Kimberly Westerfield is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 21 years of industry experience. She has worked at various Schwab entities since 2004, including Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a hybrid model combining non-discretionary advice with access to discretionary separately managed accounts and uses a multi-asset, model portfolio investment approach.

Amanda Rattleff is a Financial Advisor at Merrill Lynch Wealth Management. She partners with individuals and families to understand their priorities and create tailored financial strategies that support their long-term goals. Her work involves building meaningful relationships and helping clients navigate important financial decisions. Her approach includes investment strategies, retirement planning, and preparing for life's uncertainties, with a focus on clarity, confidence, and adaptability. Amanda's areas of expertise include education planning, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. Amanda holds a Bachelor's Degree from the University of Maine System and the Personal Investment Advisor (PIA) designation. Outside of her professional work, she enjoys baseball, cooking, fishing, hiking, horseback riding, hunting, reading, running, and spending time with her family.

Tyler Jackson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Tracy Pick is a financial advisor with Mass Mutual Investors Services in Ocala, FL, holding 32 years of industry experience. Prior to joining Mass Mutual Investors Services in 2017, she worked at Metlife Securities Inc. from 1996 to 2017. Pick is also president and agent of Tri-Square Wealth, an insurance and life settlements firm in Ocala. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive planning using firm-approved software and educational seminars, serving a broad client base including high-net-worth individuals.

Gerald Long is a financial advisor with LPL Financial who holds the CFP® and ChFC® designations and has 35 years of industry experience. He has been with LPL Financial since 2010 and has also worked at RiverSource since 1991. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Jeffrey Graunke is a financial advisor with LPL Financial in Lady Lake, FL, holding the ChFC® designation and Series 63 and 66 licenses. He has 22 years of industry experience, including five years at National Planning Corporation before joining LPL Financial in 2017. He is also the managing member of Graunke & Hentz Wealth Management LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research from various sources.

J Heaton is a ChFC® and holds a Series 66 license, with 18 years of experience in the financial industry. He has worked at Raymond James & Associates since 2016. Outside of his advisory role, he owns and operates Muck Me Farm, LLC, where he raises livestock for show and sale. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles supported by affiliated research and sub-advisers.

Joe Marone is a Financial Consultant currently working with Fidelity Investments since 2020. In this role, he collaborates with clients to develop and maintain financial plans aimed at achieving their retirement objectives. His approach emphasizes teamwork and focuses on aligning investment strategies with clients' lifestyles throughout their retirement years. Joe's professional experience spans several roles in the financial services industry. Prior to his current position, he served as Vice President of the Private Client Group at Fisher Investments from 2018 to 2020. He also held the positions of Branch Manager and Investment Consultant at TD Ameritrade between 2014 and 2018, and from 2008 to 2014, respectively. Early in his career, he worked as an Associate Financial Consultant at Laidlaw & Company, UK Ltd. from 2005 to 2008. He holds a California Insurance License. No additional information about his education or personal interests has been provided.

Beatriz Dyer is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. She previously worked at T. Rowe Price and spent nine years in retirement before returning to the financial sector. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with notable use of model portfolios and AI-driven methodologies.

Erik Barnett is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Michael Greiner is a Wealth Management Advisor and managing partner of Hart, Greiner & Associates within Merrill Lynch Wealth Management at the Ocala, Florida office. He specializes in providing personalized financial strategies by understanding the unique goals of individuals, families, and businesses. His approach includes regular reviews to track client progress and adjust strategies based on life changes. Michael holds a Bachelor's degree in Economics from the University of Florida and has obtained the CERTIFIED FINANCIAL PLANNER™ (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation. With experience as a First Vice President and Senior Portfolio Advisor at Merrill Lynch, he offers expertise in portfolio management, retirement planning, and family wealth strategies. He is involved in the community, including participation with the United Way of Marion County. Michael resides in Ocala with his wife and four children. In his personal time, he enjoys golfing and spending time with his family.

Fredrick Tribble is a Series 66-licensed financial advisor with Raymond James & Associates, where he has worked since 2014. He has 26 years of industry experience. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets, serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, supported by a wide range of portfolio management styles and affiliated research.

Colin Kowalski is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides research and capital markets services through its platform.

Brian Casey is a financial advisor with LPL Financial in Ocala, FL, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Ameriprise from 2015 to 2024. Outside of his advisory role, he is the owner of Jen Homes LLC, a business unrelated to investments. LPL Financial serves a diverse client base including individuals, retirement plans, and institutional clients through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, supported by model portfolios and research from both in-house and third-party sources.

Grant McMahon is a financial advisor with Equitable Advisors in Ocala, FL, holding a Series 66 designation and over 21 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked at AXA Advisors. In addition to his advisory role, McMahon is a managing partner and director of Private Wealth Partners LLC, a marketing and business management entity. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model leveraging multiple third-party asset managers and offers both advisory and brokerage/insurance channels.

Deborah Beck is a financial advisor at Thrivent Investment Management with 16 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated entities since 2009. Outside of her advisory role, she serves as Secretary on the Board of Directors and Finance Committee Member and Stewardship Ministry Director at Amazing Grace Lutheran Church, in addition to holding leadership roles within the Florida-Georgia District LCMS. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive, goal-based analyses that cover retirement, tax, estate, and other financial planning topics without including implementation. The firm offers integrated planning alongside managed account services through its WealthPlan program and maintains a distinct approach by not providing institutional portfolio management or adviser selection.

Jason Clark is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 11 years of industry experience. He previously worked at Raymond James & Associates for seven years before joining Wells Fargo in 2022. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party databases with diversification principles and modern portfolio theory in its investment approach.

Jeffrey Sustarsic is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Edward Jones for 22 years before joining Wells Fargo Clearing in 2023. Outside of his advisory role, he serves on the City of Leesburg Recreation Advisory Board. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michael Hart is Senior Resident Director of the Ocala, Florida office of Merrill Lynch Wealth Management and a managing partner of Hart, Greiner & Associates. He also serves as a Portfolio Manager within Merrill's Investment Advisory Program. In these roles, Michael works with families, individuals, retirees, small businesses, and foundations to provide customized wealth management services, including investment management, tax minimization strategies, retirement planning, employee benefits, liabilities management, and estate planning services. Michael began his career after graduating from the University of Florida in 2006, working as an Investment Advisor for a Fortune 1000 Asset Management Firm in Tampa, Florida. There, he helped individuals and small businesses build and manage portfolios aligned with their financial goals and served as a Subject Matter Expert on financial, education, and retirement planning topics. He joined Merrill Lynch in 2011, returning to his hometown of Ocala with his wife, Sarah, and their four children. Michael holds a Master’s Degree in Personal Financial Planning from the College for Financial Planning and earned the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. He is also a Chartered Retirement Planning Counselor℠ designee. He supports the community through involvement with organizations such as the Boys & Girls Club of Marion County and the College of Central Florida Foundation, where he currently serves on the Executive Committee. His personal interests include basketball, golfing, running, and tennis.

David Nesbitt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. His prior roles include positions at LPL Financial and Cambridge Investment Research, Inc., and he has operated Nesbitt Financial Services since 2006. He serves as a volunteer treasurer for a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions across multiple custody platforms.