Penny Digiovanna is a CFP® professional with nine years of industry experience, currently operating as the sole advisor at Financial Planning by Design. Her prior roles include positions at J.W. Cole Financial, Fidelity Brokerage Services, and Raymond James & Associates. Outside of her advisory work, she owns Wise Penny Consulting LLC, providing non-investment consulting on family governance, financial education, and family transitions such as divorce. Financial Planning by Design is an independent, fee-only firm serving individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm employs a blend of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate considerations.

Richard Greenhill is a CFP® and ChFC® with 20 years of experience in the financial industry. He is the sole advisor at Financial Analytics, LLC, an independent firm based in Melbourne, FL. Since 2010, he has also been affiliated with American Equity Investment Corporation. Outside of his advisory work, he serves as a bookkeeper for a homeowner association. Financial Analytics, LLC provides financial planning and investment supervisory services to individual clients, focusing on personalized planning and portfolio management under CFP Board practice standards. The firm manages approximately $5.8 million in assets across about 15 client relationships, employing a collaborative, non-discretionary approach to advisory services.

Milo Zonka is a CFP®-credentialed financial advisor with over 21 years of industry experience. She is principal at Zonka & Associates, Inc., an independent advisory firm based in Indialantic, Florida. In addition to her advisory role, she is involved in aviation-related businesses including real estate development and aerospace manufacturing. Zonka & Associates provides investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm offers tailored portfolio management, financial planning, and pension consulting, with a specific focus on retirement plans and institutional clients.

Luis Sanchez is a CFA® charterholder and Series 65 licensee with seven years of industry experience. He is the principal advisor at LVS Advisory LLC and also serves as Managing Partner and 50% owner of Greater Wealth LLC, a wealth management firm founded in 2023. His roles include investment decision-making and client relationship management across both firms. LVS Advisory provides discretionary investment management primarily through separately managed accounts, serving individuals, trusts, family offices, corporations, and employee benefit plans. The firm’s investment approach combines value and growth strategies with a focus on long-term capital preservation, utilizing a broad range of securities including equities, fixed income, convertibles, structured instruments, and derivatives.

Desiree Kaul is the founder of Kaul Financial Solutions and holds the CFP® and ChFC® designations. She has two years of industry experience, with prior roles at Plancorp, LLC and MainStreet Financial Planning, Inc. Kaul also serves as a course facilitator at The American College of Financial Services and as an instructor for the CERTIFIED FINANCIAL PLANNER® certification program through Dalton Education, LLC. Kaul Financial Solutions provides project-based financial planning and tax preparation services to individuals, sole proprietors, and small businesses. The firm generally favors passive investment strategies based on Modern Portfolio Theory, offering recommendations implemented at the client’s direction without ongoing portfolio management.

Thomas Wuchte is a financial advisor at Critical Mass Financial, LLC with 17 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. Prior to founding Critical Mass Financial in 2025, he worked at Northrop Grumman Systems Corporation as an analyst and has served in the United States Navy. Outside of his advisory role, he owns and operates a tax and insurance services business. Critical Mass Financial, LLC provides discretionary and non-discretionary asset management and financial planning services to individuals and high-net-worth clients. The firm utilizes a combination of fundamental and technical analysis within an allocation framework informed by modern portfolio theory, offering strategies that include options trading and tax-loss harvesting.

Jarrett White is a financial advisor at Seven Pines Capital, LLC with six years of industry experience. He holds a Series 65 designation and previously worked at Dykema Gossett, PLLC for three years. Seven Pines Capital, LLC is an independent, single-advisor registered investment adviser serving individuals, retirement plan sponsors and participants, businesses, and select institutional clients. The firm provides asset management and pension consulting services, using a combination of fundamental, technical, and charting analysis, and implements options-writing and other derivatives strategies within separate accounts.

Derek Notman is a CFP® and ChFC® with 20 years of experience in the financial industry. He is the founder of Intrepid Wealth Partners, LLC and has worked with firms including Eagle Strategies and New York Life Insurance Company. Mr. Notman is also an owner of Couplr, Inc., a technology company that connects financial advisors and consumers, and co-owns REBL Group Holdings, an entrepreneur and fathers community. Additionally, he co-hosts "Rethink: The Financial Advisor Podcast," which focuses on industry education and professional development. Intrepid Wealth Partners is an independent advisory firm serving individuals, pension and profit-sharing plans, corporations, and other advisors. The firm provides comprehensive financial planning, discretionary portfolio management, sub-advisory services, and pension consulting, using a personalized, goal-based approach that aligns asset allocation with clients’ objectives and risk tolerance.

Tasha Shaheen is a financial advisor at Tactical Financial Planning Inc in Malabar, FL, holding a Series 65 designation with no prior advisory industry experience. She has worked in government contracting roles, including as an Estimating Manager at BSNC Government Services. Outside of financial advising, she serves as Vice President of byDesign Graphics and Marketing Inc, a design services company. Tactical Financial Planning Inc offers holistic financial planning and investment advisory services to individuals, families, and businesses. The firm emphasizes passive, long-term investment strategies using no-load index mutual funds, ETFs, and U.S. government securities, with tailored portfolio design based on clients’ tax situations, risk tolerance, and goals.

