Do you plan to make work optional before age 65? I will use my tools and expertise to educate and empower you to be your own retirement hero, rather than try to convince you that you need to pay me or any other advisor year after year. While I provide investment advice, I do not offer ongoing portfolio management as a service and my only objective is to give you the best advice possible. My planning engagements typically consist of three to four meetings and span one to three months. We will work together to create a detailed plan for early retirement that doesn't ignore what you need to feel fulfilled in the present. You will be given free ongoing access to my planning software upon completion of our engagement and I will teach you how to navigate it. Visit my website today to learn more and don't forget when you are there to sign up to receive my free guide, The Top 10 Critical Mistakes People Make When They Plan To Retire Early.

Jerry Parrish is a financial advisor at JLP Investments with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Dempsey Lord Smith, LLC for 15 years before founding JL Parrish Investments Inc. and Parrish Insurance Agency, where he is a licensed insurance producer. JLP Investments serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities by providing fee-based portfolio management, financial planning, retirement plan consulting, and 1031 exchange assistance. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis across various instruments and manages many client accounts on a non-discretionary basis, often through monitored third-party managers.

Mario Payne is a CFP® professional with 18 years of industry experience, currently serving as the sole advisor at Toams Financial. Prior to founding Toams Financial in 2019, he worked for Raymond James Financial Services from 2013 to 2019. Outside of advisory services, Mr. Payne is an Independent Insurance Agent and holds minority ownership stakes in several technology and real estate platforms, including Let Bob LLC, a software app focused on investment strategies and trading automation. He is also the author of the book *The Relax Estate - The Relax Investor*. Toams Financial provides discretionary investment management and financial planning to individual and high-net-worth clients, using a mix of fundamental, technical, cyclical, behavioral, and charting analysis in a primarily long-term investment approach. The firm integrates AI-driven products such as the Let Bob AI Powered Momentum ETF (LETB) into client portfolios and manages a notably high client load for a single-advisor practice.

Nicholas Whitcraft is the sole advisor at NRW Asset Management, Inc., an independent registered investment adviser based in Jacksonville, FL. He holds a Series 65 designation and has 22 years of industry experience, including 19 years with his current firm. NRW Asset Management provides discretionary portfolio management to individual clients, focusing on diversified accounts primarily using exchange-traded funds and mutual funds, with occasional stocks and bonds. The firm employs strategic asset allocation based on Modern Portfolio Theory and a combination of fundamental, technical, and cyclical analysis to guide investment decisions, maintaining a small client roster for a more individualized advisory relationship.

Jeffrey Mcdermott is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Create Wealth Financial Planning LLC in Saint Johns, FL. His prior experience includes roles at Wealth Mode Financial Planning and TIAA-CREF Individual & Institutional Services. Create Wealth Financial Planning LLC serves individual clients, high-net-worth individuals, and small businesses by providing tailored investment management alongside comprehensive and project-based financial planning. The firm focuses on passive portfolio construction guided by Modern Portfolio Theory, using low-cost index funds and ETFs, and offers subscription-style ongoing planning with a one-year minimum commitment.

Loyd Pyle is a financial advisor at Section Integrity Wealth Management with five years of industry experience. He holds a Series 65 designation and previously worked for CSX Transportation for 13 years. Section Integrity Wealth Management serves individual clients, including high-net-worth individuals, offering comprehensive wealth management and financial planning with a focus on diversified, tax-aware portfolios. The firm provides discretionary account management, retirement and Social Security planning, and educational seminars, maintaining a small client roster with individually handled accounts.

Michael Macke is a CFP® professional with 22 years of experience in financial advising. He has worked at multiple firms, including Petros Advisory Services, Payne Capital Management, and Woman's Worth, before joining Eleuthera FP, LLC, where he has been since 2021. The firm provides investment management and financial planning services to individual clients, including high-net-worth households, and incorporates a mix of passive and active investment strategies guided by Modern Portfolio Theory. Eleuthera FP, LLC manages accounts on both a discretionary and non-discretionary basis and offers integrated services such as third-party manager selection and tax preparation.

Joshua Krafchick is a financial advisor at 369 Financial LLC with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including Standfast Asset Management, Cambridge Investment Research Advisors, Bank of America, and Merrill Lynch. Outside of advising, he is an author and public speaker. 369 Financial provides investment advisory and planning services to individual, high-net-worth, business, pension plan, and institutional clients. The firm offers discretionary portfolio management, wealth management, financial planning, and pension consulting, with a focus on client-specific investment policies and a range of investment strategies including ETFs, mutual funds, equities, fixed income, and limited cryptocurrency exposure.

Anthony Kurnellas is a financial advisor with OmniTrust Wealth Management, Inc. in Jacksonville, FL, holding a Series 65 designation and 21 years of industry experience. He has worked at OmniTrust Wealth Management since 2018 and previously held roles at Global Financial Private Capital, LLC and GF Investment Services, LLC. Kurnellas is also a licensed insurance agent and occasionally offers insurance products to clients. OmniTrust Wealth Management is an independent registered investment adviser serving individual and high-net-worth clients with portfolio management, third-party model-portfolio implementation, and financial planning. The firm uses a combination of analytical approaches and emphasizes long-term trading aligned with client risk tolerances, managing a large client base through a single advisor.

Mitchell Malone is a financial advisor at Riverwood Capital Advisors, LLC with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Riverwood Capital Advisors since 2007. Riverwood Capital Advisors provides discretionary, separately managed investment accounts primarily for high-net-worth individuals, trusts, estates, corporations, partnerships, non-profit organizations, and endowments. The firm employs fundamental analysis along with technical, cyclical, and statistical methods to create customized portfolios, offering both long-only and long/short strategies with ongoing supervision.

