Luis Figueroa Suarez is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Charles Schwab, he worked at Mobilelinkusa LLC for four years and Regal Cinemas for two years. He is based in Orlando, FL. 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 discretionary separately managed accounts, employing multi-asset model portfolios and centralized operational support.

Taylor Cowgill is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and MassMutual Life Insurance. Based in Orlando, FL, Cowgill's background includes roles in both financial services and other sectors such as dental care and retail. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 solutions, supported by a large integrated platform and centralized operational structure.

Mary Byington is a financial advisor at Merrill with 19 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Truist, United Medical Corporation, Cetera Investment Services LLC, and Regions Bank. Outside of her advisory role, she serves as a board member and fundraising gala committee member for the Coalition for the Homeless of Central Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Bihler is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by structured planning tools and analysis from its Global Investment Committee.

Gerardo Davila Diaz is a financial advisor with Charles Schwab in Orlando, FL, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at JPMorgan Chase and TD Bank. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides integrated brokerage, custody, and advisory services.

Armando Cruz is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Neuberger Berman BD LLC and the NYC Driver Institute. Outside of his advisory work, he provides transportation services through ride-sharing platforms. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and comprehensive operational infrastructure.

Dhanespatti Tiwari is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he provides guidance and support to clients in managing their investment portfolios and financial strategies. Dhanespatti has experience related to business development, client relations, and trade execution for client portfolios. He has also assisted teams with syndicate portfolio management. He holds the Professional Designation of Personal Investment Advisor (PIA). He earned an Accredited Certificate from George Mason University.

Alex Martin is a Planning Consultant at Fidelity Investments, a role held since 2023. In this position, Alex collaborates closely with clients to understand their financial needs and goals, developing strategies and plans tailored to those objectives and adapting them as circumstances evolve. Alex's professional background includes experience as a Senior Team Manager at Charles Schwab from 2022 to 2023 and as a Service Team Lead at the same company from 2019 to 2022. This progression reflects a solid foundation in financial services and client management. Outside of work, Alex has interests in fitness, football, golf, pets, and puzzles.

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.