John Swaine is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Raymond James Financial Services and managing member roles in multiple LLCs. Outside of advising, he serves part-time as a police officer with the Sebring Police Department. Second Half Financial Partners provides discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation and manages approximately $364 million for over 1,100 clients.

Victor Divietro is a financial advisor with Waypoints Financial in Sebring, FL, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. His prior roles include positions at Merrill, A. G. Edwards & Sons, Wells Fargo Clearing, Cambridge Investment Research Advisors, and WFG Investments. Outside of advisory work, he manages two holding companies related to commercial real estate in Sebring. Waypoints Financial provides discretionary portfolio management and financial planning services to individuals, trusts, estates, charitable organizations, banks, and businesses. The firm operates its own wrap fee program, offering tailored investment strategies that include advanced trading techniques and ongoing portfolio monitoring.

George Leidel Jr. is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His background includes roles at Heartland Tax and Accounting, LLC, Leidel Capital, Inc., and Raymond James Financial. Outside of advising, he serves as president or managing member of several holding companies and is involved in tax preparation and IRS representation through Platinum Financial Partners, LLC. Second Half Financial Partners provides discretionary investment management and financial consulting primarily to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation strategies and manages an elevated client load across its team of five advisors.

Thomas Crutchfield is a financial advisor at Waypoints Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at WFG Investments Inc. from 2011 to 2017 before joining Waypoints Financial in 2009. Outside of advising, he serves on the board of Crutchfield Groves, Inc., a holding company for owner-financed properties. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, using fundamental, technical, and cyclical analysis with a range of strategies, including long- and short-term equity positions and margin borrowing.

John Clark is a CFP® with 34 years of industry experience and is currently a financial advisor at Waypoints Financial in Sebring, FL. He previously worked at Wfg Investments Inc from 2011 to 2017. Outside of his advisory role, Clark owns and operates a cattle ranch in Sebring, Florida. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, utilizing fundamental, technical, and cyclical analysis and employing a range of strategies including the use of borrowing and margin where appropriate.

Phillip Statler is a financial advisor at Second Half Financial Partners, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at his own firms and tax service companies since 1998. Statler also serves as president of SFS Tax Services, Inc., providing income tax preparation services. Second Half Financial Partners offers discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, focusing on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios primarily using index ETFs, dividend-paying stocks, and bonds, and manages approximately $364 million across more than 1,100 clients.

Shari Flowers is a financial advisor at Synergy Investment Management LLC with 12 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2013. Synergy Investment Management serves individuals, trusts, estates, businesses, and charitable organizations, managing over $461 million in assets for approximately 1,072 clients. The firm employs a long-term, Modern Portfolio Theory–based approach, utilizing diversified portfolios with mutual funds, ETFs, and other securities, and incorporates proprietary quantitative tools in its investment process.

Damali Errar is a financial advisor with Advisory Solutions Group and holds Series 63 and Series 66 credentials. She has 15 years of industry experience and has worked with firms such as Lincoln Investment, UBS Financial Services, and Wells Fargo Clearing. Errar is also a licensed real estate broker in Sebring, Florida. Advisory Solutions Group serves retail clients through a network of Investment Advisor Representatives and offers turnkey business and back-office services to other registered investment advisory firms. The firm employs a diversified investment approach combining quantitative, momentum, and fundamental analysis, while supporting RIAs with portfolio management, model implementation, and administrative services.

Michael Fitch is a financial advisor at Merit Financial Advisors with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Second Half Financial Partners, Swaine & Leidel Wealth Services, and Wells Fargo Clearing. He is president of the 3B Foundation LLC, a charity organization in Sebring, Florida. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base, including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable investment sleeves, overseen by a central Investment Management team and Investment Committee.

Minh Leung is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Minh works closely with clients to understand their financial goals and develop strategies to pursue these objectives, covering areas such as investing, retirement planning, and unexpected savings. Minh also coordinates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Minh holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Minh earned a Bachelor's Degree from National Economics University and a Master of Business Administration (MBA) from the California State University System.

Ying Sun is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds a Series 66 credential and has worked previously at Decentralized Finance Labs and Wells Fargo Advisors LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and broad execution and custody services.

Robert Mourad is a CFP® with 31 years of industry experience, currently serving at Citigroup Global Markets. He previously worked at UBS Financial Services for 27 years, followed by roles at Insigneo Securities and Galliott. Outside of his advisory work, he is a passive investor in a restaurant business. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and a combination of large institutional scale and specialized market roles.

Jingyi Ke is a financial advisor at Citigroup Global Markets with two years of industry experience. Jingyi holds Series 65 and Series 63 licenses and has worked at Citigroup since 2019. Prior to this, Jingyi was employed at California Pizza Kitchen for four years. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and market roles unique among its peers.

Huong Christy Nguyen is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 designations and has been with Citigroup since 2015. Outside of her advisory role, she assists with social media for a family-owned succulent business in San Jose. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees, with capabilities including exposure to alternative and digital-asset products.

Wang Kei Kwan is a financial advisor at Citigroup Global Markets with Series 65 and Series 66 credentials and four years of industry experience. His prior roles include positions at LPL Financial LLC, Sterling Bank & Trust, and Crystal Jade Jiangnan. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant, providing a broad range of advisory and execution services.

Jonathan Joles is a Series 65-licensed advisor with AE Wealth Management, LLC, where he has worked since 2019. He has six years of industry experience and is also involved with J. Biance Financial as an associate advisor focusing on insurance sales. Prior to his advisory roles, he held positions with Hardee County Family YMCA and Sun'n Lake Improvement District. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that combines models managed internally, by third parties, and by advisors.

Deborah Drummond is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at HSBC Bank and Unified Pet Products, as well as a previous tenure at Citigroup Global Markets from 2005 to 2017. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Gabriela Diaz is a financial advisor with Citigroup Global Markets in San Francisco, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Citigroup Global Markets since 2003, totaling 23 years with the firm. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supported by in-house research and unique market roles.

Timmy Pham is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and provides bespoke discretionary solutions, leveraging its large institutional scale and specialized market roles.

Cindy Li is a financial advisor with Citigroup Global Markets and holds a Series 66 designation. She has four years of industry experience and has worked at Citibank N.A. since 2013. Outside of her advisory role, she provides in-home care services for a family member through the In Home Supportive Services Program. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs with extensive internal oversight and maintains unique market roles such as operating as a swap dealer and futures commission merchant.