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 with Merrill who holds a Series 66 designation and has 28 years of industry experience. She has worked at Merrill for most of her career, including two separate tenures from 1990 to 2016 and from 2018 to the present. Ramirez is based in Winter Park, Florida. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

Jason Eddy is a financial advisor with Charles Schwab & Co., Inc. in Orlando, FL, holding Series 63 and Series 66 credentials and eight years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors. 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 and discretionary investment guidance using multi-asset model portfolios and combines centralized supervisory, custody, and order-routing arrangements with access to alternative investments.

Michael Speed is a CFP® professional with 10 years of industry experience, currently affiliated with Cetera. He has held roles at Evershore Financial Group and Minnesota Life, among others, and operates an expense management firm, Michael E. Speed, LLC. Cetera is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies and third-party money managers.

Steven Kazukietas is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked at Schwab Private Client Investment Advisors and Charles Schwab Bank during his career. Outside of finance, he assists with coordinating league schedules and registrations at RDV Sportsplex Ice Den in Orlando. Charles Schwab 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’s approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Eric James is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at AXA Advisors, LLC and PNC Investments. Based in Orlando, FL, he has been with Wells Fargo Clearing since 2021. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment vehicles such as insurance-related products and bank deposit sweep options.

Sheri Conerly Davis is a financial advisor with Edward Jones in Oviedo, FL, holding Series 63 and Series 66 designations and having 23 years of industry experience. She has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment options supported by a nationwide network of financial advisors and branch offices.

Carlos Alvarez is a Series 66-licensed financial advisor at Charles Schwab with 11 years of industry experience. He has been with Charles Schwab since 2013, including a role at Charles Schwab Bank since 2017. He serves as Treasurer and Secretary of the Ashbury Park Home Owner's Association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized custody and operational services.

Martha Prestin is a financial advisor at Morgan Stanley with 38 years of industry experience. She previously worked at UBS Financial Services Inc. for 17 years before joining Morgan Stanley Smith Barney LLC in 2026. Martha holds Series 63 and Series 65 designations and is a notary in Orlando, FL. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and advanced modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and Corporate Financial Planning agreements.

Kayla Dahl is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services since 2019. Prior to that, she held positions at Janus Henderson Distributors and Anheuser-Busch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages multi-manager and fund-of-funds structures and delivers model portfolios to intermediary platforms, utilizing systematic methodologies and maintaining oversight controls.

Kevin Gerry is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for several family members and acts as trustee for multiple family trusts. 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 combines research from Wells Fargo Investment Institute and third-party sources to support a diversification-based investment approach.

Jeffrey Murray is a financial advisor with LPL Financial in Orlando, FL, holding Series 63 and Series 65 credentials and possessing 39 years of industry experience. His prior roles include positions at Lombard Advisers Incorporated, Lombard Securities Incorporated, and Benjamin F. Edwards & Company, Inc. He is also involved in an insurance agency, focusing on life, annuities, accident and sickness, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Derek Grimm is a CFP® with 25 years of industry experience. He is currently with RBC Capital Markets and City National Bank, having previously worked at Bank of America and Merrill Lynch. Grimm serves on the Board of Directors for the Camaraderie Foundation, a veteran organization that supports individuals with PTSD. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations, offering customized advisory programs and portfolio management services tailored to client risk profiles.

Ethan Cole is a financial advisor at LPL Financial in Orlando, FL, holding a Series 65 designation. He has one year of industry experience and previously worked at AllGen Financial Advisors, Inc. and had roles outside finance, including at Discovery Church and Orlando Health. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through its network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Sheridan Major is a financial advisor with Charles Schwab in Orlando, FL, holding Series 63 and Series 65 credentials and 18 years of industry experience. Prior to joining Charles Schwab, Major worked at Edward Jones and Raymond James Financial Services. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts with an integrated operational and custody platform.