Ron Defreitas is a financial advisor with Lincoln Investment in Fort Myers, FL, holding Series 63 and Series 65 licenses and having 16 years of industry experience. He has worked with Horace Mann Investors, Gulf Coast Educators, and United Partners Insurance, among other firms. Outside of his advisory role, he serves as president and CEO of Gulf Coast Educators Insurance LLC and Gateway Insurance, LLC, and is involved in managing real estate holdings. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of investment programs managed through both in-house and third-party strategies employing strategic and tactical approaches.

Melissa Ray is a financial advisor at Lincoln Investment with six years of industry experience. She holds a Series 65 designation and has previously worked at Trifound Advisory, LLC, Trifound Financial LLC, Securities Investment Plus / Robert Dokken, and contributed to the Dokken Report. Ray is also involved with GCE Insurance Solutions and Wealth Management, providing financial advice and services in addition to her role at Lincoln. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a variety of investment programs using both strategic and tactical approaches, managing over $22 billion in advisory assets.

Gregory Diamond is a financial advisor with CWM, LLC based in Fort Myers, FL. He holds the PFS™ designation along with Series 63 and Series 65 licenses and has 24 years of industry experience. He is also the managing member of a CPA firm providing tax planning and preparation services to small businesses and families. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Valerie Gomes is a financial advisor with Transamerica Financial Advisors, holding a Series 65 credential and four years of industry experience. She has worked with Transamerica Financial Advisors since 2022 and has been involved with World Financial Group, Inc. since 2015. Gomes volunteers as secretary for the Tampa Bay Research Institute’s Science Alliance Volunteer Committee, which focuses on immune health research. Transamerica Financial Advisors serves individual investors, retirement plans, trusts, and charitable organizations through advisory and broker-dealer services. The firm offers proprietary and third-party investment programs with discretionary and non-discretionary options, and manages approximately $1.66 billion in discretionary assets.

Barry Gassman is a CFP® with 40 years of industry experience, currently affiliated with SPC. He has worked at Sigma Planning Corporation since 2002 and Sigma Financial Corporation since 1995, and has been with Security Benefit Life since 1985. Outside of his advisory roles, he operates a financial practice under the trade name Gassman Financial, specializing in the sale of all lines of insurance. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisors managing approximately $5.66 billion in assets.

William Franz is a Series 66 licensed financial advisor with 20 years of industry experience. He is currently associated with Park Avenue Securities and Guardian Life Insurance, where he has worked since 2017, and previously worked with Primerica Advisors and Guardian Life Insurance from 2010 to 2017. Outside of his advisory roles, he serves as a board member for the Miramonte Homeowner Association and the Grey Oaks Property Owners Association. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and fee-based advisory services, utilizing proprietary and third-party investment strategies, and provides a range of financial planning and consulting solutions.

Colette Cox is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fifth Third Securities since 2023, with prior roles at Fifth Third Bank NA and Florida Southwestern State College. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a range of clients, including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration with a corporate affiliation to Fifth Third Bank, providing multiple managed-account options and unique platform features such as direct indexing and tax-overlay services.

Gavin Mcdavitt is a financial advisor with Oppenheimer in Fort Myers, FL. He holds a Series 66 designation and has been with Oppenheimer since 2026. Prior to entering the financial industry, he held various positions including roles in information technology and the service sector. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a variety of advisory programs, including discretionary and non-discretionary portfolio management and financial planning. The firm utilizes diverse investment strategies tailored by program and advisor, managing approximately $36.7 billion in assets as of December 31, 2025.

Bart Singleton is a financial advisor with Primerica Advisors, holding a Series 66 designation and 14 years of industry experience. He has worked extensively with Park Avenue Securities and Guardian Life Insurance Company since 2014. Outside of his advisory work, he is involved with Doctors Student Loan Care, assisting individuals with repayment options. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services along with financial planning and retirement-plan consulting. The firm employs a mix of proprietary and third-party investment strategies and supports both discretionary and non-discretionary account management.

Julie Abdo is a financial advisor at William Blair with six years of industry experience. She holds Series 63 and Series 65 credentials. Her prior roles include positions at Stifel and Brighthouse Securities, as well as experience with the Lee County School District and Delaware Golf Club. William Blair’s Private Wealth Management division offers investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm emphasizes active, research-driven strategies across multiple asset classes and provides proprietary models and access to private funds and co-investment opportunities.

Martha Wilson is a financial advisor at OSAIC Institutions, Inc. in Fort Myers, FL, holding a Series 65 designation with eight years of industry experience. Her work history includes roles at FineMark National Bank & Trust, Evolution Wealth Management Inc., UBS Financial Services, and JPMorgan Securities LLC. She has also been involved with Lee County Human & Veteran Services. OSAIC Institutions serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans. The firm offers a range of advisory and brokerage services through customized engagements, utilizing both fundamental and technical analysis, and features a notable emphasis on non-discretionary assets.

Jon Skaff is a financial advisor at Truist Advisory Services with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Truist Advisory Services since 2016 and Truist Investment Services since 2006. Outside of his advisory role, Skaff owns and manages a rental property business. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and AI-enabled tools for manager selection and oversight.

Michael Wilhelm is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been associated with Cetera and its related entities since 2019 and operates Michael A. Wilhelm Investments, Inc. since 2008. Outside of his advisory role, he serves on the finance committee of St. Columbkille Catholic Church, assisting with budgeting and fundraising. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary services and access to various third-party money managers.

Bruno Gonzalez is an advisor at Fidelity with Series 66 and Series 63 licenses and has one year of industry experience. His prior work includes roles at Beeline and the United States Marine Corps. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios composed of mutual funds, ETFs, and ETPs, and serves as an advisor to multiple registered investment companies.

Elizabeth Scoggins is a financial advisor at Stifel with eight years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Next Level Church. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Dawn Salerno is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 16 years before joining Wells Fargo Advisors in 2022. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options including retirement, education, risk management, and specialized services such as business-owner transition and special-needs analysis. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with implementation options through the firm’s brokerage or advisory programs.

Jennifer Monty is a financial advisor with Raymond James & Associates in Fort Myers, FL, holding Series 66 and Series 63 designations and seven years of industry experience. Her prior work includes roles at DDPC and running The Monty Agency, where she worked as an independent contractor proofreading and editing legal transcripts. Outside of advising, she has experience in proofreading legal documents through The Monty Agency. 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 public entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by extensive research, model portfolios, and municipal advisory capabilities.

Susan Watts is a financial advisor at UBS Financial Services with 39 years of industry experience. She has been with UBS since 1985. Outside of her financial career, she has written a fictional book along with a prequel and two sequels and is seeking publication for these works. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, providing a broad range of financial services.

Michael Morin is a financial advisor at Charles Schwab in Fort Myers, FL, holding a Series 66 credential with four years of industry experience. His prior positions include roles at Merrill Lynch, Bank of America, and TigerDirect. Outside of financial services, he is the sole owner and manager of an LLC involved in a rental investment property. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering integrated brokerage, advisory, and custody services. The firm provides a combination of non-discretionary investment guidance and access to discretionary separately managed accounts using multi-asset model portfolios and research-backed alternative investments.

Michael Stone is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several related firms, including First Allied Advisory Services and Cetera, over the past decade. Outside of his advisory role, he is a partner at Freedom Tax and Financial, providing tax preparation and consulting services, and he coaches at Iron Mikes High Performance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, 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 managers, supporting a wide range of program structures and investment strategies.