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® and PFS™ credentialed financial advisor with 19 years of industry experience. He is the principal of Prosperity Path Advisers, LLC in Vero Beach, FL, where he has worked since 2021. Prior to that, he held roles at Green Vista Asset Management, Tax Saving Professionals, Treasure Coast Financial Planning, and Raymond James & Associates. Zamerski also provides tax planning and preparation services as a CPA and serves as director and member of family office services at TSP Family Office. Prosperity Path Advisers offers portfolio management and comprehensive financial planning for individuals and families, integrating investment advice with tax and insurance analyses. The firm emphasizes tax-aware planning by combining accounting and investment expertise and supports clients through newsletters and educational seminars.

Biran Herndon is a financial advisor with Herndon Wealth Services Inc in Vero Beach, FL, holding Series 63, Series 65, and Series 66 licenses with six years of industry experience. Prior to founding Herndon Wealth Services in 2024, he worked at Impact Partnership Wealth, LLC, Brookstone Wealth Advisors, and Forta Financial Group. Outside of advisory services, he has been involved with Elite Tax Advisory Services, LLC since 2008, providing tax preparation and insurance agent services. Herndon Wealth Services serves individuals, high-net-worth clients, and business entities by offering financial planning and consulting without managing client assets. The firm’s approach emphasizes tailored comprehensive planning and ongoing client engagement, often incorporating tax, estate, business, and risk considerations while operating with hourly or limited-scope engagements rather than 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 with Russell Capital Management, LLC in Vero Beach, FL, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Russell Capital Management since 1994. Russell Capital Management provides discretionary investment advisory services to individuals, retirement plans, charitable organizations, and corporate clients. The firm uses a Modular Portfolio Construction approach and offers portfolio management through its Select Account and Advanced Strategies offerings, combining multiple ETFs and alternative funds while employing fundamental, technical, quantitative, and qualitative analysis.

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 seven years of industry experience. He holds a Series 65 designation and has worked prior at firms including Brown Advisory and Coastal Bridge Advisors. Outside of his advisory role, he serves as treasurer for Pickleball University in Vero Beach, Florida. Washburn Capital Management provides discretionary portfolio management and investment advice to individuals, trusts, foundations, and retirement plans. The firm manages approximately $237 million using customized portfolios that incorporate a broad range of investments and include exposure to digital asset ETFs and derivatives.

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 Jr. is a CFP® professional with 20 years of experience in financial advisory roles. He is currently with Treasure Coast Financial Planning, Inc., where he has worked since 2013, following prior positions at LPL Financial, Raymond James Financial Services, and Ameriprise. Treasure Coast Financial Planning provides comprehensive wealth management and financial planning primarily for individual clients, including high-net-worth individuals, as well as charitable organizations and donor-advised funds. The firm employs a top-down, strategic allocation process emphasizing diversification and low-cost core positions, with discretionary portfolio management overseen through an institutional platform, and also offers in-house accounting and tax expertise alongside educational seminars and donor-advised fund management.

Guy Bassini is a CFP® professional with over 31 years of industry experience, currently serving at Treasure Coast Financial Planning, Inc. since 1996. He also worked with LPL Financial from 1995 to 2013. Treasure Coast Financial Planning provides comprehensive wealth management and financial planning services primarily to individual clients, including high-net-worth individuals, as well as charitable organizations and donor-advised funds. The firm employs a top-down, strategic allocation process focused on broad diversification and low-cost core investments, and also maintains in-house accounting and tax expertise alongside offering educational seminars and donor-advised fund management.

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 licenses and has worked at firms including ELITE Portfolios, ThePARTNERS Wealth Management, and multiple entities within the Cardea Capital Group over the past several years. Cardea Capital Advisors provides investment advisory and financial planning services to individuals, institutional clients, and financial professionals. The firm employs a Modern Portfolio Theory-based approach, utilizing diversified, risk-based model portfolios with low-cost institutional funds, supplemented by separately managed accounts and alternative investments where 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.