Dorothy Carpenter is a Financial Consultant at Fidelity Investments, where she has been working since 2019. She partners with clients to understand their financial objectives and develop customized financial plans tailored to meet their individual needs. Dorothy emphasizes a collaborative approach, beginning with a thorough understanding of each client's situation, followed by discussing strategies that prioritize their interests, and providing ongoing assistance to keep their financial plans on track. Dorothy has accumulated extensive experience at Fidelity Investments, holding various positions since 2011. Her roles have included Investment Consultant, Relationship Manager, Retirement Relationship Manager, Retirement Solutions Representative, High Net Worth Associate 1, and Financial Service Representative. This progression reflects her broad expertise in financial consulting and client relationship management. Outside of her professional commitments, Dorothy enjoys family activities, exploring culinary experiences as a foodie, watching football, horseback riding, and traveling.

Carl Johns Jr. is a CFP®-certified financial advisor with 23 years of industry experience, currently affiliated with Cetera. His career includes ownership and leadership roles in multiple financial and CPA firms, including Johns Benson & Johns CPAs PA and Johns Brothers Financial LLC. Outside of his advisory work, he serves as commodore and president of the Lake Weir Yacht Club, a community social organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform providing access to affiliated and third-party managers and offers various program structures under discretionary and non-discretionary authorities.

Gary Clancy is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. Outside of his advisory role, he is a partner in Healthcare Business Planning Group, LLC, which markets services to physician practices, and serves as Vice President of Ascendancy Insurance Solutions. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, utilizing various advisory programs and emphasizing individualized client plans.

Brenda Ferry is a financial advisor with Osaic Wealth, Inc. in Ocala, FL, holding Series 63 and Series 66 credentials and 23 years of industry experience. She worked at Woodbury Financial Services from 2011 to 2024 before joining Osaic in 2024. Osaic Wealth, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and third-party services to construct and manage portfolios across various investment types.

David Niles is a CFP® professional with 40 years of industry experience, currently serving as an advisor at LPL Financial since 1991. He is based in Oxford, FL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Chad Seman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in goals-based wealth management services with a focus on retirees. He assists clients with a range of financial topics, including retirement planning, portfolio management, tax minimization, family wealth management strategies, legacy planning, and saving for unexpected expenses. Chad's approach involves collaborating with clients to understand their priorities and create personalized financial plans aligned with their unique goals and life stages. He emphasizes the importance of a comprehensive perspective to help clients achieve and maintain a comfortable retirement lifestyle. He holds a Bachelor's Degree from Keiser University and completed an Accredited Certificate Program at the University of Central Florida. Chad also holds the Personal Investment Advisor (PIA) designation. Outside of his professional duties, he enjoys activities such as chess, cooking, football, music, reading, spending time with his family, traveling, and watching movies.

Richard Ness is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He holds a Series 66 designation and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. Ness is also an independent insurance agent for various companies through RJN Financial Solutions. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Jeffery Buzard is a financial advisor with Morgan Stanley in The Villages, FL, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets since 2000. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages substantial client assets and delivers services through both direct individual engagement and corporate financial planning agreements.

Donna Bowler is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2017. Prior to that, she was with Snowden Capital Advisors LLC and Snowden Account Services, Inc. from 2015 to 2017. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm utilizes proprietary research and tools to develop tailored recommendations and provides various planning options, including niche services such as business-owner transition and special-needs planning.

Darcie Caspersen is a financial advisor at Osaic with seven years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at FSC Securities Corp and several other firms. Caspersen also provides management consulting services to small business owners, focusing on financial analysis and strategic planning independent of her investment advisory activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment solutions supported by proprietary asset-allocation tools and third-party platforms.

Todd Dorman is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working in the financial services industry since 1986, initially with AG Edwards in Terre Haute, Indiana, where he started his career as a financial advisor. In October 1999, Todd helped open the Merrill office in Terre Haute and has served as a financial advisor there since. He has also held the position of Resident Director of the office for ten years. Todd's expertise encompasses cash flow strategies and customized wealth management solutions tailored to clients' risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. His client focus areas include college education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, tax minimization, and retirement income. He graduated from Southport High School in 1981 and attended Indiana State University from 1981 to 1985, where he earned a bachelor's degree in Business Management. During his time at Indiana State University, Todd played varsity tennis for four years. After college, he worked as a tennis teaching professional in Columbus, Indiana before starting his financial advisory career. Todd holds the Personal Investment Advisor (PIA) designation and remains involved in his community as the Assistant Varsity Tennis Coach at Terre Haute South High School. He resides in Terre Haute with his wife, Patty, and they have five daughters and one son.

Dustin Shaw is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2010. He began his career as a Financial Advisor at Raymond James & Associates from 2006 to 2008, followed by a role as Financial Advisor at Merrill Lynch from 2008 to 2010. In his professional practice, Dustin focuses on guiding clients through their financial decisions by understanding their personal and business stories and goals. He emphasizes honesty, experience, and communication as foundational elements in building client relationships and works alongside clients to achieve their definition of financial success. Outside of his professional responsibilities, Dustin enjoys boating, camping, golf, hiking, outdoor adventures, and traveling.

Gina Francisco is a CFP®-designated financial advisor with LPL Financial in Ocala, FL, bringing 24 years of industry experience. She has held positions with Renasant Bank, United Community Bank, Cetera, and Achieva Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining model portfolios, research, and technology-driven strategies.

Kenneth Dyer is a financial advisor with LPL Financial in The Villages, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining LPL Financial and Seacoast Bank in 2026, he worked at Infinex Investments, Inc. and Citizens First Bank for 19 years. Outside of his advisory work, he is a business owner of The Finishing Touch Home Decor, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by research and diverse investment strategies.

Robert Mclaughlin is a financial advisor with Osaic, holding a Series 66 designation and 24 years of industry experience. He previously worked at FSC Securities Corporation for 18 years before joining Osaic in 2023. Outside of his advisory role, he manages a sole proprietorship providing management consulting services to small business owners focused on financial analysis and corporate strategy. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes.

Eric Williams III is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His prior work includes roles at Regions Bank, LPL Financial, Wells Fargo Clearing, and BB&T Investment Services. Outside of his advisory duties, he serves as president of the congregation at St. John Lutheran Church. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of investment management and financial planning services through a large network of independent advisors. It serves individual, retirement plan, corporate, charitable, and institutional clients, offering a variety of portfolio management options and third-party manager access.

Todd Craig is a financial advisor with Wells Fargo Advisors in Ocala, FL, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his advisory role, he is a one-third owner of a real estate investment business in Ocala, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services using proprietary research and tools, serving clients who meet certain net-worth criteria.

Rommel Garcia is a financial advisor with J.P. Morgan Securities in Ocala, FL, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, PNC Investments, and TD Private Client Wealth. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to its recommendations.

Eric McSwain is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he leads branch operations and supports associates and clients in pursuing their overall goals. Before becoming Vice President, Eric held several leadership roles at Fidelity Investments, including Assistant Branch Leader from 2022 to 2024, Active Trader Service Team Leader from 2019 to 2022, and PAS Team Leader from 2012 to 2019. His experience reflects a progression through various leadership positions within the organization. Eric emphasizes instilling confidence and compassion in people to enable associates and clients to pursue their objectives.

Gregory Sullivan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, including discretionary and non-discretionary retirement plan services supported by research from Wells Fargo Investment Institute.