Rita Medaglio Barrera is the sole advisor at Bmr Global Wealth Management Group, Inc. in Melbourne, FL, holding Series 63 and Series 65 licenses with eight years of industry experience. She has been with the firm since 2008. In addition to her advisory role, she is an independent insurance agent specializing in Medicare supplement and Medicare Advantage plans for seniors. Bmr Global Wealth Management Group, Inc. is an independent firm providing portfolio management and financial planning services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a Modern Portfolio Theory-based approach with globally diversified, passive investments and is notable for its niche divorce financial-planning practice.

Shannon Pitner is the founder and sole advisor of Nautilus Wealth Advisors, holding the CFP® designation and Series 63 license with 44 years of industry experience. Prior to establishing Nautilus Wealth Advisors in 2021, she worked at Raymond James Financial from 1990 to 2021. Outside of her advisory work, Pitner organizes and serves as treasurer for Women Sharing Wisdom, a conference for female financial advisors. Nautilus Wealth Advisors is a founder-owned registered investment adviser managing approximately $108 million for about 71 clients. The firm provides investment management, financial planning, and retirement plan advisory services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored plans, typically implementing tailored portfolios through the Raymond James Freedom account program.

Joseph Morgan is a CFP® and CFA® with 17 years of experience in the financial industry. He currently operates as the sole advisor at Best Financial Life, doing business as JWM Wealth Management, and has previously worked at SVB Asset Management. Best Financial Life serves individual and high-net-worth clients, as well as institutional and charitable organizations, providing financial planning, portfolio management, educational workshops, and limited coaching. The firm employs Modern Portfolio Theory with a preference for passive, low-cost mutual funds, while incorporating behavioral finance insights and selectively using active management when market inefficiencies arise.

EWM is an independent, fee-only fiduciary financial advisory firm. Located in Satellite Beach, Florida, we help people seeking personal, sophisticated, and careful wealth management — whether you’re just starting to save and invest, a busy professional approaching retirement, or someone who wants to enjoy your retirement years in comfort.

William McCloskey is the sole advisor at McCloskey & Associates, P.A. in Melbourne, Florida, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has led his independent firm since 2007. Outside of advisory services, he serves as president of Collabrio & Company, a brokerage focused on connecting companies, and is an independent insurance agent. McCloskey & Associates advises individuals and high-net-worth clients through discretionary asset management, financial planning, and consulting, managing approximately $4.08 million in assets. The firm emphasizes individualized account supervision, utilizing a range of investment vehicles and third-party money managers, with a focus on both long- and short-term strategies tailored to client goals.

Julie Decker is a financial advisor at Investment Management Services Group, LLC with 18 years of industry experience. She holds a Series 65 designation and has been with Investment Management Services Group since 2007. In addition to her advisory role, she serves as president of an insurance agency. Investment Management Services Group, LLC provides discretionary portfolio management primarily to individual clients, including both high-net-worth and non-high-net-worth households, using a blend of fundamental, technical, and cyclical analysis to construct diversified, equity-focused portfolios.

Jeffrey Wegner is a financial advisor at Money Management Concepts, Inc. in Melbourne, FL, holding a Series 66 designation with 22 years of industry experience. He has been with Money Management Concepts since 2016 and previously worked at Life Long Learning College from 2014 to 2018. Money Management Concepts, Inc. provides discretionary and non-discretionary investment management to individuals, trusts, and estates, including high net worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis with both long- and short-term strategies, using tools such as charting, short sales, margin transactions, and option writing.

Brian Spatola is a financial advisor at Heron Equity Management, LLC with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Osaic Wealth, Inc. and Cetera Advisors LLC. In addition to his advisory role, he operates a sole proprietorship focused on insurance sales. Heron Equity Management provides discretionary and non-discretionary investment management, financial planning, and annuity/variable life management to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a tactical and strategic asset allocation approach using proprietary technical, quantitative, and volume analysis.

Daniel Arbogast is a financial advisor at Arbogast Financial Advisors, LLC in Melbourne, FL, holding a Series 65 designation with three years of industry experience. He has worked at Arbogast Financial Advisors since 2021, overlapping with his role at Michael L. Arbogast, CPA, PA since 2021. Arbogast Financial Advisors, LLC provides portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs diversified investment strategies using equities, mutual funds, ETFs, and fixed-income instruments, combining fundamental and technical analysis with asset allocation frameworks, and integrates accounting coordination through its affiliation with a CPA firm.

Michael Arbogast is a CFP® with 29 years of industry experience and serves as a financial advisor at Arbogast Financial Advisors, LLC. He has been a principal at the firm since 2008 and also owns and operates a CPA firm, Michael Arbogast, CPA, P.A., where he provides tax preparation and small business accounting services. Arbogast Financial Advisors, LLC offers portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs a diversified investment approach supported by fundamental and technical analysis and benefits from its integration with an accounting practice, enabling coordinated tax and financial planning.

Paul Henneman is a Series 65 licensed advisor with 12 years of industry experience. He is associated with ValuEngine Capital Management LLC and has been with the firm since 2015. In addition to his advisory role, he serves as President and CEO of ValuEngine Inc., a financial research company that publishes stock reports and market analysis. ValuEngine Capital Management serves individual and high-net-worth investors as well as pension and profit-sharing plans, providing tailored portfolio management through both discretionary asset management and an automated platform. The firm integrates fundamental analysis, quantitative methods, and modern portfolio theory in its investment strategies, with a model-driven approach closely connected to ValuEngine Inc.’s published research.