Stephen Maser is a financial advisor at Raymond James (USA) Ltd. with 11 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2014, also working with its Canadian affiliate, Raymond James Ltd., since 2008. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension plans, and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing, operating as a subsidiary within a larger financial services group with access to extensive market research and brokerage resources.

Jill Cramp is a financial advisor at Raymond James (USA) Ltd. with a Series 65 credential and one year of industry experience. She has been affiliated with the Raymond James group since 2018, including eight years with Raymond James Ltd. prior to her current role. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer that offers fee-based portfolio management through its Ambassador wrap-fee program and other advisory services to individuals, high net worth clients, trusts, pension plans, and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing, providing both discretionary and non-discretionary management supported by in-depth market research and a broad range of resources.

Mitchell Mastel is a CFA® charterholder with six years of experience at Raymond James (USA) Ltd. and Raymond James Ltd., following prior roles at National Bank Financial and Ernst & Young LLP. He serves as an Associate Financial Advisor and is involved in business activities including a directorship and treasury role at Pano Properties Ltd., a small business focused on renovating and selling single-family homes. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing through both discretionary and non-discretionary management, operating as a subsidiary within a larger financial services group with access to extensive market research and brokerage resources.

Jason Maccallum is a financial advisor at Raymond James (USA) Ltd. with nine years of industry experience. He has been with Raymond James Ltd. since 2016 and Raymond James (USA) Ltd. since 2017. Outside of his advisory role, he volunteers for charitable events with the St. Andrew's Society of Montreal and previously served as its president. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer that offers fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension and profit sharing plans, as well as corporate and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing, providing both discretionary and non-discretionary management primarily through its Ambassador wrap-fee program.

Kam Lun Kwan is a CFA® charterholder with six years of industry experience, currently serving as a financial advisor at Raymond James (USA) Ltd. He has been with Raymond James Ltd. since 2016 and works with the affiliated Canadian firm as an associate portfolio manager. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer that provides fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing, offering both discretionary and non-discretionary asset management through its Ambassador wrap-fee program.

Adam Skillen is a CFA® charterholder with six years of industry experience. He has been with Raymond James (USA) Ltd. since 2019 and has worked at its Canadian affiliate, Raymond James Ltd., since 2015. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer providing fee-based portfolio management and advisory services to a diverse client base, including individuals, high net worth clients, trusts, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing, offering both discretionary and non-discretionary management through its Ambassador wrap-fee program and third-party platforms.

April Dorey is a financial advisor at Raymond James (USA) Ltd. with 18 years of industry experience. She has been with Raymond James Ltd. since 2006 and Raymond James (USA) Ltd. since 2012. In addition to her advisory role, she serves on the advisory board of the Salvation Army in Victoria, BC. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer providing fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing while offering both discretionary and non-discretionary asset management through the Ambassador wrap-fee program.

Carlo Gagliardi is a Series 65-licensed financial advisor with Raymond James (USA) Ltd., bringing two years of industry experience. He has worked with Raymond James Ltd. since 2017 and previously spent ten years at BMO Nesbitt Burns Inc. He is also involved in life insurance sales and estate planning through Raymond James Financial Planning Ltd. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer serving individuals, high net worth clients, trusts, pension plans, and institutional clients. The firm offers both discretionary and non-discretionary asset management, emphasizing asset allocation, diversification, and long-term investing, supported by extensive market research and a broad range of advisory resources.

Melanie Gotts is a portfolio manager at Raymond James (USA) Ltd. with over two years of experience at the firm and more than thirty years in the industry, including prior roles at Nesbitt Burns Securities Ltd. and BMO Nesbitt Burns Securities Ltd. She holds Series 63 and Series 65 designations. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension plans, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing through both discretionary and non-discretionary management, supported by comprehensive market research and a broad range of brokerage and advisory resources.

Hubert Ouellet is a financial advisor with Raymond James (USA) Ltd., holding a Series 65 license and bringing three years of industry experience. He has worked at Raymond James Ltd. since 2021 and Raymond James (USA) Ltd. since 2022, with prior experience at TD Bank and H2O Innovation. Ouellet serves as a volunteer member of the Administrative Council for L'Association Professionnelle des Conseillers en Services Financiers. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension plans, and institutional investors. The firm emphasizes asset allocation, diversification, and long-term investing through both discretionary and non-discretionary management approaches.

Taylor Mactavish is a CFA® charterholder affiliated with Raymond James (USA) Ltd. and Raymond James Ltd., with 10 years of industry experience. They have served as an Associate Investment Advisor at Raymond James Ltd., the Canadian affiliate and parent company of Raymond James (USA) Ltd., since 2016. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension plans, and institutional clients. The firm combines access to extensive market research with both discretionary and non-discretionary asset management, emphasizing asset allocation, diversification, and long-term investing.

