Ramesh Gulati is a CFP®-certified financial advisor with 18 years of industry experience. He has led Gulati Asset Management LLC since 1998. Outside of his advisory role, he is involved in dietary supplement development as a managing member of CBDG LLC and serves on two homeowners association boards. Gulati Asset Management provides discretionary portfolio management and consulting services to individual and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of equities, ETFs, mutual funds, and fixed income, employing both fundamental and technical analysis alongside risk assessment tools such as Monte Carlo simulation and Black Swan tests.

Luis Whu is the sole advisor at Lulla Wealth Financial, an independent firm, with 16 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Securities Corporation and Bankers Life. Outside of advising, he is a licensed insurance agent offering various insurance products. Lulla Wealth Financial provides personalized wealth management and financial planning services to individuals and families, including high-net-worth clients. The firm operates on a fee-only, non-discretionary model, recommending investment programs and third-party managers while clients retain final investment decisions.

Mark Quinn is the sole advisor at Greenfield Financial Services, LLC, an independent firm based in Vero Beach, FL. He holds Series 63 and Series 65 designations and has 41 years of industry experience. Quinn has led Greenfield Financial Services since 2012. Greenfield Financial Services provides ongoing portfolio management to individual and high-net-worth clients, overseeing approximately $2.51 million in assets. The firm operates primarily on a non-discretionary basis, preparing customized Investment Policy Statements and implementing portfolios using a range of securities while managing all client assets internally.

Russell Twiss is a financial advisor at Gallatin & Company, LLC with 14 years of industry experience. He has been with Gallatin & Company since 2006 and holds Series 63 and Series 65 licenses. Gallatin & Company, LLC is an independent, fee-only registered investment adviser serving individuals, charitable organizations, institutions, trusts, estates, and pension plans. The firm manages approximately $92.6 million in assets and employs a fundamental security analysis and long-term total-return investment approach, creating individualized portfolios rather than model portfolios.

Theodore Zamerski III is a CFA® charterholder and PFS™ credentialed financial advisor with 19 years of experience. He is the principal of Prosperity Path Advisers, LLC, where he has worked since 2021. Prior to that, he held roles at Green Vista Asset Management LLC, TSP Family Office, and Treasure Coast Financial Planning, Inc. He also provides tax planning and preparation services and serves as director and family office services member at TSP Family Office. Prosperity Path Advisers is an independent firm serving individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm offers discretionary and non-discretionary portfolio management along with comprehensive financial planning, using a combination of fundamental and technical analysis to create customized asset allocations.

Biran Herndon is a financial advisor at Herndon Wealth Services Inc. with six years of industry experience. He holds Series 63, 65, and 66 credentials and has previously worked at Impact Partnership Wealth, LLC, Brookstone Wealth Advisors, and Forta Financial Group, Inc. In addition to his advisory role, he has been involved with Elite Tax Advisory Services, LLC, providing tax preparation and insurance services since 2008. Herndon Wealth Services serves individuals, high-net-worth clients, and business entities through financial planning and consulting, focusing on comprehensive plan creation and ongoing client engagements without discretionary asset management. The firm offers tailored planning services including business, retirement, and estate planning, and distinguishes itself by using hourly engagements and not charging asset-based fees.

Blake Campbell is a financial advisor with ONESOURCE Wealth Advisors in Vero Beach, FL. He holds Series 63 and Series 65 licenses and has ten years of industry experience. Campbell has worked at several firms including Worth Unlimited LLC and LifePro Asset Management, LLC, and he is president of ONESOURCE Financial Management Group, Inc., where he is involved in insurance, annuity sales, and debt elimination counseling. He also operates an unaffiliated business, Money Mastery, which offers a debt reduction system to clients. ONESOURCE Wealth Advisors is a state-registered firm managing approximately $3.2 million for a select client base. The firm serves individuals, trusts, estates, and retirement plans with discretionary asset management and financial planning, utilizing fundamental, technical, and charting analyses, along with third-party managers and regular client reviews.

Garrard Schaefer is a financial advisor at Peachtree Investment Partners, LLC with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Peachtree Investment Partners since 2007. Outside of his advisory role, Schaefer serves as a Life Trustee for Pace Academy and as a member of the Board of Trustees for Tabor Academy. Peachtree Investment Partners provides discretionary portfolio management to individuals, trusts, estates, retirement plans, and business entities. The firm focuses on individualized, long-term growth-oriented investment strategies primarily emphasizing common stocks selected through fundamental analysis, managing over $300 million in assets with a two-advisor team.

Robert Anderson is a CFA® charterholder with 56 years of industry experience. He is a managing member of Penbrook Management LLC and Beech Hill Securities, Inc., and has been involved in private investment partnerships since 1998. Anderson also provides consulting services for trusts and estates through Fairfield Data Systems and serves on the investment and finance committees at Kent School, managing the Banbury Fund. Penbrook Management LLC is an SEC-registered investment adviser serving individuals, pension plans, trusts, charitable organizations, and pooled investment vehicles. The firm emphasizes discretionary portfolio management with a focus on individual equities for capital appreciation, supplemented by bonds and alternative strategies, and acts as adviser and sponsor to private pooled funds.

