Jessica Llorens is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for three years before joining Merrill in 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Blake Heyer is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation and with one year of industry experience. Prior to joining Morgan Stanley, he worked at Kappa Alpha Theta and Wolf Hospitality. He attended Florida State University and has experience in athletic club and educational environments. Morgan Stanley Wealth Management provides financial planning and investment advisory services to individuals and institutional clients. The firm employs a structured planning process using advanced modeling tools and manages approximately $2.74 trillion in client assets.

Aidan Shaw is a financial advisor with Morgan Stanley in Tampa, FL. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Instacart and Florida Financial Advisors and spent several years in full-time education. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by firm-approved tools and offers a broad range of retail and institutional investment services.

Cindy Capezzuti is a financial advisor with Ameriprise in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at Morgan Stanley Smith Barney from 2011 to 2019 before joining Ameriprise Financial Services, Inc., and later Ameriprise. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

James Hough is a CFP® and ChFC® with 42 years of industry experience. He has worked at firms including Mass Mutual Investors Services, Trustmont Advisory Group, Questar Asset Management, and Woodbury Financial Services before joining OSAIC in 2024. Hough also manages a fixed insurance agency that provides life insurance products and oversees a financial services group involved in marketing and recruitment. OSAIC 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 employs a model-based investment approach focused on asset allocation and portfolio optimization, with options for discretionary and advisor-managed strategies.

Alexander Russello is a Series 66 registered financial advisor with seven years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Grow Financial Services, Cuso Financial Services, and Grow Financial Federal Credit Union. Outside of advising, Russello has extensive experience at Kumon Math and Reading, where he worked for 15 years. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Anthony Sanville Jr. is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 credentials with one year of industry experience. His prior work background includes positions at Claremont Savings Bank and various roles in education. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and models to support its advisory services while offering a broad range of investment products and institutional solutions.

Eric Heymann is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and with 28 years of industry experience. His prior roles include nearly a decade at Truist Investment Services and its predecessor firm. He also provides educational training on various forms of technology through contracted work with Knowmadics. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 advisors.

Todd Osgood is a financial advisor with Ameriprise in Tampa, FL, holding a Series 66 designation and 30 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves on the Board of Directors for Leadership Tampa Bay. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, delivered in partnership with financial advisors.

Rhonda Mcguire is a financial advisor with Morgan Stanley in Tampa, FL, holding Series 63 and Series 65 licenses and having 39 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets and Morgan Stanley Dw Inc. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services including estate planning and corporate financial planning agreements.

Rayna Cokley is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers specialized services such as fund advisory and model portfolio delivery.

Joseph Spooner is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Raymond James since 2016 following a tenure at Woodforest National Bank. He is president of Spooner Financial Group, LLC, which handles business operations and accounting. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and investment consulting, utilizing various analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Zeyad El Shami is a financial advisor at Morgan Stanley in Tampa, FL, holding Series 63 and Series 66 registrations with one year of industry experience. His prior work includes positions at Sunwater Capital and Aeronautical Systems Inc., as well as a four-year period at The University of Edinburgh. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling in its financial planning process.

Dylan Fayer is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. He has worked with several firms including National Asset Management and National Securities Corp. In addition to his advisory role, he serves as a CPA and financial professional at Generations Tax & Wealth Management and prepares tax returns through DF Wealth Services, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that offers portfolio management, financial planning, and retirement services through a nationwide network of over 10,000 independent advisors. The firm serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts, utilizing a multi-manager platform with varied program options and ongoing client supervision.

Nicholas Lizzio is a financial advisor at Morgan Stanley in Tampa, FL, holding a Series 66 designation with five years of industry experience. His career includes roles at Morgan Stanley Smith Barney LLC and E*Trade Securities LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and various investment strategies in its advisory services.

Mark Walker is a financial advisor with Primerica Advisors in Tampa, FL, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked with Primerica Financial Services since 1996 and Primerica Advisors since 2014. Outside of advisory work, he manages Walker Insurance and Financial Services, LLC, a business formed for Primerica purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors using model-based strategies developed by third-party managers and supported by custodial and trade execution services.

David Cruz is a CFP® and Series 66-registered financial advisor with eight years of industry experience. He currently works at Vanguard Advisers and has held prior roles at firms including Charles Schwab, TD Ameritrade, and J.W. Cole Advisors. He also operates Cruz Capital LLC, an independent business he has maintained since 2021. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, supported by a large advisory team and a digital delivery model.

Brandon Barile is a CFP® with 29 years of industry experience, currently affiliated with Cetera in Tampa, FL. He has held roles at International Assets Investment Management LLC and related firms for over a decade. Outside of his advisory work, he is the owner and administrator of the LinkedIn group Get Connected in Tampa Bay and serves as chapter president of Network Professionals Inc., a local business networking group. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, including access to third-party money managers and bespoke investment strategies.

Gustavo Delgado Alicea is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and offering 30 years of industry experience. He has previously worked with firms including Cetera Advisor Networks, Summit Financial Group, J P Turner & Company Capital Management, JESUP & LAMONT Advisors, and LPL Financial. Outside of his advisory role, he is the owner and president of Sellers Financial Services, Inc. Cambridge Investment Research Advisors serves a diverse client base of individual and institutional investors, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of financial professionals and offers access to multiple platforms, proprietary model strategies, and third-party sub-advisors.

Jonathan Espinal Cabrera is a financial advisor at Raymond James Financial with 13 years of industry experience. He previously worked at Primerica Advisors and Tripleseat. His outside business activities include the sale of loan products and home-related services through affiliates of PFS Investments Inc. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work uncommon among large institutional advisors.