Catherine Stone is a CFP® with 29 years of experience in the financial industry. She has been with Ameriprise since 2005, currently serving as an advisor at the firm. Outside of her advisory role, she serves on the Board of Directors for the Saint Augustine Film Society Inc. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team in partnership with clients’ advisors.

Paul Carter is a CFP® professional with 10 years of experience in the financial services industry. He is currently with Cetera and has held prior positions at First Allied Securities Inc., Richard Worrell, LLC, Northwestern Mutual Investment Services LLC, and BBT Investments. Cetera Investment Advisers LLC is an SEC-registered firm serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through multiple program structures and affiliations, managing over $256 billion in assets.

Gabriel Niles is a financial advisor with Fisher Investments, holding a Series 66 designation and 15 years of industry experience. He has worked at Fisher Investments since 2014 and previously held positions at Morgan Stanley, Wells Fargo Clearing, and Edward Jones. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm centralizes investment decisions through an Investment Policy Committee that uses both quantitative and qualitative research to construct globally diversified portfolios and employs tax-aware processes and risk management tactics.

Cory Binsfield is a financial advisor at Osaic Wealth, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors and Securities America Inc. for 15 years. Outside of advising, he owns Binsfield Capital Management, a holding and marketing company affiliated with his Osaic role, and provides consulting on real estate management and related activities. Osaic Wealth, Inc. serves a diverse range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charities. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Susan Dampier is a financial advisor with Raymond James & Associates in Saint Augustine, FL, holding Series 63, 65, and 66 licenses and 21 years of industry experience. Her prior roles include positions at BB&T Securities and self-employment, alongside her current work at Raymond James starting in 2020. Outside of advising, she owns Inspired Life and Health LLC, a health and wellness education and referral marketing business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and consulting services supported by a range of portfolio management strategies and affiliated research resources.

Mathew Stone is a financial advisor with Edward Jones in St. Augustine, FL, holding Series 63 and Series 66 designations and possessing 23 years of industry experience. He previously worked at Fidelity Brokerage Services LLC from 2006 to 2017 and has been with Edward Jones since 2019. 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, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

Michael Absher is a financial advisor with Cetera, holding the Chartered Financial Consultant (ChFC®) designation and Series 63 and 65 licenses, and has 33 years of industry experience. He has previously worked at Pruco Securities, LLC for 30 years and has held leadership roles including CEO and President of Convergent Financial Partners, LLC. Outside of his advisory work, he serves as treasurer for Unpackin It, a non-profit Christian sports ministry. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, operating with more than 10,000 advisors and over $256 billion in assets under management.

Cheryl Imperato is a financial advisor at Fidelity with five years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2021. Prior to joining Fidelity, she held roles with IBCCES and CE Broker. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including delegated sub-advisers and model portfolios built from mutual funds, ETFs, and ETPs.

Jillian Fisher is a financial advisor at Edward Jones in St. Augustine, FL, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining Edward Jones, she owned and operated Reep Lawncare & Landscaping, LLC for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Justin Dolan is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 66 designation and previously worked at J.W. Cole Advisors, J.W. Cole Financial, LPL Financial, and Cetera Advisors. Dolan serves on several nonprofit and community boards, including Home Again Saint Johns County, YMCA, and Wildflower Healthcare St. Johns County, and participates in advisory roles at Flagler College and EPIC. Charles Schwab serves 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized operations, and a formalized alternative-investment process.

Bonnie Faherty is a financial advisor at LPL Financial with 29 years of industry experience. She holds Series 63 and Series 65 designations and has been with LPL Financial since 2010. Faherty also has involvement with the Dawn Chambers Agency Inc, focusing on fixed insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Robert Winsor Jr. is a CFP® professional with five years of industry experience, currently affiliated with Mass Mutual Investors Services. His prior experience includes roles at Guardian Life Insurance Company, Park Avenue Securities, and Bloomberg LP. He is a partner and owner of RHEI Private Client Group, LLC, an entity used for pass-through compensation. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, annual planning engagements using firm-approved analytical tools.

Robin Yates is a financial advisor with LPL Financial in St. Johns, Florida. He holds a Series 66 designation and has 24 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Sagepoint Financial, Inc. from 2016 to 2019. Outside of his advisory role, Yates is a group fitness instructor at Baileys Gym in Jacksonville, Florida. 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 advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and research from LPL Research and others.

Joseph Budd is a financial advisor with OSAIC in St. Johns, FL, holding Series 63 and Series 66 credentials and over 33 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Budd is involved in several insurance-related businesses specializing in life, health, annuity products, and premium financing. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios suited to clients' risk tolerance and preferences.

Clinton Dosio is a CFP® with 15 years of industry experience, currently advising at LPL Financial since 2019. He previously worked at USAA Financial Planning Services and USAA Financial Advisors, Inc., and has been involved in entrepreneurial ventures including Dosio Innovations and Deeply Rooted Grounds. Outside of his advisory role, he owns and instructs at Renaissance of Jiu Jitsu LLC and serves as a worship leader at Crosswater Community Church. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and advanced technologies.

Philip Rogero is a financial advisor with MassMutual Investors Services in St. Augustine, FL, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has been with MML Investors Services since 2012 and MassMutual Life Insurance Company since 2011. Outside of his advisory role, he is involved in insurance sales and service through Rogero Wealth, LLC. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing analytical tools such as Monte Carlo simulations and automated asset-allocation software in collaborative, annual planning engagements.

Renata Hernandez is a financial advisor with Morgan Stanley in St. Augustine, FL, holding Series 63 and Series 66 credentials and totaling 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and employer-sponsored financial planning arrangements.