Ryan Luzod is a CFP® and ChFC® with 25 years of experience in the financial services industry. He has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions.

Julie Sevelius is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 23 years of industry experience. She has served in the US Army since 2002 and has been with Raymond James & Associates since 2015. Outside of her advisory work, she is affiliated with the Academy At the Lakes. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and public entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.