James Pender is a financial advisor with Raymond James Financial, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at CUSO Financial Services, SunTrust Investment Services, LPL Financial, Access National Bank, and Investment Professionals, Inc. Outside of his advisory work, he serves as Vice President of the DC Society Sons of the American Revolution, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using detailed analytical tools and supports municipal and public finance advisory work through a unique affiliation.

Horace Daniel Sr. is a financial advisor with Raymond James Financial Services Advisors Inc. based in Kensington, MD. He holds the Series 66 designation and has 14 years of industry experience. His previous roles include positions at LPL Financial and CUNA Mutual Group. Outside of financial advising, he has extensive experience as a real estate broker, owning Urban Homes Realty since 1997. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to model potential outcomes, supporting clients through various advisory programs and institutional consulting services.

Mary Gouveia is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining Raymond James, she worked at several firms including Fidelity Brokerage Services LLC, Merrill, and SunTrust. Outside of her advisory role, she was the owner of A La Carte Event Rentals Inc., where she managed the business books and records. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual investors, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

John Gagliardi Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities. He also serves as a FINRA arbitrator on a part-time basis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers municipal advisory services alongside its broader institutional capabilities.

David Plasse is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, M&T Securities, and SunTrust advisory services. He is also involved with Lafayette Credit Union in an investment-related capacity. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored planning and non-discretionary consulting using advanced analytical tools and supports both advisory programs and institutional portfolio management.