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 licenses and has been with Wells Fargo in various capacities since 2001. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Penney is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab since 2017, following a one-year tenure at Merrill. Based in Orlando, FL, he serves clients through Schwab’s wealth advisory platform. 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 a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custody and order-routing arrangements.

David Link is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Prudential, Mass Mutual Investors Services, and Metropolitan Life Insurance Company prior to joining Schwab. Outside of his advisory role, he serves as a FINRA arbitrator and is involved in nonprofit organizations, acting as treasurer for a Boy Scouts troop and president of an American Heritage Girls chapter. 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 and discretionary investment management, financial planning, and custody services supported by a multi-asset portfolio approach and centralized operational infrastructure.

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 previously worked at Merrill and Bank of America for a combined total of 32 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with access to model portfolios, research, and various investment strategies.

Elmer Haynes is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at TD Ameritrade and Thrivent Financial. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research.

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.

Hang Zheng is a CFP® professional with four years of industry experience, currently advising clients at Charles Schwab in Orlando, FL. Prior to joining Schwab in 2019, he held roles at InTop Realty LLC and the University of Central Florida. Zheng has also worked with Shanghai Disney Resort and Walt Disney World. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Edward Collins is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. Prior to this, he was involved with PMC Property Management Corp for 13 years and worked at Guerin Catholic High School for five years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Robert Godin is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 26 years of industry experience. He has been with Charles Schwab since 1999 and Charles Schwab Bank since 2019. Outside of his advisory work, he is listed as a director for a healthcare services company, Mastermind Neurofeedback, LLC, in Orlando, though he does not actively participate in the business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, employing multi-asset model portfolios and due diligence from its Schwab Center for Financial Research.

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.

Keith Jerry is a financial advisor with Charles Schwab in Orlando, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Charles Schwab since 2009. 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

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 financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2020, following four years at Wells Fargo Advisors and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting. The firm delivers advisory services alongside affiliated brokerage and investment management capabilities, operating with a combination of institutional advisory functions and market-facing registrations.

Pool Paucar is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, E*TRADE Securities LLC, and Bank of America. Paucar is based in Orlando, FL. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with an emphasis on multi-asset strategic allocation and alternative investments. The firm supports a large client base through integrated advisory, brokerage, and custody services.

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 66 and Series 63 credentials and one year of industry experience. Her prior roles include positions at Bank of America, Pfizer, and Norwegian Cruise Line Holdings. She has also worked in education at Florida Agricultural & Mechanical University and Leon County Schools. 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.

Jie Huang is a financial advisor at Charles Schwab with three years of industry experience. Jie holds a Series 66 designation and has previously worked at Addition Financial CU, LPL Financial, and Trustco Bank. Prior to entering the financial industry, Jie spent seven years in homemaking. 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 combines a primarily non-discretionary client relationship model with access to discretionary separate managed accounts and offers multi-asset model portfolios supported by centralized operational and supervisory infrastructure.