Paul Balog

Richard Stebbins is a CFP® professional with 16 years of experience, operating as the sole advisor at Richard A. Stebbins CPA CFP CMFC in The Villages, FL. He holds a CPA background but is not currently an active licensed public accountant. His firm provides discretionary investment management primarily for individual clients and trusts, focusing on income and indexed equity exposure through various instruments such as preferred stocks, closed-end funds, and index ETFs. The firm manages approximately $12.3 million across 20 accounts and offers separate tax-planning and limited-scope hourly planning services, maintaining a small and selective client roster.

James Randazzo is a financial advisor with LSP Advisory LLC in Tavares, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at GWN Securities Inc. for 15 years before founding LSP Planning LLC and later LSP Advisory LLC. Randazzo is also involved in life insurance and annuities sales, tax consulting and preparation, and Medicare planning, including educating clients on cash value life insurance through the Bank on Yourself program. LSP Advisory LLC serves individual and high-net-worth clients, focusing on portfolio management by placing assets with third-party sub-advisers. The firm matches clients to model portfolios based on risk tolerance and objectives, regularly reviewing manager performance and maintaining formal relationships with specialized sub-advisers to provide access to niche investment strategies.

Michael Barber is the principal of Barber & Associates in The Villages, FL, holding the ChFC® designation and Series 63 license with 41 years of industry experience. He is also the principal of Wealth Management Network, a training firm for financial advisors, and owns Concierge Tax Preparation, LLC, which prepares income tax returns. Additionally, he is involved with an estate documentation firm, Estate Docs PMO. Barber & Associates provides advisory services to individual clients without account minimums, managing approximately $37.3 million across about 183 clients. The firm focuses on setting investment objectives and referring clients to third-party managed account programs while offering insurance and retirement-planning services through an affiliated insurance business.

Michael Osborne is a financial advisor at New Millennium Asset Management, Inc. with 18 years of industry experience. He holds a Series 65 designation and has been with New Millennium Asset Management since 2007. New Millennium Asset Management primarily serves individual and high-net-worth clients, managing discretionary portfolios with a combination of fundamental and technical analysis. The firm offers a range of financial planning and business consulting services, and is notable for its use of leverage and derivatives within client accounts.

Carol Greenwald is a financial advisor with Potomac Investment Company, holding Series 63 and Series 65 designations and over 42 years of industry experience. She has been with Potomac Investment Company since 1983. Potomac Investment Company provides discretionary investment management primarily to high-net-worth individuals, as well as trusts, estates, charitable organizations, and retirement accounts. The firm employs a conservative, long-term approach focused on capital preservation and growth above inflation, using fundamental and cyclical analysis and diversification to manage risk.

William Losey is a CFP® professional with five years of industry experience. He is the sole advisor at Bill Losey Retirement Solutions, LLC, an independent firm he has led since 2005. Bill Losey Retirement Solutions serves individual and high-net-worth clients with portfolio management, financial planning, and educational seminars. The firm provides non-discretionary advisory services through the SEI Asset Management Program, focusing on mutual funds and ETFs, and reported approximately $39.6 million in assets under management as of the end of 2025.