David Croney is the sole advisor at Advanced Financial Analysis, LLC, an independent firm based in Fleming Island, FL. He holds Series 63 and Series 65 licenses and has 17 years of industry experience. In addition to his advisory role, he operates a tax preparation business under the name Tax Taxi and is a licensed independent insurance agent. Advanced Financial Analysis, LLC provides personalized financial planning and non-discretionary investment management primarily to individual clients. The firm combines a consultative investment process with affiliated insurance services, maintaining a small client base and a solo-practitioner structure.

Gregory Chapman is a financial advisor at Flood Tide Financial LLC in Jacksonville, FL, holding a Series 66 designation and bringing 13 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch from 2012 to 2018. He is also a licensed insurance agent. Flood Tide Financial LLC provides ongoing portfolio management to individual and high-net-worth clients, focusing on asset allocation and selection across a range of investment vehicles. The firm employs a combination of cyclical and fundamental analysis and offers discretionary management with regular portfolio reviews.

Alberto Crespo is the sole advisor at Crespo Capital LLC in Jacksonville, FL, holding a Series 65 designation with nine years of industry experience. His work history includes two separate one-year periods at the University of Miami prior to and during the early years of Crespo Capital. Crespo Capital provides discretionary portfolio management and financial planning services to individual and high-net-worth clients, employing a combination of fundamental, quantitative, and technical analysis. The firm uses a variety of investment strategies, including active use of derivatives and options, and conducts regular portfolio reviews while accommodating client-imposed restrictions.

David Gottschalk is the sole advisor at Capital Asset Advisory, Inc. in Jacksonville, FL, holding a Series 63 designation and with 24 years of industry experience. He has worked at Capital Asset Advisory since 2000. He is also the owner and president of Guana View Properties, LLC, a holding company established to own the building housing his advisory firm. Capital Asset Advisory, Inc. provides fee-only financial planning and investment management services to individuals, trusts, small businesses, and institutional clients. The firm manages portfolios on a discretionary basis using documented investment policies and primarily invests in no-load or low-load mutual funds, ETFs, stocks, and bonds, with regular account reviews and custodial relationships through Schwab Advisor Services.

Jason French is the principal of French Capital Management, LLC, with 9 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Capital Financial Strategies, Minnesota Life Insurance Co, and Securian Financial Services. Outside of his advisory role, he serves as president of the Mandarin Republican Club. French Capital Management provides discretionary and non-discretionary investment management, consulting, and financial planning to institutional and retail clients worldwide. The firm emphasizes asset allocation and diversified, long-term portfolios, and offers specialized pension consulting services, including acting as an ERISA fiduciary.

April Murdaugh is the sole advisor at Woman to Woman Financial, an independent registered investment advisor based in Jacksonville, FL. She holds Series 63 and Series 65 licenses and has eight years of experience in financial advisory roles. In addition to her advisory work, she serves as a professor at St. John's River State College, teaching both online and on campus. Murdaugh is also the managing member and owner of Empowerment Financial Group Insurance Agency, LLC. Woman to Woman Financial offers fee-based investment advisory, financial planning, and consultation services to individuals, trusts, estates, charitable organizations, and small businesses. The firm employs a custom, tactical allocation approach with primarily non-discretionary portfolio management, incorporating fundamental, technical, and cyclical analysis in its recommendations.

Joseph Carey is a financial advisor at Slight Edge Wealth Strategies, LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms including Dynamique Capital Advisors, MVP Financial Services, and Alight Financial Advisors. Carey is also an associate managing director involved in insurance production activities. Slight Edge Wealth Strategies serves pooled vehicles and institutional accounts, offering portfolio management through third-party separately managed account platforms, retirement plan consulting, and educational financial-planning webinars. The firm uses fundamental analysis, diversified asset allocation, and risk management, typically employing passive, low-cost mutual funds and ETFs while incorporating fixed income, alternatives, insurance products, or tactical allocations as appropriate.

Cory Shrader is a CFP® and CFA® with 17 years of industry experience. He is the principal advisor at Black Creek Wealth Management, LLC, where he has worked since 2021. His prior experience includes roles at Madden Advisory Services, TD Ameritrade, Camarda Wealth Group, Strategic Advisers, and Fidelity Investments. Black Creek Wealth Management serves individual and high-net-worth clients with investment management, financial planning, and pension consulting. The firm employs a combination of technical, quantitative, and fundamental investment methods, including option strategies and market-timing approaches, and offers both discretionary management and active trading programs with performance-based fees.

Undre Griggs is a financial advisor at Obsidian Wisdom with five years of industry experience. He holds a Series 65 designation and has prior experience at NYLIFE Securities LLC and New York Life Insurance Co. In addition to his advisory work, Griggs is an economics teacher at Fleming Island High School. Obsidian Wisdom serves individual and business clients by providing customized financial planning, investment consultation, and portfolio management. The firm employs a primarily passive investment approach with diversification, low costs, and tax efficiency, while also offering active strategies and portfolio management for institutional clients.

William Newton is a financial advisor with Destiny Family Office in Tavares, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Sterling Newton, Inc. for 19 years before joining Destiny Wealth Partners and Destiny Family Office. Outside of his advisory role, Newton conducts seminars on mortgage and tax strategies and assists business owners and affluent families with life and annuity insurance. Destiny Family Office provides discretionary investment management, family office administrative support, and wealth management services to high-net-worth families and institutional clients. The firm emphasizes asset allocation and diversification across various investment vehicles and offers specialized retirement-plan consulting and sub-advisory services.