David Washburn is a CFP® and holds a Series 65 license, with 20 years of experience in the financial advisory industry. He has been with Washburn Capital Management, Inc. since 2005. The firm provides discretionary portfolio management and investment advice to individuals, trusts, foundations, retirement plans, and other entities, managing approximately $237 million across about 177 client relationships. Washburn Capital Management employs a broad investment approach, including equities, debt, mutual funds, ETFs (including digital asset ETFs), options, and derivatives, and customizes portfolios using asset-allocation principles alongside fundamental, cyclical, and technical analysis.

Brian Mckeown is a financial advisor at Russell Capital Management, LLC with 39 years of industry experience. He has been with Russell Capital Management since 1994. Russell Capital Management, LLC is an SEC-registered advisory firm managing approximately $251.5 million for individuals, high-net-worth clients, retirement plan participants, charitable organizations, and corporate clients. The firm employs a Modular Portfolio Construction approach combining diversified ETF modules and alternative no-load mutual funds and ETFs, offering discretionary portfolio management, model portfolios, and consulting services.

William Brewster is a CFA® charterholder with over a decade of experience in the financial industry. He currently serves as an advisor at RGA Investment Advisors, LLC and has prior experience at Sullimar Capital Group and BMO Harris Bank. RGA Investment Advisors LLC provides wealth management, discretionary portfolio management, and financial planning to individuals, high-net-worth clients, and businesses. The firm employs a long-term investment approach using fundamental, technical, and cyclical analysis across various asset classes and manages both separate accounts and private pooled funds.

Henry Habgood is a financial advisor at Washburn Capital Management Inc. with six years of industry experience. He holds a Series 65 designation and has worked previously at Brown Advisory, Hillview Capital Advisors, Coastal Bridge Advisors, and APH, LLC. Outside of his advisory work, he serves as treasurer for Pickleball University, where he is involved in budgeting and project expense oversight. Washburn Capital Management provides discretionary portfolio management and investment advice to individuals, trusts, foundations, and retirement plans, managing approximately $237 million across about 177 client relationships. The firm employs customized portfolios using asset allocation, fundamental, cyclical, and technical analysis, and includes digital asset exposure as part of its investment offerings.

Robert Washburn is a CFP® with 23 years of industry experience. He has been with Washburn Capital Management, Inc. since 2005. Washburn Capital Management provides discretionary portfolio management and investment advice to individuals, trusts, foundations, retirement plans, and other entities. The firm manages approximately $237 million across 177 client relationships, employing a range of investment strategies including equities, bonds, mutual funds, ETFs (including digital asset ETFs), options, and other derivatives.

Trent Leyda is a financial advisor with Spirepoint Private Client, LLC, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked at Morgan Stanley in various capacities from 2009 to 2023 before joining Spirepoint Private Client in 2023. Leyda is also a licensed insurance agent servicing clients on insurance policies. Spirepoint Private Client, LLC serves individuals, families, trusts, institutions, and retirement plans with discretionary investment management, financial planning, and consulting. The firm employs a multi-faceted investment process combining fundamental, technical, and relative-strength analysis with portfolio construction tools, offering both active and passive strategies tailored to client profiles.

Anthony Dzielski is a CFP® with 19 years of experience in financial planning and wealth management. He is currently with Treasure Coast Financial Planning, Inc. in Vero Beach, FL, where he has worked since 2013. Treasure Coast Financial Planning, Inc. provides comprehensive wealth management and financial planning services to individuals, charitable organizations, and business entities. The firm emphasizes a strategic allocation process with broad diversification and low-cost investments, integrating tax preparation and expertise into its advisory platform.

Guy Bassini is a CFP® professional with 31 years of industry experience. He has been with Treasure Coast Financial Planning, Inc. since 1996. The firm serves individuals, including high-net-worth clients, as well as charitable organizations and donor-advised funds, providing comprehensive wealth management and financial planning. Their investment approach emphasizes broad diversification with low-cost core positions and integrates financial planning and tax considerations into portfolio decisions.

Mark Pettinga is a CFP® and Series 65 credentialed advisor with 29 years of industry experience. He has been with Pettinga Financial Advisors, LLC since 2011, where he serves as part of a seven-advisor team. Pettinga Financial Advisors, LLC is an SEC-registered firm managing approximately $1.11 billion for individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm provides discretionary investment management and financial planning services, utilizing customized and model portfolios that include mutual funds, ETFs, fixed income, alternative investments, and individual securities.

Kendall Borchardt is a financial advisor at Cardea Capital Advisors, LLC with 17 years of industry experience. He holds Series 63 and Series 65 designations. His prior roles include positions at Lindner Capital Advisors and Emerge Capital Management. Cardea Capital Advisors serves individuals, institutional clients, and financial professionals with investment advisory and financial planning services. The firm employs a Modern Portfolio Theory-based approach, using diversified, risk-based model portfolios with low-cost institutional funds, supplemented by separately managed accounts and private investments as appropriate.

Robert Polackwich is a CFA® charterholder with 23 years of industry experience, currently serving at Professional Advisory Services, Inc. since 2001. He holds a Series 65 license and is based in Vero Beach, FL. Professional Advisory Services, Inc. manages discretionary investment portfolios for individuals, high-net-worth clients, trusts, retirement accounts, and various institutional clients including corporate pension plans, charities, and business entities. The firm employs a combined top-down and bottom-up fundamental analysis approach to construct diversified portfolios focused on high-quality equities and investment-grade bonds, supported by a formal investment committee and comprehensive performance reporting.