valeria Arroyave Cardona is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and three years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2014 and has been with Wells Fargo Clearing and Core Technology Services, LLC since 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Anna Sime is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at firms including Schwab Private Client Investment Advisory, Wells Fargo, Citigroup, and HSBC. Outside of finance, she is involved in the dance industry as a partner in SM Dance Company and a vice president in SM Dance Syndicate, both based in Winter Park, Florida. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations in standalone plans.

Keith Davis is a financial advisor at Raymond James & Associates with 33 years of industry experience. He has been with Raymond James since 2004 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he acts as a power of attorney for a family member in health-related matters. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services primarily through non-discretionary relationships.

Mary Newhouse is a financial advisor at OSAIC with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms including Woodbury Financial Services, Questar Capital Corporation, Kovack Securities, and Capital Guardian Wealth Management. Outside of her advisory role, she serves as a notary public and manages GCG Wealth Management, where she offers fixed annuities and life insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and provides integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms and third-party money managers. The firm employs firm‑provided tools for portfolio construction and supports a variety of investment accounts, including discretionary and non-discretionary management.

Alexander Maitski is a financial advisor with Merrill in Orlando, FL, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America and Truist, with experience spanning advisory and banking positions. Merrill, alongside 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.

Robert O Reilly is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, he held various roles including at Dine Brands and Superjacket Productions, as well as periods dedicated to full-time education and homemaking. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining extensive scale with an integrated advisory and brokerage platform.