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.

Robert Liggero is a CFP® professional with 21 years of industry experience, currently serving as the sole advisor at Financial Prescriptions, LLC since 2012. Prior to and alongside his financial advisory role, he has worked as a physician assistant in a pediatric ICU at Baptist Medical Center since 1990. Financial Prescriptions serves individual and high-net-worth clients with comprehensive financial planning and consulting, coordinating investment management through third-party institutional managers. The firm employs a structured, multi-phase planning process and combines fundamental and technical analysis with both active and passive investment strategies.

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.

James Grysko is a financial advisor at Ascend Wealth Advisors, LLC with one year of industry experience. He holds a Series 65 designation and has prior work history at Swindell Bohn Durden & Phillips PL and PGA TOUR, Inc. Ascend Wealth Advisors provides investment supervisory services primarily to institutional and pooled-plan clients such as pension and profit-sharing plans, trusts, and endowments. The firm follows a value-driven, fundamental investment philosophy and offers client education programs alongside portfolio management.

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.

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.

Peter Laliberte is a financial advisor at Liberty Advisory Group, Inc. with nine years of industry experience. He holds a Series 65 designation and has worked at several firms, including Foundations Investment Advisors, LLC and Retirement Wealth Advisors. Laliberte is also a licensed insurance agent and engages in insurance sales alongside his advisory work. Liberty Advisory Group, Inc. provides investment advisory and financial planning services to individual and high-net-worth clients. The firm offers managed accounts, discretionary management programs, and may recommend third-party sub-advisors, tailoring advice based on clients’ goals, time horizons, and risk tolerance.

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.

Brandon Arthurs is a financial advisor with Arthurs Wealth Management in Ponte Vedra Beach, FL, holding a Series 66 designation and 18 years of industry experience. Prior to founding his independent firm in 2019, he worked at Merrill Lynch and Bank of America, each for about a decade. Arthurs Wealth Management serves individual and high-net-worth clients as well as business development companies, managing approximately $94.9 million across 129 accounts. The firm offers discretionary and non-discretionary portfolio management with a model-driven approach that incorporates fundamental analysis and Modern Portfolio Theory, including option-writing strategies and exposure to leveraged ETFs and derivatives.

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.

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.

Dennis Yamasaki is a financial advisor at Affirmative Financial Services in Jacksonville, FL, holding a Series 65 credential with 12 years of industry experience. He has operated Affirmative Financial Services since 2013, managing both investment advisory and insurance brokerage activities focused on life, health, disability, Medicare, and long-term care insurance. Affirmative Financial Services provides investment advisory services to individuals, families, trusts, ERISA plans, and closely held businesses through a solicitor model, helping clients select SEC-registered investment managers for asset allocation and portfolio management. The firm gathers client information through interviews and risk assessments and performs ongoing reviews to monitor and adjust investments, while insurance sales remain a significant part of the principal’s activities.

Hunter Smith is a financial advisor with Cornerstone Investment Services in Jacksonville, FL. He holds a Series 66 designation and has two years of industry experience. Prior to his current role, he worked at Ameriprise Financial Services and Smith and Sons Capital Partners LLC. Outside of his advisory work, Smith owns and operates Cornerstone Outfitters LLC, a licensed outdoor guide service offering hunting, fishing, and nature tours. Cornerstone Investment Services serves individual investors, high-net-worth clients, and retirement plans, providing discretionary and non-discretionary asset management along with ERISA plan advisory services. The firm develops investment programs based on documented policy statements tailored to client goals and employs a range of strategies including fundamental and technical analysis, with a focus on asset allocation and portfolio monitoring.

James Dehoff is the sole advisor at DeHoff Wealth Advisory LLC in Jacksonville, FL, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior roles include positions at Fidelity Investments, Flagstar, Infinex Investments, Allen Wealth Strategies, and Geico. Outside of advisory work, he serves as a client advocate at SS&C, assisting financial advisors with investment software. DeHoff Wealth Advisory LLC provides continuous wealth management and financial planning services to individuals and high-net-worth clients, focusing on asset allocation and diversification through a mix of passive and active investment vehicles. The firm emphasizes long-term portfolio construction alongside integrated financial planning covering cash flow, retirement, tax, estate, and business strategies.