Penny Di Giovanna is a CERTIFIED FINANCIAL PLANNER™ professional with nine years of industry experience. She is the principal of Financial Planning by Design, an independent, fee-only registered investment adviser. Prior to founding her firm, she held roles at J.W. Cole Advisors, Fidelity Brokerage Services, and Raymond James & Associates. She also owns Wise Penny Consulting LLC, which provides non-investment consulting services related to family governance, financial education, and family transitions including divorce. Financial Planning by Design serves individual and high-net-worth clients through comprehensive financial planning and discretionary investment management. The firm uses a combination of passive and active strategies based on Modern Portfolio Theory and offers tailored planning across various financial areas, including retirement, tax, and estate planning.

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® professional with 20 years of industry experience, operating as the principal of Zonka & Associates, Inc., an independent advisory firm. Prior to founding the firm, he worked with the Brevard County Property Appraiser and currently holds management and ownership roles in several aviation-related businesses, including Shelair Aviation as a real estate development manager. Zonka also serves as president of Caxy Aerospace, Inc., and is a part-owner of Cherokee Wings, LLC. Zonka & Associates provides investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, employing a combination of fundamental and technical analyses, and offers specialized pension consulting and institutional portfolio management services.

Luis Sanchez is a CFA® charterholder with seven years of industry experience. He is a principal at LVS Advisory LLC, where he has worked since 2018, and also serves as Managing Partner and 50% owner of Greater Wealth LLC, a wealth management firm founded in 2023. His prior experience includes roles at Credit Suisse Securities, Anaxi Capital Management, Overlook Rock Asset Management, and self-employment. LVS Advisory provides discretionary asset management, consulting, and financial planning services to individuals and institutional clients. The firm’s investment approach combines fundamental research with value and growth principles to focus on long-term capital preservation and compounding across diverse asset classes.

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 in Melbourne, FL, holding the ChFC® designation and Series 63 and 65 licenses with 16 years of industry experience. Prior to founding Critical Mass Financial in 2025, he worked at Money Professionals Group LLC for 16 years and currently serves as an analyst for Northrop Grumman Systems Corporation. He also owns and operates a tax and insurance services business. Critical Mass Financial provides discretionary and non-discretionary asset management and financial planning services primarily to individuals and high-net-worth clients. The firm employs fundamental and technical analysis within a portfolio allocation framework based on modern portfolio theory, offering strategies including 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 and CACI International. Seven Pines Capital, LLC provides investment advisory and pension consulting services to individuals, high-net-worth clients, retirement plan sponsors, and institutional clients. The firm employs a range of strategies including fundamental, technical, and charting analysis, and is noted for its use of options and derivatives as well as its ERISA-focused pension consulting services.

Drew Faloon is a CFP® with seven years of industry experience, currently serving as the sole advisor at Trailblazer Wealth Management. His prior roles include positions at Intrepid Wealth Partners, NY Life, and Eagle Strategies. Outside of advisory work, Mr. Faloon owns an outdoor guiding business and serves on the board of the Trails and Open Space Coalition, a nonprofit focused on preserving open spaces in Colorado Springs. Trailblazer Wealth Management provides discretionary portfolio management and financial planning to individuals, families, trusts, high-net-worth clients, and businesses. The firm employs a goals-based, model-driven approach, managing model portfolios on a discretionary basis and overseeing third-party investment strategies.

Derek Notman is a financial advisor with Intrepid Wealth Partners, LLC, holding the CFP® and ChFC® designations and possessing 19 years of industry experience. His prior roles include authoring the Bloomberg CFP Preparation Course Lesson Plan and working at firms such as Love Your Finances and Notman, Muehl Associates. Outside of advisory work, he co-hosts "Rethink: The Financial Advisor Podcast," a show focused on industry education and practice management, and is an owner of Couplr, Inc., a SaaS company that connects financial advisors and consumers, as well as co-owner of REBL Group Holdings LLC, a peer support and networking community for entrepreneurs and fathers. Intrepid Wealth Partners serves individuals, including high-net-worth clients, pension and profit-sharing plans, corporations, and other advisors, providing comprehensive financial planning, discretionary portfolio management, sub-advisory services, and pension consulting. The firm employs a personalized, goal-based approach called “Results by Design” that aligns asset allocation with clients’ time horizons, risk tolerance, and objectives, utilizing stocks, bonds, ETFs, mutual funds, and third-party managers in discretionary accounts managed on a digital platform with automated rebalancing.

