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Bonnie Harper is vice president of private wealth consulting at Raymond James.

Neal Richardson is a director in Baker Tilly's development and advisory community practice.

Sonya Swink is a freelance reporter specializing in finance coverage.

Margaret Williams is Director of Product Management for Insurance and Utilities at EarthDaily. She leads the development of data-driven solutions that support underwriting, risk assessment, and decision-making, with a focus on applying geospatial analytics to real-world insurance and infrastructure challenges.

Aaron Cheiffetz is an executive strategist with CDW, where he focuses on how structural shifts in markets and technology reshape banking and capital markets. He holds an MBA from Wake Forest University.

Robert Kazdin worked for 20 years in housing finance and mortgage regulation. He served as a director of mortgage credit pricing at Fannie Mae, as a senior examiner at the Federal Housing Finance Agency, or FHFA, and as a regulator at the Office of Thrift Supervision. He is currently retired.