In a world where personal financial issues become increasingly complex, we can help discern the true from the false, the practical from the useless, the probable from the merely possible, and the applicable from the merely interesting. Your family’s unique circumstances can be better served with such expertise. We are investors, not speculators. We manage our clients'​ investment portfolios but we do not “play the market,” try to time the market or otherwise gamble with our client’s money. We are realistic. We do not believe in following investment gurus. We consider the mainstream financial media as mostly a source of entertainment and not a meaningful aid to sound decision-making. We are paid only by our clients to perform our duties as fiduciaries. There are no sales incentives, contests, kickbacks, or any other third-party compensation. We are compensated based upon how your portfolio performs, and are not paid based on transactions. We are not restricted to a list of products selected by an employer, such as a bank, insurance company or brokerage firm. This maximizes our objectivity. You should never wonder if what we recommend is in your best interest or ours. We get paid only for as long as you want us to advise you. Our fees are fully disclosed. In each quarterly report, you will receive a fee calculation, so you know exactly what you are paying us. We seek to minimize all of your other costs whenever it is advisable and possible to do so.

J. Biance Financial focuses on helping pre-retirees and retirees create ideal strategies for retirement. The uncertainty and volatility in the world today can make this season of life challenging. Whether it is market risk, outliving your money, or being a burden on your children, retirees and soon to be retirees, face decisions that are specific to their state in life. At J. Biance Financial we emphasize the preseration of our clients' life savings, the optimization of retirement income, and passing on assets in the most efficient manner possible. Investing involves risk, including the potential loss of principal. Any references to protection benefits, generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1879168 - 7/23

S2K is a financial services firm headquartered in Orlando. The firm’s mandate is focused across three broad areas including: retail distribution, credit asset management and advisory, and servicing.

Compass Mortgage LLC, NMLS #322254 is a locally owned and operating, full-service, mortgage brokerage firm located in the heart of Lakeland, FL. Compass was founded on one basic principle: integrity. We believe if we are honest and dependable in all that we do, our clients will consider our services now and into the future. We are committed to helping our clients in finding the right mortgage products for their specific needs. Whether you are purchasing a home for the first time or investing in a rental property, we make the loan process simple and straight forward by offering you the latest in financial tools and expert advice. * Se habla Español.

Oxford Advisory Group is a private, family-owned retirement planning & wealth management firm that specializes in helping pre-retirees and retirees navigate their retirement years. From humble beginnings, Oxford quickly flourished into what it is today: a family firm rich in tradition and focused on enriching lives. The Oxford team members live in the communities we serve. Our communities are our families and when it comes down to it, it's all about family. We welcome all new clients into the fold as family members because, in the end, we believe family is what's most important.

Our firm has helped individuals and families manage their full financial picture for nearly 40 years. What we offer is not much different than what other financial advisors might be selling: Comprehensive Financial Planning, Investment advice, Asset Management, Insurance Planning, Tax Planning, Estate Planning, Business Solutions Planning, and so on. However, what you may find to be unique – is why we do it. Our team comes in every day and works diligently on your behalf because we have the tools and processes in place to give you and your family a sense of security, by way of financial planning. Peace of mind is essentially at the core of why anyone desires to set forth a plan. Whether you come to the table with a plan in mind that needs validation – or you need help putting together a comprehensive financial plan – the outcome should be a sense of security. The sense of security doesn’t come because we have mystically removed all risk and answered all the financial unknowns. However, a fully implemented financial plan would mitigate many financial risks. It would allow us to plan for the unknowns and stress test various scenarios –In order to project the potential outcomes. We are in business for you; to provide you, your family, your business and your employees with peace of mind. That is our why. The why drives the how – and how we do it is by acting in your best interest. We have no affiliation to large banks or brokerage firms; we remain transparent and honest, committed to developing trustworthy relationships. The word fiduciary was rooted in our culture long before it became a requirement in the financial services industry. Simply put, a fiduciary standard encompasses the method in which we have always served our clients. We are fiduciaries first, so we believe we are ethically, morally, and legally obligated to put your interests ahead of our own. This has always been a non-negotiable for us and continues to be.