Nicole Kristine Irwin

Patrick Gallagher is a financial advisor with LPL Financial based in Marathon, FL, holding a Series 66 designation and 17 years of industry experience. Prior to joining LPL Financial in 2021, he held roles at several firms including Waddell & Reed Inc and various insurance-related and tax advisory businesses. He has also been involved in tax preparation and insurance agency activities through multiple business entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors and integrates technology tools for operational and research support.

Sarah Cizmas is a CFP® and Series 66-licensed financial advisor with Edward Jones, where she has worked since 2008, bringing 18 years of industry experience. She serves on the Florida Keys Firefighters Pension Board, overseeing the firefighters pension fund. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products supported by a large network of financial advisors and branch offices.

Steven Jackson is a financial advisor at Stifel with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment strategy methodology developed by its Investment Strategy Group to support asset allocation and financial planning analyses.

Melanie Ornelas is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and previously worked at Selective Insurance Company of America and The Law Offices of Halford G. Schuhmacher. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices. The firm offers a range of advisory and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Mark Whitney is a CFP® professional with 19 years of industry experience. He is currently with Wells Fargo Clearing, having joined in 2022, and previously worked at Bank of America, N.A. for 11 years. Outside of his advisory role, he holds ownership in 7 Mile Sunset, LLC, which manages a vacation home in Marathon, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Thomas Cooper is a financial advisor with Ameriprise in Marathon, FL, holding CFP® and ChFC® designations and over 34 years of industry experience. He has worked with Ameriprise and its affiliates since 2018, following six years at Investment Professionals Inc. Cooper also serves as a financial advisor with Centennial Bank. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports and comprehensive advisory, brokerage, and insurance solutions.