Rita Medaglio Barrera is the sole advisor at BMR Global Wealth Management Group, Inc., an independent firm based in Melbourne, FL. She holds Series 63 and Series 65 licenses and has seven years of industry experience. 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. provides portfolio management and comprehensive financial planning services, including a specialized divorce financial-planning practice. The firm serves individuals, trusts, estates, charitable organizations, and business entities, managing approximately $1.05 million in discretionary assets with a focus on globally diversified, passively structured portfolios.

Luke McCarty is a CFP® and Series 66 licensed financial advisor with 11 years of industry experience. He is the principal of McCarty Wealth, LLC, an independent firm he founded in 2024. Prior to this, he held roles at McPherson Financial Group/World Equity Group/Prostatis Fin, Umb, and Financial Solutions of Raymond James. He is also a licensed insurance agent and owner of McCarty Wealth Insurance Services LLC. McCarty Wealth provides portfolio management and financial planning services to individuals and high-net-worth clients, utilizing a range of investment strategies including discretionary and non-discretionary management. The firm integrates insurance offerings alongside its investment services and maintains custody at Schwab Institutional.

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.

Warren Burger is a financial advisor at Luminary Financial Advisors, LLC with six years of industry experience. He holds a Series 65 designation and worked at TPICAP for nine years before joining Luminary Financial Advisors in 2019. Luminary Financial Advisors provides investment management and financial planning services to individual clients, focusing on low-cost, tax-efficient portfolios primarily constructed with index mutual funds and ETFs. The firm offers project-based and subscription planning across various financial needs and uses a net-worth based annual fee model rather than percentage-of-AUM fees.

Joseph Morgan is a CFP® and CFA® with 16 years of industry experience. He has worked at JWM Wealth Management, LLC since 2015. Morgan operates out of Melbourne Beach, FL. Best Financial Life serves individual and high-net-worth clients with comprehensive financial planning and portfolio management. The firm employs a Modern Portfolio Theory-based investment approach, emphasizing passive, low-cost mutual funds supplemented by active management in select markets, and offers a range of services from planning and coaching to ongoing portfolio supervision through an online dashboard.

James Eppes is the principal of Eppes Wealth Management in Satellite Beach, FL. He holds a Series 65 designation and has one year of experience in financial advising. Prior to founding Eppes Wealth Management, he worked at FARO Technologies and U.S. LawShield, among other roles. Outside of advising, James is a part-time freelance copywriter. Eppes Wealth Management provides investment management and financial planning services to individual clients, including high-net-worth individuals, on a fee-only fiduciary basis. The firm employs modern portfolio theory using a mix of passive ETFs and mutual funds alongside fundamental analysis to build diversified portfolios.

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.

Barbara Nooney is a CFP® and PFS™ with 10 years of experience, currently serving at Flavin, Nooney & Person since 2008. She is also a partner in an accounting firm where she works as a CPA. Flavin Financial Services provides discretionary wealth management and retirement-plan advisory services to individuals, trusts, small businesses, and plan sponsors. The firm manages approximately $205 million in assets and employs a fundamental analysis approach to portfolio construction, utilizing ETFs, mutual funds, individual stocks, and bonds tailored to client goals.

Julie Decker is a financial advisor with Investment Management Services Group, LLC in Melbourne, FL, holding a Series 65 designation and 18 years of industry experience. She has been with Investment Management Services Group since 2007 and is also involved with IMS Partners. Outside of her advisory role, she serves as president of an insurance agency. Investment Management Services Group provides discretionary portfolio management primarily to individual clients, including both high-net-worth and non-HNW households. The firm uses a combination of fundamental, technical, and cyclical analysis to manage diversified, equity-focused portfolios targeting income, muni-income, and growth/income objectives.

Adam Rall is a CFP® professional with four years of industry experience, currently serving as an advisor at Rall Capital Management, Inc. in Rockledge, FL. He has been with the firm since 2013. Rall Capital Management provides wealth management and comprehensive financial planning services to individual clients, including high-net-worth households. The firm employs an investment approach based on Modern Portfolio Theory, focusing on diversified, tax-conscious portfolios managed primarily on a long-term, discretionary basis.

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.