Ryan Cramp is a financial advisor at Raymond James (USA) Ltd. with five years of industry experience and holds a Series 65 designation. He has been employed with Raymond James Ltd. since 1999 and with Raymond James (USA) Ltd. since 2020. Outside of his advisory role, Ryan is also involved in insurance and estate planning through Raymond James Financial Planning Ltd. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer serving individuals, high net worth clients, trusts, pension plans, and institutional clients. The firm offers fee-based portfolio management emphasizing asset allocation, diversification, and long-term investing, operating as a subsidiary within a larger financial services group with access to extensive market research and advisory resources.

Tyler King is an Associate Financial Advisor at Raymond James (USA) Ltd. He holds a Series 65 designation and has three years of industry experience. Prior to his current role, he worked at Raymond James Limited since 2021 and was a full-time student from 2016 to 2021. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, and institutional accounts. The firm emphasizes asset allocation, diversification, and long-term investing, providing both discretionary and non-discretionary management supported by extensive market research and third-party platforms.

Colin Gurlitz is a financial advisor at Raymond James (USA) Ltd. with six years of industry experience. He holds a Series 65 designation and has worked at Raymond James Ltd. since 2017 and Raymond James (USA) Ltd. since 2019. Prior to that, he was with Credential Securities Inc and Servis Wealth Strategies Inc from 2011 to 2017. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer providing fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing, offering both discretionary and non-discretionary asset management within a broader financial services group.

Carson Hamill is a financial advisor with Raymond James (USA) Ltd., holding a Series 65 credential and six years of industry experience. He has worked with Raymond James Ltd. since 2017 and previously with Wesco International from 2013 to 2017. Outside of his advisory role, he serves as a board member for the Port Coquitlam Foundation, a community organization. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension and profit-sharing plans, and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing within both discretionary and non-discretionary account management.

Samuel Maccallum is a financial advisor with Raymond James (USA) Ltd., holding a Series 65 designation and nine years of industry experience. He has been with Raymond James (USA) Ltd. since 2017 and its Canadian affiliate, Raymond James Ltd., since 2016. Outside of his advisory role, he serves as a trustee for Stanstead College, assisting with alumni activities. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension and profit-sharing plans, and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing through both discretionary and non-discretionary account management.

Alexandra Woodfield is a financial advisor with Raymond James (USA) Ltd. and holds a Series 65 designation. She has nine years of experience, all with Raymond James, following a one-year period outside the industry. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer serving individuals, high net worth clients, trusts, pension plans, and institutional investors. The firm offers fee-based portfolio management through its Ambassador wrap-fee program, emphasizing asset allocation, diversification, and long-term investing with both discretionary and non-discretionary management options.

Shea Sullivan is a Financial Advisor Associate at Raymond James (USA) Ltd. with a Series 65 credential and has been in the industry since 2022. Prior to joining Raymond James, Shea was employed at the Granite Curling Club and was a full-time student. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer offering fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension and profit sharing plans, as well as corporate and institutional clients. The firm emphasizes asset allocation, diversification, and long-term investing, providing both discretionary and non-discretionary management through programs like Ambassador and third-party platforms.

George Mc Conechy is a Series 65 credentialed advisor with Raymond James (USA) Ltd., where he has worked since 2019. He has a total of seven years of industry experience and has been employed with Raymond James Ltd. in Canada since 2016. Outside of his advisory role, Mc Conechy is the author of the book *If Money Could Talk* and the inventor of the product Tie Master. He also serves as an educator for Joyful Retirement Seminars in Edmonton. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer that provides fee-based portfolio management and advisory services to individuals, high net worth clients, trusts, pension and profit-sharing plans, as well as corporate and institutional clients. The firm’s investment approach emphasizes asset allocation, diversification, and long-term investing, utilizing fundamental, cyclical, and technical analysis.

Brian Haier is a CFA® charterholder affiliated with Raymond James (USA) Ltd., with three years of industry experience. He previously worked at CIBC World Markets Inc., CIBC Investor Services Inc., and The Toronto-Dominion Bank. Raymond James (USA) Ltd. is a dually registered investment adviser and broker-dealer serving individuals, high net worth clients, trusts, pension and profit-sharing plans, as well as corporate and institutional clients. The firm offers fee-based portfolio management through its Ambassador wrap-fee program, emphasizing asset allocation, diversification, and long-term investing, with a majority of assets managed on a non-discretionary basis.