Stephen Ryan is a financial advisor with Raymond James & Associates in Eustis, Florida, holding a Series 66 designation and 19 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing and Merrill. 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, charitable organizations, and municipal entities, offering financial planning and consulting services through a variety of portfolio management styles and supported by affiliated research and sub-advisers.

Robert Luther is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior advisor for The Luther Group. Since beginning his career in financial services in 2002, he has focused on estate planning strategies, portfolio construction, and client reviews. He was the founding president of the Tri-County Estate Planning Council of The Villages, Florida, and is a member of the Estate Planning Council of Marion County, Florida. Robert holds several professional designations, including Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from Florida State University with a bachelor's degree and also completed a master's degree at the same institution. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Robert resides in Fruitland Park, Florida, with his family. His personal interests include adventure sports, biking, and chess.

Amanda Prescott is a Financial Consultant at Fidelity Investments, a role she has held since 2026. She joined Fidelity Investments in 2021 as a Planning Consultant, bringing with her prior industry experience. Her career includes positions as a Retirement Plan Consultant at VALIC Financial Advisors and Transamerica, as well as roles in banking and investment consulting at JPMorgan Chase and TD Ameritrade. Throughout her career, Amanda has focused on providing personalized financial guidance tailored to the goals and needs of her clients. She emphasizes listening and understanding individual priorities to help clients and their families work toward financial objectives and prepare for life's milestones. Outside of her professional work, Amanda enjoys activities such as going to the beach, attending concerts, fitness, exploring culinary experiences, kayaking, and spending time with her pets.

Tracy Belton is a financial advisor at Raymond James & Associates with 43 years of industry experience. She holds the Series 63 designation and has been with Raymond James since 2010. Belton also serves on the board of the Lake County Museum of Art. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and research resources.

Donald Oblazney Jr. is a financial advisor with Edward Jones in Leesburg, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Edward Jones since 2018 and previously spent 27 years at Adtalem Global Education. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices nationwide.

Greg Harmon is a Planning Consultant at Fidelity Investments, where he partners with clients and their Wealth Planners to assist in establishing personalized financial plans. His role involves supporting investment decisions across various objectives including growth, income, and legacy planning, collaborating within a team dedicated to clients' financial journeys. Greg has extensive experience in the financial advisory field, having held roles at multiple firms. His career includes positions as a Financial Advisor at Royal Alliance Associates, Edward Jones, Merrill Lynch, Compass Brokerage, UBS Financial Services, and A.G. Edwards & Sons. Additionally, he served as an Investment Consultant at Scottrade from 2009 to 2018. Outside of his professional work, Greg's personal interests include beach activities, boating, camping, music, and parenthood.

Benjamin Ow is a financial advisor with Morgan Stanley, holding Series 66 and Series 63 licenses and four years of industry experience. He has worked at Morgan Stanley and its Private Bank, as well as Fidelity Investments. Outside of finance, he is involved as a tester for Electronic Arts Orlando Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Deanna Price is a financial advisor at Edward Jones with nine years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Deroop Ramtahal is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Ronald Francis III is a financial advisor at Edward Jones in Wildwood, FL, holding the ChFC® designation and Series 66 license with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is co-owner of Palisade Property Group LLC, involved in real estate investment and rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and pension plans. The firm manages over $1 trillion in assets and offers a range of advisory strategies, tax-efficient services, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Matthew Wojcik is a financial advisor with Morgan Stanley, holding Series 65 and Series 63 licenses and bringing 34 years of industry experience. His prior experience includes a 22-year tenure at UBS Financial Services. Outside of his advisory work, he is the sole proprietor of Whoa Joe LLC, a real estate-related business in The Villages, Florida. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and economic modeling to assist clients in financial decision-making.

Anton Lohn is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, with prior experience at Bank of America, Merrill Lynch, and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team, with recommendations that may incorporate an ESG eligibility framework.

Scott Windsor is a CFP® professional with 34 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Citizens First Bank, Infinex Investments, BBTIS, BB&T Bank, Wells Fargo Clearing, and Prudential Equity Group. He is also involved with Seacoast Wealth & Trust in The Villages, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and institutional platforms, utilizing both proprietary and third-party investment strategies.

Colleen Arredondo is a Planning Consultant at Fidelity Investments, where she collaborates with clients to understand their overall goals and develop customized financial plans aimed at meeting their objectives. She emphasizes building partnerships rooted in trust and confidence. Her professional experience includes her current role at Fidelity Investments starting in 2022, where she initially served as a Financial Representative before becoming a Planning Consultant. Prior to that, she was an Associate Wealth Advisor at Ruggie Wealth Management from 2015 to 2022. Colleen holds a California Insurance License.

John Romano is a CFP® with 44 years of industry experience, currently affiliated with OSAIC since 2024. He previously spent over two decades at Securities America Advisors, Inc. and Securities America, Inc., and has been associated with Senior Capital Services since 1992. Romano is the author of the book *Distribution Strategies for Retirement*, which he sells through Amazon. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach is model-based, utilizing asset allocation, portfolio optimization, and risk management tools, supported by a large scale and a complex affiliated network.

William Spell III is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has 17 years of industry experience, including prior roles at Wells Fargo Clearing and Edward Jones. Outside of advising, he is involved as managing member of an occasional charter service that uses professional captains. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Lance Larkin is a financial advisor with Charles Schwab, holding a Series 66 credential and bringing 12 years of industry experience. His prior roles include positions at Ameriprise Financial Services and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

John Ivory Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has been with Raymond James since 2014. Outside of his advisory role, he serves as CEO of Ocala 4 Football, a nonprofit organization focused on developing local youth football players and enhancing their exposure to college programs. 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, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Catherine Harris is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 22 years of industry experience. She previously worked at Ameriprise Financial Services and Blueprint Wealth Management. Outside of her advisory role, she is a commissioned notary in The Villages, Florida. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Mark Dickerson is a CFP® professional affiliated with LPL Financial, bringing 29 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Destiny Wealth Partners, FSC Securities Corporation, and Morgan Stanley. He also owns Divorce Financial Analysis, LLC, a business focused on financial analysis related to divorce. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.