Zechariah Montera is a CFP® with eight years of industry experience, currently affiliated with LPL Financial. His work history includes multiple roles within LPL Financial and prior experience at Western Governors University, Colorado Christian University, the Lakewood Recreation Department, and Sage Outdoor Adventures. He also holds a Notary Public commission and serves as an independent agent for Penn Mutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management solutions, serving individuals, retirement plans, banks, trust companies, and other institutions.

David Haslam is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2011. He focuses on assisting individuals, families, and businesses with financial planning strategies that include retirement planning, legacy planning, tax minimization, and portfolio management services. David integrates a disciplined approach and leverages the resources and specialists at Merrill Lynch to tailor financial strategies that align with each client's goals and risk tolerance. Before joining Merrill Lynch, David gained 30 years of experience in business finance, management, and development across government and private sectors. He holds a Bachelor's Degree in Business from St Leo University and carries the Personal Investment Advisor (PIA) designation. His commitment is to provide service in a family office type environment that meets client needs and exceeds expectations. Outside of his professional work, David is involved with the United Way of Marion County. He enjoys boating, cooking, fishing, music, photography, traveling, and spending time with his wife Tammi and son Gavin, often attending sporting events and outdoor activities throughout Florida.

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 associated with Cetera. He holds owner and financial professional roles in multiple entities, including Johns Benson & Johns CPAs PA and Johns Brothers Financial LLC. Outside of his advisory work, Johns serves as commodore and president of the Lake Weir Yacht Club, a community social organization. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting solutions, operating a multi-manager platform that allows advisors to implement various investment strategies under discretionary and non-discretionary authorities.

Gary Clancy is a financial advisor with Equitable Advisors in The Villages, FL, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of his advisory work, he is a partner in Healthcare Business Planning Group, LLC, providing marketing services to physician practices, and serves as Vice President of Ascendancy Insurance Solutions. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm employs a model-centric approach, often leveraging third-party asset managers and advisory programs, and provides ERISA fiduciary services without sponsoring its own wrap fee program.

Brenda Ferry is a financial advisor at Osaic with 23 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services for 13 years before joining Osaic. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, utilizing tools such as risk-tolerance questionnaires and efficient frontier analysis.

David Niles is a CFP®-certified financial advisor with LPL Financial, where he has worked since 1991, bringing 41 years of industry experience. He is based in Oxford, 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 financial planning and investment management services through a large network of advisors, utilizing a variety of portfolio strategies and technology tools.

Chad Seman is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personal finance, investments, and wealth management. He serves as a resource for clients on a wide range of financial matters, including general investing, retirement planning, and preparing for unexpected expenses. His experience encompasses retirement planning, portfolio management, tax-efficient investing, estate planning services, risk management, and client segments such as college education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, portfolio management services, tax minimization, and retirement income. Chad works closely with clients to develop financial plans tailored to their unique goals and life stages. Chad holds a Personal Investment Advisor (PIA) designation, an Accredited Certificate from the University of Central Florida, and a Bachelor's Degree from Keiser University. Outside of his professional role, he has interests in chess, cooking, football, music, reading, spending time with his family, traveling, and watching movies.

Richard Ness is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 15 years of industry experience. He previously worked at Thrivent Investment Management before joining Cambridge in 2015. In addition to his advisory role, Ness operates as an independent insurance agent through RJN Financial Solutions. Cambridge Investment Research Advisors serves a diverse client base, including individuals and institutional clients such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals managing a multi-billion dollar asset base.

Jeffery Buzard is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a variety of advisory programs supported by a structured planning process and firm-approved tools.

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 with OSAIC, holding Series 63 and Series 65 designations and seven years of industry experience. Prior to joining OSAIC in 2023, she worked at FSC Securities Corp from 2019 to 2023. Outside of her advisory role, Caspersen manages a consulting business assisting small business owners with financial analysis and strategic planning. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform that supports both individual and institutional needs.

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® with 24 years of industry experience, currently affiliated with LPL Financial in Ocala, FL. Her career includes roles at Renasant Bank, Cetera, and United Community Bank, among others, with ongoing service at LPL Financial since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a wide range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies.

Kenneth Dyer is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked with Infinex Investments, Inc. and Citizens First Bank, each for 19 years, and is currently associated with Seacoast Bank under LPL Financial. Outside of his advisory role, he is the owner of The Finishing Touch Home Decor, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, combining a significant advisory platform with extensive non-advisory financial services.

Robert Mclaughlin is a financial advisor at OSAIC with 24 years of industry experience. He holds a Series 66 designation and has previously worked at FSC Securities Corporation and Morgan Stanley DW Inc. Outside of his advisory role, Mclaughlin provides management consulting services to small business owners to help them analyze financial strengths, coordinate with professional advisors, and prepare businesses for sale. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by various tools and a multi-advisor platform.

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 at J.P. Morgan Securities with 17 years of industry experience. He holds the Series 66 designation and has worked at several firms including Bank of America, Merrill Lynch, and PNC Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting with a focus on a rigorous advisory process supported by centralized due diligence and a broad range of investment capabilities.