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 44 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2009. His other business activities include a trust-related role in Eustis, Florida. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a variety of investment offerings, including those from its Financial Advisors and Estate Planning Strategies Group.

Paul Gillham is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Securities America Advisors and Securities America, Inc. for 12 years. Outside of his advisory role, he operates an insurance sales business and a firm focused on identity theft prevention education. OSAIC serves a wide range of clients, including individual investors and institutional entities, offering brokerage and investment advisory services, financial planning, and access to third-party money managers across multiple platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Vanessa Irizarry is a financial advisor at Charles Schwab with 25 years of industry experience. She has been with Charles Schwab since 2007 and holds Series 63 and Series 66 designations. Based in Orlando, FL, she works within one of the largest financial institutions in the industry. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset strategic allocation approach supported by dedicated research and alternative investment options.

Diego Molina is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022. Prior to his career in finance, Molina spent time in education and held various positions in different industries, including telecommunications. 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 combines non-discretionary advisory relationships with access to affiliated discretionary portfolios, offering clients a mix of strategic asset allocation and alternative investment options.

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.

Jared Whittle is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked as a marketing manager for a moving company, Handy Relocations LLC. 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 services grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Leticia Clough is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliated advisory entities since 2016. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management, fund advisory, and model portfolios tailored to intermediary platforms.

Jingbo Yuan is a financial advisor with LPL Enterprise in Orlando, FL, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, Yuan had roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory work, he operates a financial planning business under a DBA related to his LPL affiliation. LPL Enterprise serves a diverse client base including individuals, retirement plans, charities, corporations, and institutional clients, offering financial planning, advisory, and brokerage services. The firm provides access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products through an integrated platform.

Marcus Healey is a financial advisor with Cambridge Investment Research Advisors in Orlando, FL, holding a Series 66 designation and with 24 years of industry experience. Prior to joining Cambridge in 2024, he worked at Equitable Advisors and Axa Advisors. Healey is involved in entrepreneurial activities, including ownership in a real estate business and advisory roles with multiple registered investment advisory firms. Cambridge Investment Research Advisors serves a diverse client base, including individual investors, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides a range of investment solutions across various custody platforms, supporting both discretionary and non-discretionary strategies tailored to client objectives.

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 28 years of industry experience. She holds a Series 66 designation and has worked at Merrill for over 34 years, including her current tenure since 2018. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

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.

Mitchell Houser is a financial advisor at Ameriprise in Winter Park, FL, holding a Series 66 designation with nine years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Yves Moon is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at Sanford C. Bernstein & Co LLC and Axa Advisors prior to his current roles at J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the broader J.P. Morgan broker-dealer and banking organization and offers access to a range of investment products through its Institutional Consulting Services program.